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

get a lawyer
it was a Ford Explorer, so it was the motor company, firestone tires,
and
.....as well as your husband's fault for driving wreckless
sue all of them

"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

My insurance company would give you squat for a 10 year old 170k vehicle.
My insurance company considers low mileage below 5k a year.
Ask the agent what the process is and have him explain every step to your
satisfaction.
Be polite but insistent.

Squeaky wheel, WILL get greased.

As for the value take a average of low book and that is the ball park your
looking at.

"DebbieG" wrote:


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.

They use whatever they use. Which is to say, they will use which ever
book they have been using for years.

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?

The insurance adjuster will ask you. At least that is what happened in
my case, when my car was torched.

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

Depends on what is in your policy, and if it has any provisions for an
appeal.

"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.

snip
The wife and I had ours totaled on 12/31 by a girl that ran a red
light. Ours was a 1993 Explorer with just 120,000 miles. I will also
be interested. There are some pictures of ours at
http://members.cox.net/jrusling/accident/index.html.

--
Jim Rusling
Partially Retired
Mustang, OK
http://www.rusling.org

Jim,

Wow! I hope no one hurt too badly. What a way to end 2004.

You haven't been given an estimate after 10 days?

Thanks for sharing,
Debbie

"Jim Rusling" wrote in message
news:mFGEd.20773$Wo.16123@lakeread08...
| "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.
|
| snip
| The wife and I had ours totaled on 12/31 by a girl that ran a red
| light. Ours was a 1993 Explorer with just 120,000 miles. I will also
| be interested. There are some pictures of ours at
| http://members.cox.net/jrusling/accident/index.html.
|
| --
| Jim Rusling
| Partially Retired
| Mustang, OK
| http://www.rusling.org

"DebbieG" wrote:

Jim,

Wow! I hope no one hurt too badly. What a way to end 2004.

You haven't been given an estimate after 10 days?

Thanks for sharing,
Debbie

The wife and I both walked away. The fire and rescue people could not
believe it. We are both a little sore, but getting better. The
insurance company did not take possession of the car until last
Thursday. The holiday weekend slowed things up. I should be getting
an offer sometime this week. It was a 95 T-bird that hit us and threw
the Explorer into the air and on the roof. I was very pleased with
the outcome all things considering.

--
Jim Rusling
Partially Retired
Mustang, OK
http://www.rusling.org

"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

We are not
going to replace it since it was a 3rd vehicle (the oldest of the 3).

What does your policy say about paying up when you are not going to replace
the vehicle? I suspect that might make a difference in the settlement
amount.

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

"Tom" wrote in message
news:OHHEd.4434$u47.1018@trnddc09...
We are not
going to replace it since it was a 3rd vehicle (the oldest of the 3).

What does your policy say about paying up when you are not going to replace
the vehicle? I suspect that might make a difference in the settlement
amount.


This is Turtle.

You have me on this one. What would the reason you was going to do with the
replacement truck or if you was going sell it after they pay you for it or fix
it. I have never hear of any section on a insurance policy as to what you was
going to do with a auto after you have been reinbursted for it and would make
any difference in the price you would receive for it.

You should explain this one to me for I'm all ears here.

TURTLE

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



Hi,
Glad he is OK, that's no. 1 important.
Don't expect too much.
Can't just win against big insurance company.
If you want fight, they'll wear you out. Hope you have more than one
vehicle in the family.
Good luck,
Tony

Most insurers use an industry database that tracks all sorts of
variables on used vehicle sales -- they'll adjust the value based on
mileage, mechanical and cosmetic condition, option package, etc.
They'll get back a report ten pages long with details of your car and
the comparables. Go over that report carefully and pick out any errors,
it can make a big difference.

The last time I had a vehicle totalled, the other driver's insurance
company got back a CCC report that put the value of my van under $3000,
and they wouldn't budge. I put in a claim on my own policy instead, and
the exact same vendor, CCC, returned a value over $5000. Accuracy
matters.


