Question:
OK. I posted this question before, but with the exception of using the term "milking" my intentions were completely misunderstood and many ignorant people posted very rude remarks about my character. So, from the beginning. I was involved in a car accident last night. A drunk driver who has been convicted of DWI before after a prior accident blew through a red light. I could not stop in time and I hit him. My head slammed into my steering wheel today my neck and head hurt. My car was totalled. He was arrested. My problem is this. My car was an older model, but in great condition. It was reliable and I loved it, but they will probably give me very little for it. Not enough to get another decent car like it. To the ignorant girl who wrote on my prior version was it his fault that I drove a crappy car. No, it wasn't however it was his fault that he destroyed my car that has taken me to work for the past two years that I have done a lot of work on, which is why I am pissed off. I expect to be put back in the same position as I was before the accident if not a bit better for all the inconvenience. I'm not looking to take advantage of anyone. I want what's fair. Any suggestions are appreciated.
Answer:
Ahhh, I have had similar situation, in which the car is old, year wise but new mechanically and altered to look new. But the bad news is that when insurance companies make claims, they look at a 'blue book' value of a car. This value is what a car kept in good condition would be worth, not one that was upgraded and kept in better condition is worth.
The best thing you can do is provide the insurance company with all your receipts for all the work you have done on the car. You should be compensated for the value of items in the car that were attached, such as sterio system and other accesories. I think it is best to go through your insurance company to try and get the most out of his insurance company. They are pros and a quality insurance company will work to help you get the most out of the other insurance company.
But remember, there is de-pretiation on everything, as soon as you buy something, it goes down by about 20% per year, so you will never get your full amount back only less. It sucks.
Hope this helps
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