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Started By
Message
re: New car totaled - value for insurance.
Posted on 9/21/23 at 2:03 pm to slackster
Posted on 9/21/23 at 2:03 pm to slackster
quote:It absolutely is. When a car is totaled the insurance co pays you for these as part of the cost of the vehicle.
Sure, but TTL is irrelevant to the insurance discussion, unfortunately.
1
Posted on 9/21/23 at 2:04 pm to achenator
quote:
It absolutely is. When a car is totaled the insurance co pays you for these as part of the cost of the vehicle.
Well I’ll be damned, you’re right. I didn’t know that. Thanks for pointing it out.
Posted on 9/21/23 at 2:04 pm to thunderbird1100
quote:take a look at these prices of used 2023 outbacks and get back to me.
If you bought a $35k new Subaru, drove it off lot, put it through 300 miles and a tank of gas in 2 weeks and decided you didnt like it...if you took it back to the dealer and said buy it back what do you think they would offer you? A HELLUVA lot less than $35k you paid because now they have to sell it a bit under the $35k other similar Subarus just to move it to a different customer. If you tried to sell the same Subaru private sale only a moron or desperate person would pay the NEW price for a USED car even with 300 miles on it. Sure there's some exceptions on rare vehicles and whatnot, but we're talking a pretty run of the mill subaru here.
Here is a carmax link LINK
Posted on 9/21/23 at 2:06 pm to j1897
quote:
Bro trying to say they got 7,000 in options on a subaru?
negative
Nice math there. $36k minus the $32k base price is not $7k last I checked. And they do have a $3k option package, plus accessories btw
Posted on 9/21/23 at 2:06 pm to slackster
quote:like I said above I dealt with this twice in a year. Once my kid's fault and one not his. Both vehicles had less than 3k miles on them.
Well I’ll be damned, you’re right. I didn’t know that. Thanks for pointing it out.
Posted on 9/21/23 at 2:13 pm to LNCHBOX
He's wanting 38 from his insurance. Try to keep up.
Posted on 9/21/23 at 2:17 pm to j1897
quote:
He's wanting 38 from his insurance. Try to keep up.
You said 36. Try to keep up.
Posted on 9/21/23 at 2:18 pm to j1897
quote:
31,190. Why the heck would you deal with carmax?
Why do you keep quoting base price when OP clearly states he has the $3k option package?
Posted on 9/21/23 at 2:23 pm to j1897
quote:
33266.
Wrong option package. Try keeping up
quote:
You're missing the point, it's still less than the 38k he wants from his insurance company.
Yea, frick him for wanting to be made actually whole.
Posted on 9/21/23 at 2:27 pm to LNCHBOX
No, it's OP15 with starlink, same option package he had. Maybe try reading for once.
Making him whole costs 33266. Dude overpayed for his car and wants insurance to fill the void. Pretty obvious what happened.
quote:
Yea, frick him for wanting to be made actually whole.
Making him whole costs 33266. Dude overpayed for his car and wants insurance to fill the void. Pretty obvious what happened.
Posted on 9/21/23 at 2:29 pm to j1897
quote:
OP15
It very clearly says 13 on the window sticker on the vehicle you linked.
quote:
Dude overpayed for his car and wants insurance to fill the void. Pretty obvious what happened.
That or you're a smooth brain. Either way. And
at you now claiming OP came up with this elaborate insurance scam to get out of a loan This post was edited on 9/21/23 at 2:32 pm
Posted on 9/21/23 at 2:36 pm to j1897
quote:
Making him whole costs 33266. Dude overpayed for his car and wants insurance to fill the void. Pretty obvious what happened.
And what is that with tax?
This post was edited on 9/21/23 at 2:38 pm
Posted on 9/21/23 at 2:37 pm to meansonny
quote:
meansonny
In a thread with a lot of bad replies this may be the worst, congrats. Nothing you typed is relevant to the actual situation in the OP.
Posted on 9/21/23 at 2:41 pm to j1897
quote:Ever think that dealers lie? Once you get in there "you only get this price if you buy the $2000 protection pack" The carmax price is a real price and you can buy it right now from your phone instead of playing dealer games. Those carmax prices are a real comp, i used them on a 2022 civic and 2023 acura. You are off on the options as well and don't forget part of being made whole is being paid TTL by the insurance company.
31,190. Why the heck would you deal with carmax?
Posted on 9/21/23 at 2:51 pm to achenator
quote:
like I said above I dealt with this twice in a year. Once my kid's fault and one not his. Both vehicles had less than 3k miles on them.
So I looked into it more and it’s only true in about 2/3rds of states. Regardless, I didn’t realize it was true anywhere.
Posted on 9/21/23 at 2:51 pm to bod312
quote:
In a thread with a lot of bad replies this may be the worst, congrats. Nothing you typed is relevant to the actual situation in the OP
It has everything to do with buyers habits which has everything to do with how much a used car sells for.
You can disagree with me all you want.
But when someone returns an open package to the store, is that the specific one that you grab off the shelf?
Or do you grab the unopened one?
Legitimate question if you want to provide a legitimate answer.
The answer directly affects the number of qualified buyers for the product.
Supply and demand set the price.
Posted on 5/13/24 at 6:45 am to LNCHBOX
quote:
Whole lot of words just to say that you're cool with the insured not being made legitimately whole.
I've done a few property claims in my day, and this is by far the closest so 100% that I've ever seen. It's usually significantly less.
Also, you can't ultimately fight anything. The insurance companies all use a program that does the calculations and provides the numbers. Even if you were to sue and go to trial, the courts pretty much always side with that program. And the insurance companies will not settle or negotiate, as not to affect the larger market.
Posted on 5/13/24 at 6:56 am to jfw3535
quote:
I'm sure this will get lots of downvotes, but if you need gap insurance, you can't fricking afford the car!!!
I dunno about that. You should get back what you paid. OP is out $2k to have it for one month.
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