I read in a forum somewhere I cant find now...
lady totaled car and insurance offered blue book and she wanted replacement
& insurer told her to find exact yr and similar miles,,, only then would
the insurance co wrote her a check for a replacement. She found one -
Difference in price was extreme. I forget but blue book was say $5k and
only thing she could find was say $8k. She stood her ground for her
required replacement then just pocketed the bucks, like you, she didn't
need it anyhow.

"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