How can I get a fair replacement cost by the auto insurance company when my car is totoaled?
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Answer:
If you know the mileage on your car you can go to yahoo , that is the new at&t yahoo and in the left column click on autos and type in a description of your car mileage, condition, accessories and get a list with pictures and prices of what local dealers are selling them for. If the price offered is too low contact your insurance agency before signing an agreement on the offer and complain , thats what they are paid to do , look out for your interests. If you have a printer, Print out the price and similar vehicles to back up your complaint. This should help, let them know you've looked and it can not be replaced for the offer given and tell them you expect some help from them in the matter. That should do
Chances are you won't, because most policies cover the worth of the vehicle at the time of loss, which is NOT fair replacement cost. Check with your agent, but I'd guess you will get kelly blue book value adjusted for condition, not replacement value.
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