--
is Joshua Putnam
http://www.phred.org/~josh/
Updated Infrared Photography Books List:
http://www.phred.org/~josh/photo/irbooks.html

In article ,
says...

You have me on this one. What would the reason you was going to do with the
replacement truck or if you was going sell it after they pay you for it or fix
it. I have never hear of any section on a insurance policy as to what you was
going to do with a auto after you have been reinbursted for it and would make
any difference in the price you would receive for it.

It won't matter for most car insurance policies, they're generally
settled at Actual Cash Value.

Other forms of insurance, e.g. homeowners insurance, often pays
replacement cost if an item is replaced. e.g. if your 50-year-old house
burns down, Replacement Cost coverage would pay to rebuild the house.
But if you don't rebuild, your cash payment is limited to the
depreciated Actual Cash Value of the house that burned. (The insurance
company doesn't want you burning down the house for the cash, after
all.)

--
is Joshua Putnam
http://www.phred.org/~josh/
Updated Infrared Photography Gallery:
http://www.phred.org/~josh/photo/ir.html

Tom,

I don't know of any wording in an insurance policy for a vehicle about
replacing it if it is paid for. If it's in there it will surprise me.

A few years ago, I had put a car in a ditch. Since it was paid for they
just gave me a check after the estimate was written. They never made sure I
spent the money on the car for repairs. I think they do that only if there
is a lien on the car.

Debbie


"Tom" wrote in message
news:OHHEd.4434$u47.1018@trnddc09...
| We are not
| going to replace it since it was a 3rd vehicle (the oldest of the 3).
|
| What does your policy say about paying up when you are not going to
replace
| the vehicle? I suspect that might make a difference in the settlement
| amount.
|
|

Turtle,

Thanks to you and your friend for taking the time to look that up.

It WAS in very good condition -- the red paint still looked good after 10
years -- in fact, when it was all cleaned up people were surprised that it
was as old as it was. It didn't spend a lot of time outside of a garage.
We figure if we take good care of our cars, they will take good care of us.

On the other hand, in August 2004, I traded in a 1994 Saturn and it was not
in good condition but then again I bought it in that condition in 1999. At
the time I just wanted an economical car (I was driving the Explorer and it
was not economical. The Saturn was mechanically OK and I didn't care what
it looked like on the outside. In fact, when I handed the car salesman the
Excel spreadsheet for my Saturn that showed every gas tank mileage, new
tires, oil changes, and any repairs since I bought it; he showed it to
several people because he'd never seen anything like it. I have a
spreadsheet for every car we own. Yes, I'm very anal.

Sorry, I didn't mean to tell a big story...

Thanks again ... that's the figure I'll have in mind.
Debbie


"TURTLE" wrote in message
...
|
| "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
|
|

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



It won't be much. I bought my 1994 in 98 for $6,000. It
still has only 40,000 miles on it and would suspect it would
sell for $3-4,000 but whoever bought would be getting a hell
of a bargain because it is cherry. The insurance company
will likely use the Kelly blue book and it will be the
lowest rate because of the high mileage. They don't care
what it looks like if it was totaled, they just look at the
mileage and the options to see what the lowest cost of
replacement would be. Depending on the company, they may
just offer you cash, or you may have an option of a
replacement of a similar vehicle if they can find one. If
you don't like what they offer you could get an attorney,
but his cost would be likely much greater than any amount he
could improve on a 1995 vehicle with 170,000 miles.

What you might want too worry about is that the insurance on
your other vehicles is likely to go up radically or even be
canceled.

In article ,
"DebbieG" wrote:

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).

I would be interested in a comparison between the insurance premiums you
paid over the car's lifetime and what they give you for a total.

--
Free men own guns, slaves don't
www.geocities.com/CapitolHill/5357/

"Joshua Putnam" wrote in message
...
In article ,
says...

You have me on this one. What would the reason you was going to do with the
replacement truck or if you was going sell it after they pay you for it or
fix
it. I have never hear of any section on a insurance policy as to what you was
going to do with a auto after you have been reinbursted for it and would make
any difference in the price you would receive for it.

