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Joined: Jan 2003
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401Celica
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401Celica Jul 27, 5:52pm - #233995 
2003 Solar Yellow Toyota Celica
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2003 Toyota Celica

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Posts: 291
Providence, Rhode Island
Insurance question

As most of you guys already know, my car had been stolen. Now that it's been recovered, the insurance said that it was 10 g's worth in damage. It looks more like 5 g's. My question is, what would you guys do? Let the insurance fix it or take the money and fix it myself? I know these are stupid quetions. It's just that this is my first time claiming insurance.
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RicePowered
ECelica Staff
RicePowered Jul 27, 5:58pm - #233996 
ECelica Staff

Joined: Oct 2002
Posts: 2,677
South Jersey
10Gs eek eek damn ... personally I would push to get the car totalled then.

Otherwise just let then fix it. Get a rundown of everything they are going to do to see why it's so much.

**DONOTDELETE**
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Anonymous Jul 27, 6:43pm - #233997 
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What all is the matter with it body work, interior, stereo, etc.
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QTRMLR_1
Specialist
QTRMLR_1 Jul 27, 8:50pm - #233998 

Specialist
2002 Toyota Celica

Joined: Jun 2004
Posts: 1,376
Los Angeles, CA
I would definitely take the money and fix it myself. You'll probably have some to spare after you fix the body and the ignition and the glass. You need new rims too, right? and a stereo?

I get my kicks on EC.
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Posts: 327
l2pdrums
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l2pdrums Jul 27, 8:58pm - #233999 

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2000 Toyota Celica GT

Joined: Dec 2003
Posts: 327
CA, USA
Originally Posted by RicePowered
10Gs eek eek damn ... personally I would push to get the car totalled then.

Otherwise just let then fix it. Get a rundown of everything they are going to do to see why it's so much.

I've never had any insurance claims, but I would pretty much do what you said RicePowered.
Joined: Jan 2003
Posts: 291
401Celica
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401Celica Jul 28, 12:33am - #234000 
2003 Solar Yellow Toyota Celica
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2003 Toyota Celica

Joined: Jan 2003
Posts: 291
Providence, Rhode Island
Originally Posted by RicePowered

10Gs eek eek damn ... personally I would push to get the car totalled then.

Otherwise just let then fix it. Get a rundown of everything they are going to do to see why it's so much.


The car is not totalled because the engine is still good. I looked at the paper, with a list of what they were gonna replaced and fix, and the TRD front bumper itself cost $1025, the passenger side window $250, missing screw $1.00, broken mud guard $20 (which I don't have), some minor body damage like dings and dents etc. etc. everthing was high priced and added up to 10 g's eek The ignition and rims was not included yet. Now with all that money I can fix all this and still have plenty left over but there's gotta be a catch. What do you guys think?
Joined: Jul 2004
Posts: 42
stormyone
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stormyone Jul 28, 2:06am - #234001 

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2000 Toyota Celica GT

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Posts: 42
Cincinnati, OH
Originally Posted by 401Celica
Originally Posted by RicePowered
10Gs eek eek damn ... personally I would push to get the car totalled then.

Otherwise just let then fix it. Get a rundown of everything they are going to do to see why it's so much.


The car is not totalled because the engine is still good. I looked at the paper, with a list of what they were gonna replaced and fix, and the TRD front bumper itself cost $1025, the passenger side window $250, missing screw $1.00, broken mud guard $20 (which I don't have), some minor body damage like dings and dents etc. etc. everthing was high priced and added up to 10 g's eek The ignition and rims was not included yet. Now with all that money I can fix all this and still have plenty left over but there's gotta be a catch. What do you guys think?


Dude, take the money. Hopefully you will have a bunch of money left over... because your insurance is gonna be going up a lot. Save some of that extra $$ for your next insurance payment.
Joined: Sep 2003
Posts: 116
kglee79
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kglee79 Jul 28, 8:11am - #234002 
2003 Carbon Blue Toyota Celica
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2003 Toyota Celica

Joined: Sep 2003
Posts: 116
San Diego, CA
Your car is probably not totaled. I had $12k worth of damage from someone running a red, they said the damages would have to be around $17k for them to total it. I have Mercury Insurance..they said they take the low Kelly Blue Book value and use that to determine if it's totaled or not. If it costs more than the KBB value, then it's considered totaled.
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Posts: 2,030
RevMonster
Masta OC
RevMonster Jul 28, 8:15am - #234003 

Masta OC
2003 Toyota Celica

Joined: Oct 2003
Posts: 2,030
Orange County, Ca
Quote:


Dude, take the money. Hopefully you will have a bunch of money left over... because your insurance is gonna be going up a lot. Save some of that extra $$ for your next insurance payment.


Comprehensive (theft and vandalism) claims don't change your rates whatsoever. grin

I'm just a crosshair
I'm just a shot away from you
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CeLlYgT04
Specialist
CeLlYgT04 Jul 28, 8:22am - #234004 

Specialist

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Posts: 2,034
Orange County, Ca
Try to get it totaled thumbsup
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