[Shotimes] car possibly 'totaled': how to handle insurance co.?

[Ian Fisher]

ROTFLMAO

Ian

--- "James F. Ryan III" <av8r567@optonline.net> wrote:


> 
> Why did you try to locate the deer?  He (how did you
> know it was a he?)
> obviously ran because he didn't have any insurance.
> 
> 
> 
> 
> 
> ----- Original Message ----- 
> From: "Jim Koper" <jkoper@frankgates.com>
> To: <shotimes@autox.team.net>
> Sent: Wednesday, August 18, 2004 4:42 PM
> Subject: [Shotimes] car possibly 'totaled': how to
> handle insurance co.?
> 
> 
> > Hello all,
> >
> > Well, a deer decided to run into my brother's
> Taurus GL ('93 with 132,000
> > miles). He was not hurt. As for the deer, we tried
> to locate him 7 hours
> > later, but to no avail. Hood, right quarter panel,
> headlamp assembly and
> > grille/bumper valance are not repairable.
> Curiously, the bumper cover
> itself
> > seems OK. Suspension seems OK. Structurally, the
> radiator and related
> > substructure have been shifted about 1 inch to the
> driver's side but
> jammed
> > back towards (but not into) the engine--hopefully
> that can be straightened
> > out again. The car appears to just need a new
> radiator to technically (but
> > not legally) run, though it won't fit right until
> the compartment is
> > straightened. Estimator won't be out until Tuesday
> 08/24/04. I figure
> about
> > $2-3K worth of damage, parts and labor.
> >
> > My questions:
> >
> > **The insurance company has alluded to the
> possibility that this damage
> "may
> > not be covered because the car is too old/has too
> many miles."  WTF?   He
> > HAS collision and comprehensive ($500 deductible
> each), so what are they
> > talking about--some loophole or exclusion?
> >
> > **IF the company does cover the damage and
> 'totals' it, what it the best
> way
> > to handle it? I've heard bits and pieces over the
> years on this site, but
> > I'd rather have current info. Does he let the
> insurance co. total it, or
> > does he get a salvage title and buy it back or
> what? What is the best
> > strategy? He figures on getting the car fixed the
> car and keeping it.
> >
> > **Insurance co. said he could have it repaired
> only at "approved"
> facilities
> > of which two exist in Columbus OH!  Are the old
> days (of choosing the best
> > of three estimates) over?
> >
> > Can he insist on OEM parts and not cheap Korean
> knockoffs? We've all heard
> > the bad stories about them.
> >
> > If anyone has had experience in this matter, I'd
> like to hear about it.
> > Thanks!
> >
> > Jim Koper
> > '92 SHO  142,000 miles
> > _______________________________________________
> > Shotimes mailing list
> > Shotimes@autox.team.net
> > http://www.team.net/mailman/listinfo/shotimes
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> 



		
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