It won't matter for most car insurance policies, they're generally
settled at Actual Cash Value.

Other forms of insurance, e.g. homeowners insurance, often pays
replacement cost if an item is replaced. e.g. if your 50-year-old house
burns down, Replacement Cost coverage would pay to rebuild the house.
But if you don't rebuild, your cash payment is limited to the
depreciated Actual Cash Value of the house that burned. (The insurance
company doesn't want you burning down the house for the cash, after
all.)

--
is Joshua Putnam
http://www.phred.org/~josh/
Updated Infrared Photography Gallery:
http://www.phred.org/~josh/photo/ir.html

This is Turtle.

I think your making a moutain out of a mole hill here. If the house burns to the
ground you get a estimate from a contractor to replace the house as it was and a
estimate to replace the content. You give that figure to the insurance company
that is the amount of the check is to be written to you minus the deductiable
amount. No insurance company has the right to tell me if I replace the house,
buy a new one down the block, higher or lower price house with the money , or
wait 2 or 3 years before I do anything with the money. Now you might be talking
about some fly by nite insurance companys like All State which will try to hold
the money back and wait to see what your going to do but if you have a lawyer
send them a letter explaining your going to wait and just buy a new home when
one comes avaliable on the market. They have 2 choices here. Be in court -- pay
all lawyer fees, and 8% APR on the funds during the court time to settle it. or
Pay Up. There is so many options as to what you would do that if they was able
to tell you what the price would be in different cases. Then they could start
telling you what house and contractor your going to use and take over the
bidding on the new house and also if you was going to buy a new house already
built they would sellect the realestate company to use and tell you what price
you would pay for the new one and not ask you nothing as to if you like it or
not. It just does not happen this a way.

Now let me tell you what your talking about and it is true as to what you say.
It is if you have a '' repair '' to your home by wind , fire, smoke, or storm
damage and it was not a totaling of the house but just a percent damage and not
a total pay out. They will pay a good per cent at first to start the repairs and
when you show the repairs was complete , they will pay the full price or
estimate of the repairs. This policy is done by insurance company to make sure
the repair was made and they would not be insuring a half damaged house in the
furture. It does not apply to total burn downs and total losts.

TURTLE

I would be interested in a comparison between the insurance premiums you
paid over the car's lifetime and what they give you for a total.


Well, what you actually want is a comparison of the insurance
premiums minus the liability.. I carry liability insurance,
but I figure if my $2000 car gets totalled, I'll just buy a new
one. Insurance is for things you CAN'T afford.

--Goedjn

I have USAA, generally regarded as an outstanding insurance company.

I had an item stolen a few years back. After my deductible, they
covered the cost of the item (nice road bike) MINUS depreciation based
on age and wear/tear. They reimbursed the depreciation only if I
replaced the item, not if I just took the cash payout.

Could be similar for cars.

TURTLE wrote:
"Joshua Putnam" wrote in message
...

In article ,
says...


You have me on this one. What would the reason you was going to do with the
replacement truck or if you was going sell it after they pay you for it or
fix
it. I have never hear of any section on a insurance policy as to what you was
going to do with a auto after you have been reinbursted for it and would make
any difference in the price you would receive for it.

It won't matter for most car insurance policies, they're generally
settled at Actual Cash Value.

Other forms of insurance, e.g. homeowners insurance, often pays
replacement cost if an item is replaced. e.g. if your 50-year-old house
burns down, Replacement Cost coverage would pay to rebuild the house.
But if you don't rebuild, your cash payment is limited to the
depreciated Actual Cash Value of the house that burned. (The insurance
company doesn't want you burning down the house for the cash, after
all.)

--
is Joshua Putnam
http://www.phred.org/~josh/
Updated Infrared Photography Gallery:
http://www.phred.org/~josh/photo/ir.html


This is Turtle.

