Possible Totaled Vehicle(Process/Options)

[scott123456789]

Working through a claim where I wasn’t at fault. Progressive wanted to write me a check based on some pictures but I have some structural damage and they said it had to go to a shop to be assessed so I’m dropping it off tomorrow to get looked at.

It’s a 2013 Chevrolet Cruze with 180k miles on it. The trade in value is only $2000 + or -.

There is minor damage to the rear door. The rear fender and the rear bumper. The issue and why I am posting is the rear tire is now leaning and the car is pulling hard to the right.

I figured there wouldn’t be any way anything in the suspension would be cheap to replace so I want to understand before I get a call from progressive with their options etc.


So should shop say the damage is substantial, what would the process look like?

[kae006]

Can't believe a 2013 Cruze with 180k wouldn't have been totaled from the get go with the damage you listed, even if it was minor.

As far as the process goes, assuming you own the vehicle out right they'll cut you a check and then usually cover the rental for another 5 days or so after the check is cut. You can likely push them to extend rental coverage a bit longer considering the current climate of the used vehicle market.

[GARY]

My speculation (only that) is that you might be little low on our valuation. My son had his 2015 dodge journey with 85 miles totaled (took 3 months of the dickering around). Valuation and check was 12K...I felt pretty good about it too.

They cut us check for that amount, less our 500 deductible. I wait on their case against the offending party (not his part) to get my 500 back when case is finalized.

[scott123456789]

Would I be able to expect KBB retail?

As much as I don’t like the car, really wasn’t in the mood to buy in the current used market.

[Cottonfish]

Best thing you can do is to research the value of your vehicle in case they declare it a total loss. Then you will know whether the settlement figure they offer is reasonable or not, and you can counter with the information you developed if that is necessary.

If it's repairable, the shop will submit whatever supplement they come up with, no matter the amount of the initial estimate.

Stu

ETA - KBB or NADA retail, or any of the other vehicle valuation/buying online sites.

[gumbl3]

Insurance using ACV.. actual cash value, they look at what similar vehicles are selling for in the area.. so use craiglist, dealer listing etc to argue your case .. while you don't know what these cars are selling for if you find a bunch of listings for $5k and they're offering $2k they are probably missing the part. Especially when there's not alot of volume like your case where it's a much older car

[Txhunter3000]

I'm thinking it's totaled. 80% of ACV = totaled

[scott123456789]

Facebook market place is showing ~$5000 for replacement cost. I guess it’s possible to only have $4000 in damage based on the 80% rule.

[Txhunter3000]

My SIL ran off the road in a down pour in his 2009 gmc 1/2 ton, 99k miles. 2 dents in hood,super small dent in right front quarter, scrapes on right rear quarter and new bumper plus windshield. $8100. Nothing to keep it from driving. Bodywork and paint is really up from a few years ago.