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kelly blue book the value of the car and see what condition the 14k is offering you. if its not what you think it was in prior to the accident ask for that amount. you may have to call the person that hit you insurance company and argue for it, but that how youll get the money. i doubt your insurance company really cares. you could ask them to fight for you as well, but it would probably less time consuming if you just called.
I'm not seeing where the OP says that he was hit by someone.
I'm not seeing where the OP says that he was hit by someone.
yup, just reread his post, thanks. it was vague he just said, "hit my front panel...." ill assume he means he hit something on his own even though he never says what it was or at what speed.
You run the very high risk of never having the car be "right" again.
$14K is good money to buy something else that hasn't been salvaged and you can feel safe with.
I would total the car and take the settlement. However, you can compile a list of comparable vehicle prices in your area for the same mileage/age, to see if you can get the adjuster to look at the local value. For a vehicle that is asking about $16k, there should be some negotiating room in that price, so the $14k offer may not be too far off. If everything is higher, just request that the settlement amount be reassessed based upon the ads that you have found within a 50 mile radius of your residence. The worst that can happen is the insurance company refuses to adjust the price, though you may get another few hundred or a thousand in settlement if you can show that comparable vehicles command a higher price in your area.
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All the world's a stage, and all the men and women merely players: they have their exits and their entrances; and one man in his time plays many parts, his acts being seven ages.
~William Shakespeare (As You Like It Act II, Scene VII)
One more thing: if you have brand new Michelins or something else salvageable on the car, ask your adjuster if you can switch out parts. They'll lower your pay out, but not by much.
OP you didn't mention what mileage or model Accord it was so I'm basing this on you haivng 60,000 miles and the basic sedan in which KBB lists a private party sale as $11,500 for excellent cond. You say the insurance will give you $14,000 so I'm presuming you have an upgrade model.
Again take the money and run.
Sorry, the car is an EX-L model, 6 cylinder with leather and the moonroof. Car has between 70-75k miles on it.
^^^Based on that, KBB says your vehicle is worth appx $14,573 in excellent condition as a private party sale, much less as a dealer trade-in.
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