I think your making a moutain out of a mole hill here. If the house burns to the
ground you get a estimate from a contractor to replace the house as it was and a
estimate to replace the content. You give that figure to the insurance company
that is the amount of the check is to be written to you minus the deductiable
amount. No insurance company has the right to tell me if I replace the house,
buy a new one down the block, higher or lower price house with the money , or
wait 2 or 3 years before I do anything with the money. Now you might be talking
about some fly by nite insurance companys like All State which will try to hold
the money back and wait to see what your going to do but if you have a lawyer
send them a letter explaining your going to wait and just buy a new home when
one comes avaliable on the market. They have 2 choices here. Be in court -- pay
all lawyer fees, and 8% APR on the funds during the court time to settle it. or
Pay Up. There is so many options as to what you would do that if they was able
to tell you what the price would be in different cases. Then they could start
telling you what house and contractor your going to use and take over the
bidding on the new house and also if you was going to buy a new house already
built they would sellect the realestate company to use and tell you what price
you would pay for the new one and not ask you nothing as to if you like it or
not. It just does not happen this a way.

Now let me tell you what your talking about and it is true as to what you say.
It is if you have a '' repair '' to your home by wind , fire, smoke, or storm
damage and it was not a totaling of the house but just a percent damage and not
a total pay out. They will pay a good per cent at first to start the repairs and
when you show the repairs was complete , they will pay the full price or
estimate of the repairs. This policy is done by insurance company to make sure
the repair was made and they would not be insuring a half damaged house in the
furture. It does not apply to total burn downs and total losts.

TURTLE

First, it makes a difference if you are dealing with your insurer, or
the insurer of someone who hit you. Since you give no indication that
anyone else was at fault, it will be your insurer you will be dealing with.

They will ask you if you intend to replace the vehicle. That affects
the amount they will pay you.

Buried in your policy is a description of what value they will place on
the vehicle. Look that up, and go to some of the web sites that give
such information. Bear in mind that this can vary with your location,
and with features of the car. Look on the website for features that
increase the value, and be sure you meet with the adjuster and point out
all of those features. You won't have to point out the high mileage; he
will find that himself. Give him a copy of your spreadsheet as an
indication that the car was well maintained and in very good condition.

Most companies will pay the fair market value of the car, less any
deductible, plus any costs you will incur in replacing it (if you told
them you intend to replace it), such as sales tax on the FMV, and any
title transfer or licensing fees you will incur.

You can also probably keep the car itself for a very nominal cost if you
want to buy it from them and repair it, but you will then have to get a
salvage title.

If you don't like their offer, there is probably an appeal process
described in your policy, but you might have better luck talking to your
insurance company, giving your reasons, and asking for a reappraisal.

All of this could vary with where you live and who your insurer is.

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




--
SPAMBLOCK NOTICE! To reply to me, delete the h from apkh.net, if it is
there.

"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




Look in the local papers for a comparable vehicle and that should get you in
the ballpark. When this happened to me they offered me about 65% of what the
vehicle was worth. I called them back and told them to look in todays paper
and rethink this or get me the exact replacement vehicle. They called back
with a full settlement. I don't know what state you are in but in California
you can require the insurance company to get you an exact
replacement.....Good Luck and watch that ice....Ross

"Jim Rusling" wrote in message
news:mFGEd.20773$Wo.16123@lakeread08...
"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.

snip
The wife and I had ours totaled on 12/31 by a girl that ran a red
light. Ours was a 1993 Explorer with just 120,000 miles. I will also
be interested. There are some pictures of ours at
http://members.cox.net/jrusling/accident/index.html.

--
Jim Rusling
Partially Retired
Mustang, OK
http://www.rusling.org

You need one of those bumper stickers that are placed upside down that read
"If you can read this, flip me over"....Glad you were OK....Ross

"Ross Mac" wrote:

snip
You need one of those bumper stickers that are placed upside down that read
"If you can read this, flip me over"....Glad you were OK....Ross

Thanks.

--
Jim Rusling
Partially Retired
Mustang, OK
http://www.rusling.org

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

"DebbieG" wrote in message
...
Tom,

I don't know of any wording in an insurance policy for a vehicle about
replacing it if it is paid for. If it's in there it will surprise me.

