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Discussion Starter #1
I recently posted about my stang getting rear ended by a Navigator the other day. I got an estimate from an "old car" specialist for about 1450.00. I started thinking, "maybe I can do it all myself." So I opened my trunk to look at all of the pieces involved so I could price them from NPD. I pulled up my sound deadener mat from the trunk floor and I saw a bunch of seam sealer all cracked around the joint between the tail panel and the bracket connecting the tail panel to the floor. I looked around it a little more and saw that the floor has buckled so I'm sure that more got damaged than the repair guy saw. I'm beginning to think that I need to find a different person. The part that really upsets me, though, is that I don't know how much further the other insurance company will pay before they decide to total it. I keep hearing of stories where insurance companies low ball the value of these old cars and then you can't even afford to buy a new (old) one with the proceeds. I'm not saying mine was perfect, but it's not all beat up and ugly. Here's a pic of it today. Anyone have any experience with a seemingly small amount of damage totalling their car?
http://webpages.charter.net/dannyo/wrecked.jpg
 

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I have a lot of experience in this department. I used to teach lawyers about auto tort law. PM me and I'll help you out.
 

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I used the "cars of Particular Interest" price guide to get my $ for fixing my 72 T-bird years ago. The people at the guys ins co were giving me the 'ol "old car, not worth anything" song and dance til I faxed them a printout from the CPI website. Had a check a week later.....
 

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Send a private message to JohnPro - his kids have "totaled" a couple classic mustangs. At least of those he bought back from the insurance company. To avoid hassling with the insu. co. in the future, get your car appraised and then insure it under a "stated value" policy. State Farm will do that. I have my 70 insured for 20K through state farm. I've had no hassle getting coverage for a few front end repairs, once the car was restored. Before it was restored, they darn near totaled over a 2100.00 claim.
 

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Discussion Starter #5
I have State Farm and I do have a stated value policy, but it's at the same value I had it set at when I bought the car, which was the highest they'd let me do without an appraisal. Since then I have replaced many things to make it right, but I still had a few things to do to it before I got an appraisal and changed the policy to a higher amount. I'll see what the lady's ins co tries to do first. Thankfully, I've only put about $23-24 hundred dollars into it to date.
 

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Even if they total it out, you can buy it back for almost nothing.

I would not settle until you are happy- get a few more estimates and go over the damage with the estimator.

Good luck....
 

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Actualy, only one of my kids totalled a classic stang, but my daughter did get in a nasty wreck in her '69 with a big rig.

My son's '65, was valued by my insurance company at $7500, and the damage exceeded that. It would have needed new quarter panel, new trunk drop off, new tail panel, new rear frame rails, new rear floor pans (both pan and sheet metal below the rear seat). This car was definately totalled, so I bought the car back for $500, and after my $500 deductible, they cut me a check for $6500. I kept the engine and parted out the rest of the car, making another $3500. No way could we have gotten $10k for the car, so we made out like bandits.

My daughter's car, they paid me $2500 in damages after my $500 deductible (daughter got a raw deal when the truck driver lied to the cops about the accident, and they deemed it my daughter's fault since I was the only eye witness and my testimony doesn't count since I'm not an "independent witness"). So they weren't even close to totalling it at $3k worth of damage.

HTH.
 

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Keep the hope up man!! ::

Listen to oldrustyrelics, and pm him. I was in a NASTY accident in my 66 coupe earlier this year, and through the magic of search here on the VMF, I found a lot of good info and advise by this very informed Mr. I made my own posting and following a lot of good advise, I stuck to my guns. My car is "just a plain 'ol C-code" coupe, but it was MY coupe. Insurance co. valued my car at $9000 :): :: :: :p); total of the damage came out to $5500 - I only paid $3000 for the car, had done no modifications to it. One body shop wouldn't even touch it because they were ABSOLUTELY CERTAIN that the ins. company would total it; wouldn't even bother to give it more than 1 minute look-over ::

In short, play hard, get quotes, mention lawyer if you have too (I know I had to), and you might be surprised what happens.

Jorge ;) who's rumblin through SoCal in his repaired Sally
 

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well, last weekend someone broke into my 93 cherokee, stole the cd player, kicked the crap out of the door and then set off bottle rockets inside it. the headliner and the rear seat will need to be replaced and the carpet may as well. when i talked to the adjuster on the phone he told me that with that much damage it would probably total. when i took it in for him to inspect it he said it was going to be close, i explained to him i wanted to keep it and didn't want a slavage title either, he said if it looked like it was going to total he would re-writer the estimate so that it wouldn't, he said it might not be enough to get everything fixed but he wouldn't let it total. i got a check for 1300 yesterday and no salvage title so i was happy.
 
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