Dealing with insurance companies when the vehicle is the sum of the

My daughter her 2002 GMC Envoy recently collapsed Imperial, left door damage, the front left quarter panel, front bumper. I thought the damage would be consistency that can be repaired (which), but the insurance company decided to roll the car rather than repair it. As you can see in the picture, the car does not look totaled. Evaluation for repairs came about around $ 6000. The truck is about $9,500, so why does the insurance company select summarize it instead of repairing the damage? You can answer this question and give you some tips if you find yourself working car claims Department see sum.

Why are they total a car if it's cheaper to repair it? Insurance companies always choose the route that will cost the company the amount of money at least. If a car repairs to 65% or more of the total value, often times cheaper in total car rather than repair it. This is because the salvage value of the car. After the insurance company pays you for loss of car, they turn around and sell it to him to save the value, recouping some of the amount they pay you. When you subtract from the amount paid, the salvage value is often times cheaper than actually repairing the vehicle. For example, if the salvage value of the Imperial bshgrir my daughter $3,500, the cost of insurance is back to $6,000. Then add other factors such as storage costs of a car before and after repair, car repair costs rental snapped while finding and further damage to a car once, you can see how they save money by actually in a car rather than repair it.

Tips for dealing with a car totaled: if you find yourself in the unfortunate situation of totaled car, there are some things to remember that will help you get the most accurate payment from your insurance. Chances are they are not like the proposal you made the first car, so your task is to help the insurance company to give you the correct amount. Here are a few:

You are this:remember that your business can claim with a person, wants to treat as such. Many people forget it claims is on your side, they really want to be fair with you. It is not against you, not the insurance company claims you can look for outline. Grace, common courtesy to a long way! Your claim representative seems to be dealing with a hundred claims or in addition. They have a lot of work to do, we probably have a lot of people yelling at them. A tense, they really appreciate dealing with customers who show little patience and understanding.
Htamilim:these days, the insurance companies will look at the value of the vehicle. In fact, the book is one of the lesser considerations when determining what the vehicle is worth. Claims adjusters shopping online for a car just like yours to see what you can buy it today. Make yourself a log of all cars for sale within 75 miles of the corresponding vehicle. Check on eBay, Craigslist, Autotrader, Kelly Blue and the different classifications. Keep track of which came all the car, price, distance of the vehicle, the model (if different than yours), all differences that would make the car more or less equivalent. This sounds like a lot of work, but it will take you more than an hour, at the time probably put a little more money in your Pocket! When I did research 2002 GMC Envoy of "s to replace my daughter 's, I found 11 75 kilometer radius.
Make sure that the user can correct information:there's a lot of work to do, claim representatives, they might forget to add features that your vehicle, or they may select the wrong model. They didn't do it on purpose, but they are fast and they don't sell the car as you like. Make sure that they have everything they might be overlooked, such as the sun roof, 6 disk changer, power seats, etc. My vmantbim a claim raised the wrong model of the original scheme, Envoy for my paid work for less than $2000.
Don't forget the Extras:if you recently replaced the tires, oil change or tune it or do other work-car service, make sure your claims representative, take it into account. This is true in any add-ins that you have added the car as after market stereo systems or Institute (some insurance companies require your add-ins add-in order to check the agent details ... your policies).
Allowed to negotiate: the first proposal that they bring you might not make sense, but there's no reason you have to accept it immediately. It claims break the offer, give you a detailed explanation of how they hrchibo the amount your vehicle. If it doesn't sound right (or fair), let them know you want to take a day and research things. Let them know you appreciate their work, but things sound a little low. You are not required to accept the proposal they have, but remember, if you cannot reach an agreement that will let you go bridge.
You can still keep your car:if you decide that the damage that the car be sum only cosmetic, you want to leave the car (or even if it doesn't and cosmetic but you want to leave the car and repair the damage yourself) the insurance company will allow it. There were a lot of hail storms here in Colorado recently that car pitted, but otherwise left bmoshlm driving condition. If you don't mind things Bard, let your insurance company know that you would want to leave the car. They match you with their proposal by subtracting out the salvage value (the money they will get for selling the car to a salvage yard), pay you the rest. Remember, you will not be allowed to have comprehensive and collision because there was already a receipt amount, but you can still save it insured and this drive for as long as you want!

It's never fun with an insurance claim, but it does not have to be a bad experience one. Remember the positive results, hopefully nobody injured accident (the most important), you have to work in an insurance company to help you return to where they were before the accident. Yes, there will be some pocket expenses, such as your deductible, but it's much better than if you had no insurance. Keep a good attitude, you will be back on the road.