A few years ago, I had put a car in a ditch. Since it was paid for they
just gave me a check after the estimate was written. They never made sure
I
spent the money on the car for repairs. I think they do that only if
there
is a lien on the car.

Debbie


"Tom" wrote in message
news:OHHEd.4434$u47.1018@trnddc09...
| We are not
| going to replace it since it was a 3rd vehicle (the oldest of the 3).
|
| What does your policy say about paying up when you are not going to
replace
| the vehicle? I suspect that might make a difference in the settlement
| amount.
|
|




Debbie,
My daughter in law recently wrecked her 95 explorer that she bought new. The
insurance gave her $7800. after they kept $1000 for her deductible.
HTH,
Kathy

Nick Hull wrote:
In article ,
"DebbieG" wrote:


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).


I would be interested in a comparison between the insurance premiums you
paid over the car's lifetime and what they give you for a total.


Won't tell you much, the amount they will give you is pretty
much a regional figure, the amount you pay on insurance can
be highly local and individual. I assume you are looking to
see what the value of the coverage was compared to the cost.
The only part of the insurance that is relevant in that
comparison is the collision part and maybe the comprehensive
since there was a lot of glass damage. Liability, medical,
and uninsured motorist may be mandated by the state.

I can give you an idea, I have a 1994 Explorer and currently
the cost of comprehensive is 24.30 (full coverage) and
collision ($100 deductible) is 42.60 each 6 months. Those
costs have been close since 1998 when I bought the machine.
So that is about $135 per year. Thats only $806 for 6
years, so if I totaled my machine, assuming I got $3800 I
would be $3000 ahead. Or, another way of looking at it, is
that my machine will be worth at least $2000 for as long as
I have it, so I can pay those costs for nearly 15 years and
break even. If you want to compare to having or not having
the vehicle, it is very different since the required
insurance part is nearly 150 percent of the collision and
comprehensive cost.

Like I said, the costs are highly local and individual. A
person in another city even with a good driving record could
be pay 3 times what I pay. and I am sure some pay as little
as 1/2 of what I pay.

"Halvey" wrote in message
...
I have USAA, generally regarded as an outstanding insurance company.

I had an item stolen a few years back. After my deductible, they covered the
cost of the item (nice road bike) MINUS depreciation based on age and
wear/tear. They reimbursed the depreciation only if I replaced the item, not
if I just took the cash payout.

Could be similar for cars.


This is Turtle.

the bic was a repair item called a part of the house. What you say comers into
effect in replacing the Parts of the house or the parts of the car to be
replaced. If they total a house or car a different set of rules come into play.
If you repair or replace a part, item, section , or partical repaire of anything
.. Your words come into play but not on a totaling of a house or car. It it's
totalled out. They just bought the whole house or car and the replacing of the
whole house or car has no bearing on the replacement cost. Also you don't have
depreation on the house because houses don't depreciate but grow in valve.
Secondly. Depreciation only applies to house hold items and not on the house
it'sself or a car. Please explain to me what or how you can depreciate the valve
of a home or a car ? Home Appraisial valve is for houses and book valve is for
cars. If you can sell the house or car at that valve to the public at that time.
You can't depreciate it as being not worth the price it will sell for right now.

Let me put a deal together where your theory will not fly. My house burns to the
ground and I have $40K worth of coverage and the house was valved at $100K and
your short by $60K before You can build a new one. the bank will not loan me any
money because of bad credit and will have to save my money up to make up the
$60k to build a new house. It will take about 15 years to save up the money to
build the house back. I will have to live in a apartment and pay rent till i
save the money.

Now as you say the insurance company does not have to pay the full amount or not
pay the depreation amount when there is NO depreciation of a whole house at all
and because you don't build it back right now. You don't depreciate the valve of
a whole house if it would have sold for that valve 10 minute before it burned to
the ground.

if the item was a bic, lawn mower, fence, secion of the home / room, part of the
house or house hold items they can depreciate it but if it is a whole house or
whole car which has a set valve and can be sold at that time for the appraisial
valve at that time you can't depreciate it.

