re: Insurance- how long to make a decision of a wrecked vehicle is totaled?

It's been probably 20 years since I've had to deal with the crap you're going through, but IIRC there's a 75% rule. Meaning if the parts, labor etc. are at or above 75% of the blue book value, then they legally have to total your vehicle. In either case, the 130 days is an unfair claims settlement practice and bad faith in their 1st party coverage to make you whole, so there are additional bad faith penalties you're entitled to. Assuming you're in La., file a complaint with the La DOI. I believe the link is directly left of Tim Temple's picture on the home page.

quote:

---

Thanks.

---

Our posts crossed where you said 10% short of the 75% mark. There are additional factors other than just parts and labor that count towards the 75%, some of those factors I believe involve intangibles. The reviewer at the La DOI will know all the factors, might be a good idea to call him/her and establish a dialogue. I would bring up Unfair Claims Settlement practices and Bad Faith Affirmative Duty, both of those sections of Title 22 is huge with regulators dealing with auto insurance complaints.

I haven’t rented another car. I guess I should have - maybe if they were paying for a rental it would have changed their mind.

So your original title was completely misleading. Good job moron.

I still don’t have an answer/decison yet or a check.

quote:

---

I still don’t have an answer/decison yet or a check.

---

they don't pay you. they pay the body shop.

quote:

---

It’s a long story but basically after four months I would like the vehicle totalled

---

And the truth SHALL set you free!!!

quote:

---

we are about 10% short of the number for the vehicle being totaled.

---

Should have borrowed a hammer before the police and tow truck got there.

quote:

---

but the insurance company doesn’t think they can get much at a salvage sale to make it cost effective for them.

---

It never is. They are out money on every thing going through a salvage auction. They never make money there.

quote:

---

Can I just offer them some money to maybe meet in the middle of that 10% gap for them to total ?

---

You have to be a lobbyist to offer a bribe. Sorry.

quote:

---

Insurance company said some BS yesterday that it still going up the chain for approvals since it’s a high value vehicle.

---

Humble “I have an expensive German car that had previously entered the mechanical issue doom loop and I want that bitch gone” brag

Just went through this, although not this bad. Didn’t really see movement until we got an attorney involved. Even so we were at about 50 days when they decided to total it, and about 70 when we finally agreed on the value. Finally got the payment at the 90 day mark. Ours was a bit more complicated as it was a full size van with a wheelchair lift and other mods and harder to value.

Just went through this yesterday. At this point USAA is doing all virtual appraisals. So they give you an initial number based on owner photos. You then take it (or have it towed) to a shop and they start on it. Once they start breaking it down, they will submit another (supplemental) estimate to the insurance company. My issue is the car had multiple accidents and high mileage so I knew it would be totaled. BUT, the shop couldn't get to it for 3 fricking months. A lot of shops are backed up now. So I called the appraiser, explained the situation, he called the shop, asked for a few more photos of the undercarriage and within an hour it was totaled.