"DebbieG" wrote in message
...
My husband wrecked our 1995 Ford Explorer Sport last night on the ice. He
rolled it and more than likely it will be totaled. We'll know in a few
days. Fortunately, he walked away from it although he kinda looks like a
prize fighter today due to the air bag.

We have never had a vehicle that has been totaled and I wondered, since I
never trust insurance companies, how much were not going to get. We are not
going to replace it since it was a 3rd vehicle (the oldest of the 3).

Does anyone know what insurance companies use to come up with the value of
the vehicle? I've gone to Edmunds, NADA, and Kelly Blue Book websites and
they all stated different amounts.

We bought the vehicle new and it has been insured with the same insurance
the entire time so they know it has never been in a wreck (we've never had a
claim on it). It WAS in very good shape and had almost 170,000 miles on it
and we planned on it giving us a few more good years. I know that will be
considered high mileage but that's not bad for a 10-year-old vehicle. It
looks bad now so how would adjusters know what kind of shape it was in
before it was wrecked?

Also, if they come up with an amount that we don't like, do we have any
options?

Is there anything else we need to think about that I haven't mentioned?

I just want to make sure we handle this correctly at the right time.

Thanks for any help/suggestions,
Debbie


This is Turtle.

I called a friend of mine who does body work for All State and state Farm and
give him the info to run on his computor program that the insurance company
uses. If he programs in the 170,000 miles it will come back at about $4,565.00+
.. If he does not put in the 170k miles like most does , it should come back at
about $4,850.00++ . Now you still have to concider sales tax , new licence
plates, inspection, and make ready [ plugs, wires, grease, oil change, and
computor check up ] on a replacement truck.

Now when it comes to it being in good shape or not. Well when the subject comes
up. You say it was in mint condition and people from far and wide would drive to
come see it because of it being such a good mint condition. I have people on the
street stop me to ask me how i was able to keep that truck in such good mint
condition. It was so good of shape i was thinking about putting it in a car show
next month. Don't accept nothing but MINT CONDITION WROTE ON IT.

Now I would be wanting $5,000.00 + + if it was me. I would have $5K+ on the
brain.

TURTLE