TURTLE

In article ,
says...

I think your making a moutain out of a mole hill here. If the house burns to the
ground you get a estimate from a contractor to replace the house as it was and a
estimate to replace the content. You give that figure to the insurance company
that is the amount of the check is to be written to you minus the deductiable
amount.


*If* you elect to have the home rebuilt, replacement cost coverage will
pay for that. If you don't you will be paid the actual cash value of the
home. (In either case, you're out your deductible, and the maximum
payout is subject to your policy limits.)

For example, one policy I have in front of me specifies, under Loss
Settlement provisions for Dwelling coverage:

"When the cost to repair or replace is more than $1,000 or more than 5%
of the limit of insurance in this policy on the building, whichever is
less, we shall pay no more than the actual cash value of the damage until
repair or replacement is completed.

At your option, you may make a claim under this policy on an actual cash
value basis for loss or damage to buildings. Within 180 days after loss
you may make a claim for any additional amount on a replacement cost
basis if the property has been repaired or replaced."

Exact language will vary somewhat from carrier to carrier, but the
concept is the same -- you get paid replacement cost if you replace
something, otherwise you get actual cash value.

(Assuming of course that you have a replacement cost policy to begin
with. Many homes don't qualify for replacement cost coverage due to
condition, and they can only be insured for Actual Cash Value.)

Disclaimer: Unless you see my name on your policy declarations, I am not
your insurance agent. Policy language varies by company, policy, and
jurisdiction. Read your own policy and call your own agent if you need
specific details of your policy.

--
is Joshua Putnam
http://www.phred.org/~josh/
Updated Infrared Photography Books List:
http://www.phred.org/~josh/photo/irbooks.html

"Kathy" wrote in message
...
|
| "DebbieG" wrote in message
| ...
| Tom,
|
| I don't know of any wording in an insurance policy for a vehicle about
| replacing it if it is paid for. If it's in there it will surprise me.
|
| A few years ago, I had put a car in a ditch. Since it was paid for they
| just gave me a check after the estimate was written. They never made
sure
| I
| spent the money on the car for repairs. I think they do that only if
| there
| is a lien on the car.
|
| Debbie
|
|
| "Tom" wrote in message
| news:OHHEd.4434$u47.1018@trnddc09...
| | We are not
| | going to replace it since it was a 3rd vehicle (the oldest of the
3).
| |
| | What does your policy say about paying up when you are not going to
| replace
| | the vehicle? I suspect that might make a difference in the
settlement
| | amount.
| |
| |
|
|
|
|
| Debbie,
| My daughter in law recently wrecked her 95 explorer that she bought new.
The
| insurance gave her $7800. after they kept $1000 for her deductible.
| HTH,
| Kathy
|
|
Kathy,
Was it a 4-door Explorer or a 2-door Explorer? Was it 4-wheel drive?
Debbie

"Joshua Putnam" wrote in message
...
In article ,
says...

I think your making a moutain out of a mole hill here. If the house burns to
the
ground you get a estimate from a contractor to replace the house as it was
and a
estimate to replace the content. You give that figure to the insurance
company
that is the amount of the check is to be written to you minus the deductiable
amount.


*If* you elect to have the home rebuilt, replacement cost coverage will
pay for that. If you don't you will be paid the actual cash value of the
home. (In either case, you're out your deductible, and the maximum
payout is subject to your policy limits.)

For example, one policy I have in front of me specifies, under Loss
Settlement provisions for Dwelling coverage:

"When the cost to repair or replace is more than $1,000 or more than 5%
of the limit of insurance in this policy on the building, whichever is
less, we shall pay no more than the actual cash value of the damage until
repair or replacement is completed.

At your option, you may make a claim under this policy on an actual cash
value basis for loss or damage to buildings. Within 180 days after loss
you may make a claim for any additional amount on a replacement cost
basis if the property has been repaired or replaced."

Exact language will vary somewhat from carrier to carrier, but the
concept is the same -- you get paid replacement cost if you replace
something, otherwise you get actual cash value.

