Having this happen to me...totaled the car, where the ex was at
fault..anyway, one thing to remember is that you were in an accident
and aside from the car, you may have suffer some harm. Hopefully not,
but the insurance company will want to sign a waiver someplace along
the line....do not do this until you have the property settled. We
all know that bodily injuries cost the insurance companies much more.

Use this a bargaining chip in you talks.

John


On Mon, 10 Jan 2005 19:26:19 -0600, "DebbieG"
wrote:

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