On Thursday, June 19, 2014 10:07:16 PM UTC-4, BobMCT wrote:
On Wed, 18 Jun 2014 10:44:50 +0000 (UTC), DerbyDad03

wrote:



Situation: 10 YO vehicle, 160k miles, excellent condition, inside and out.

Hood, windshield, fender, etc. is crushed by fallen tree during a storm.

Vehicle has comprehensive coverage. Ins Co has not seen the vehicle yet,

but based on the age and damage, the owner assumes his Ins Co will say the

vehicle is totaled.



Are there any special strategies for dealing with the Ins Co? Obviously the

settlement won't be enough for a new vehicle, but can a higher settlement

be negotiated based on the previous good condition of vehicle? Anything

specific to say (or not to say) to the adjuster?



I did not read all the other replies yet so some may have covered

this. This past April I was sitting at a traffic light and a lady

texting on her phone rear ended my 14yo PT Cruiser w/102K miles, never

in an accident and meticulously maintained. Her insurance company

would only total it because CT has a law that states the insurance

company only has to pay 75% of average fair market value.

Must be great living in a state with laws like that.
Do they have one that says you only have to pay 75%
of the premium?