(Assuming of course that you have a replacement cost policy to begin
with. Many homes don't qualify for replacement cost coverage due to
condition, and they can only be insured for Actual Cash Value.)

Disclaimer: Unless you see my name on your policy declarations, I am not
your insurance agent. Policy language varies by company, policy, and
jurisdiction. Read your own policy and call your own agent if you need
specific details of your policy.

--
is Joshua Putnam
http://www.phred.org/~josh/
Updated Infrared Photography Books List:
http://www.phred.org/~josh/photo/irbooks.html

This is Turtle.

You read repair section which is what I said and then total replacement section
what was exactly what I said. So where is your point here ?

TURTLE

Kathy wrote:
"DebbieG" wrote in message
...

Tom,

I don't know of any wording in an insurance policy for a vehicle about
replacing it if it is paid for. If it's in there it will surprise me.

A few years ago, I had put a car in a ditch. Since it was paid for they
just gave me a check after the estimate was written. They never made sure

I

spent the money on the car for repairs. I think they do that only if

there

is a lien on the car.

Debbie


"Tom" wrote in message
news:OHHEd.4434$u47.1018@trnddc09...
| We are not
| going to replace it since it was a 3rd vehicle (the oldest of the 3).
|
| What does your policy say about paying up when you are not going to
replace
| the vehicle? I suspect that might make a difference in the settlement
| amount.
|
|





Debbie,
My daughter in law recently wrecked her 95 explorer that she bought new. The
insurance gave her $7800. after they kept $1000 for her deductible.
HTH,
Kathy


Wow! She got a good deal. I don't think I could expect
anything close to that for my 4 door, 4wheel drive 6 cyl
(don't think they made 8 cyl in 1994). At least I've never
sold a car for anything near what I paid for it. (Paid
$6,000 in 1998 at which time it had 25,000 miles , now has
just over 40,000 miles).

That's pretty much what happened to me. Insurance offered a lowball
value, we found comparables for several thousand dollars more, adjustor
said "okay" and wrote the check. However, my car was only one year old,
so it was easy to find several local comparables. Their first offer is
always that - an *offer*. Even if they call it a "final settlement,"
it's just a first offer. Also, if they total it, they need to pay the
price of the tag as well.

Tracy

In article ,
says...

"Joshua Putnam" wrote in message
...
In article ,
says...

I think your making a moutain out of a mole hill here. If the house burns to
the
ground you get a estimate from a contractor to replace the house as it was
and a
estimate to replace the content. You give that figure to the insurance
company
that is the amount of the check is to be written to you minus the deductiable
amount.


*If* you elect to have the home rebuilt, replacement cost coverage will
pay for that. If you don't you will be paid the actual cash value of the
home.

You read repair section which is what I said and then total replacement section
what was exactly what I said. So where is your point here ?

If your house is a total loss, you don't get a check for the replacement
cost.

If you want cash, you get depreciated cash value.

The insurance company only pays replacement cost if you have the house
rebuilt, and then only after the construction is completed.

--
is Joshua Putnam
http://www.phred.org/~josh/
Updated Bicycle Touring Books List:
http://www.phred.org/~josh/bike/tourbooks.html

Update:

It is totaled but waiting to hear if they are going to up the amount -- I
wasn't happy with the amount. I asked him if he had added the options that
made the vehicle more expensive and he said they don't count those on older
vehicles. My response was we pay for full coverage we should get full
credit. He told me that he was glad my husband wasn't hurt and that you can
always replace a vehicle ... my response "If you give me enough money we can
replace it!"

Also, a lady from the insurance company called my husband to get the details
of the accident. She asked about the lien on the vehicle. I told her that
the vehicle was paid for in 1997 and that if we still had a lien on it after
10 years we're in big trouble. She said we could have refinanced it. She
also told me that lien holders don't notify the insurance when it is paid
off. I had her check our other vehicles and 2 of them still showed liens
where there are none. One of them is a 1987 ATV! I called our agent to
tell him to remove the liens so we don't have problems later. Just thought
I would share that in case it might help someone else.

