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You've decided? How did you come to that decision? What did your ins company have to say about that? IF it is totaled, you will sign the title, and fedex/ups it to your insurance company
The car is obviously totalled since the frame, two doors, the area near the engine and the rear bumper are all smashed. The car is stuck in drive gear also. Plus the car is ten years old.
The car is obviously totalled since the frame, two doors, the area near the engine and the rear bumper are all smashed. The car is stuck in drive gear also. Plus the car is ten years old.
Which means nothing until the adjuster sees it. You may very well be correct but it's not your call.
If, in fact, it is totalled you will need to get your title and lien release (if any) to your insurance company. The two cars of mine which were totalled I just took the documents to my local agent.
If it is totalled, be sure to sign and send in the release of liability. In our state it's a brief form attached to the title and costs about $5. It's filed with the DMV and is separate from signing off the title/ownership. It protects you as once you sign the car away, you can never be sure what happens to it (someone COULD still put it back on the road) and you'd not want to be connected to the title in any way going forward.
I was just in an accident and most of the left side of my car was damaged, and the ignition key could not be turned or removed. I was uninjured. It's possible that the accident was my fault. The area around the engine looked undamaged. No glass was broken but the left front door no longer fits into the car.
Is there a police report? Does it indicate you were at fault? Were you issued a citation for something like failing to yield the right of way, running a stop sign, or going through a red light? If so, you are almost certainly at fault. If not, I'd want to know more about it.
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I was driving through an intersection and somebody hit me at a right angle. Their car had less damage than mine but had to be towed also. I failed to get their name/info because they left.
Did they just take off without speaking to you? What's the story here?
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If the car can be repaired, will my insurance company pay for all / most of the repair costs?
If the cost of the repair is less than the total loss value of your vehicle they will pay to repair the car. (If you have collision coverage)
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What percentage of the repair costs will they usually pay?
If you have collision coverage, you will be paid 100% minus your deductible.
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If the car is totalled, and I buy a new car, will my insurance pay for the new car at all?
If you have collision coverage, you will be paid the total loss value of your car minus the deductible. You can use this money to purchase a new vehicle.
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I called my insurance agent and he said that an adjuster will go to the tow place to look at my car and then call me. If it can be repaired I guess I will have to pay the two place to take the car to the dealer. How much does the tow place usually charge?
Very often you are not charged for this. If you are, charges should be reasonable, unless the tow distance is unusually long.
If it is totalled, be sure to sign and send in the release of liability. In our state it's a brief form attached to the title and costs about $5. It's filed with the DMV and is separate from signing off the title/ownership. It protects you as once you sign the car away, you can never be sure what happens to it (someone COULD still put it back on the road) and you'd not want to be connected to the title in any way going forward.
I sign the title itself and send it to the insurance company, is that right?
I'll confirm this also with the insurance company itself, of course.
I know I send the Release of Liability to the state DMV.
My main confusion is, will the insurance company give me a certain amount regardless of whether I repair it or buy a totally new car.
The amount of money they pay out is determined by the amount of damage to the car, not by what you intend to do with the payout money. What you do with it is up to you. That said, if you have a loan on the car, the check is made out to you and the lienholder, and if you intend to buy a new car when the current one is repairable, you'll need to buy out the remaining portion of the loan.
Ok you don't get to decide if the vehicle is totaled. Your insurance company does. This is when you need to pull out your outline of coverage and determine what you have.
How did you not get the name and number of that person? IF they got a tow they obviously didn't hit and run since tow trucks don't appear out of nowhere...
How is it possibly your fault? Did you run a light or stop sign? Who was more in the intersection?
You need to visit Kelly Blue Book and estimate the cost (in FAIR condition) of your vehicle
You MAY need to pay your deductible since you don't have any info on the other driver (thus your insurance company couldn't go after them...)
The insurance place told me to tow the car to a "preferred body shop" so I did, on Friday afternoon.
Yesterday (Monday) the adjuster called and asked me details about the accident, and she's waiting for someone to send photos of the car from the body shop. I don't know if someone from the insurance is going to physically look at the car.
If you had the same experience, how long did it take them?
depends on the work load of the shop, but its usually 2-3 business days, not counting the day it go there. Shop should look at it by wednesday, send the info to the insurance company by thursday, and they should call you by friday. Assuming no problems or delays.
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