Debbie


"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
|
|
|

In article ,
says...

I sent my car title to my ins. co. and I should be receiving a check soon.
Big deal. I still don't have a car and I'll never find a good one as I
had (with the check I'll get

If you have an older car in significantly better-than-average condition,
you might want to ask your insurance agent about agreed-value coverage.
Basically, you get your car appraised for what it's really worth in
unusually good condition, rather than average market value for that make
and model, and the insurance company agrees that if the car is ever
totalled, they will pay that agreed value for your car.

It costs more, of course, but the more your car is worth, the more sense
it makes to insure it to full value.

Agreed value coverage is most common for collector cars, but it can make
sense for daily drivers, too.

--
is Joshua Putnam
http://www.phred.org/~josh/
Books for Bicycle Mechanics and Tinkerers:
http://www.phred.org/~josh/bike/bikebooks.html

Well, it's finally been settled. They started at $4,000 but I was insistent
that wasn't enough. My husband hates dealing with stuff like this and would
have agreed to their first offer so I take care of stuff like this. They
came up in small increments every time I talked to them. They offered
$4,400 so I called a Ford dealership to see what they thought it would be
worth and the used car salesman thought that was a great offer. They
finally came up to $4,750 but I wanted $4,850. My husband kept saying,
"Just let it go" but I just couldn't. My parents said "It's only $100 ...
settle already!" My brother said "I didn't know you could negotiate what an
insurance company pays for a totaled vehicle. I'll remember that!" I think
they were sick of me and finally agreed to what I wanted just to make me go
away ... we got the check today!

FYI: I'm also the one that does the negotiations when purchasing a car.
It's funny because when they come back with a counteroffer they always look
at him and he just points to me and says "Talk to her." In fact the last
car we bought, he went to look at it with me, we went back home to get some
paperwork and he didn't want to go back so I went alone to finish the
negotiations. His strengths lie elsewhere -- thank goodness opposite
attract!

Thanks to all of you for your advice and suggestions.
Debbie


"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

You are lucky. Even after we gave them three written estimates from local
dealers of what my car would have been worth in our area of the country,
they insisted that their price from their men in the big city many miles
away was the only one they would accept.
"DebbieG" wrote in message
...
Well, it's finally been settled. They started at $4,000 but I was
insistent
that wasn't enough. My husband hates dealing with stuff like this and
would
have agreed to their first offer so I take care of stuff like this. They
came up in small increments every time I talked to them. They offered
$4,400 so I called a Ford dealership to see what they thought it would be
worth and the used car salesman thought that was a great offer. They
finally came up to $4,750 but I wanted $4,850. My husband kept saying,
"Just let it go" but I just couldn't. My parents said "It's only $100 ...
settle already!" My brother said "I didn't know you could negotiate what
an
insurance company pays for a totaled vehicle. I'll remember that!" I
think
they were sick of me and finally agreed to what I wanted just to make me
go
away ... we got the check today!

FYI: I'm also the one that does the negotiations when purchasing a car.
It's funny because when they come back with a counteroffer they always
look
at him and he just points to me and says "Talk to her." In fact the last
car we bought, he went to look at it with me, we went back home to get
some
paperwork and he didn't want to go back so I went alone to finish the
negotiations. His strengths lie elsewhere -- thank goodness opposite
attract!

Thanks to all of you for your advice and suggestions.
Debbie


"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

"George E. Cawthon" wrote in
message
...
: Kathy wrote:
:
: Debbie,
: My daughter in law recently wrecked her 95 explorer that she
bought new. The
: insurance gave her $7800. after they kept $1000 for her
deductible.
: HTH,
: Kathy
:
:
: Wow! She got a good deal. I don't think I could expect
: anything close to that for my 4 door, 4wheel drive 6 cyl
: (don't think they made 8 cyl in 1994). At least I've never
: sold a car for anything near what I paid for it. (Paid
: $6,000 in 1998 at which time it had 25,000 miles , now has
: just over 40,000 miles).

I was wrong, it was a '98.