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Started By
Message
Totaled vehicle, what happens next?
Posted on 12/9/22 at 12:19 pm
Posted on 12/9/22 at 12:19 pm
Vehicle involved in T-Bone accident. All curtain airbags deployed, significant structural damage one side of vehicle (A-pillar, B-pillar, rocker panel) and the repair estimate near 100% value of car. Estimate submitted Wednesday of this week, and I'm yet to hear final disposition from insurance company (was told it is under final review - not sure how long this takes, impression a couple of days). I was given dollar amounts of what State Farm determined value to be already. Once the final determination is done, what can I expect? Am I going to have to go to the DMV, surrender plates, etc? Or does ins. co. handle that type of procedure. I have the plate. I've had the car for two years, their is a balance on the loan. Will ins. co. handle the payoff then send me check for the balance? I'm in Louisiana if it makes a difference on DMV procedures.
22
Posted on 12/9/22 at 12:20 pm to BigPapiDoesItAgain
Just make sure you turn that plate in before canceling insurance on the vehicle
Posted on 12/9/22 at 12:20 pm to BigPapiDoesItAgain
Call 3872323 and ask them 
Posted on 12/9/22 at 12:21 pm to BigPapiDoesItAgain
Posted on 12/9/22 at 12:22 pm to BigPapiDoesItAgain
Right about now, I’d be in Walgreens on the family planning isle stocking up on Astro glide.
Posted on 12/9/22 at 12:22 pm to BigPapiDoesItAgain
Plates stay with you probably. Insurance company will handle getting title and paying off note if there is one, then send you a check for the balance. None of this should require a trip to the DMV.
Sorry. Doesn’t seem like a great time to total a vehicle given the market right now.
Sorry. Doesn’t seem like a great time to total a vehicle given the market right now.
Posted on 12/9/22 at 12:28 pm to BigPapiDoesItAgain
Whatever the insurance company offers, decline it and demand more. They will always lowball you to see what you'll take knowing that most people aren't aware that this is a negotiation.
Posted on 12/9/22 at 12:28 pm to BRgetthenet
quote:
Right about now
the funk soul brother
Posted on 12/9/22 at 12:29 pm to terd ferguson
quote:
Just make sure you turn that plate in before canceling insurance on the vehicle
Actually you don’t have to physically turn in the plate anymore, I just went through this with a totaled car
This post was edited on 12/9/22 at 12:31 pm
Posted on 12/9/22 at 12:30 pm to TomJoadGhost
quote:
Doesn’t seem like a great time to total a vehicle given the market right now.
That's what I figured. Never seems like it is, but whatta ya gonna do?? I bought that car used in a good market, so now I guess that win will even out to some degree. I've been the beneficiary of unreal growth in markets over most of my professional life, so the high market now worries me less than potential time capital dealing with the administrative headaches. Just hoping to know the right steps and only do them once.
Posted on 12/9/22 at 12:35 pm to JonTheTigerFan
This is LA, brah... those mfers will come at you with a fine 5 years from now and make you provide proof
Posted on 12/9/22 at 12:40 pm to BigPapiDoesItAgain
I went through it a few years ago though in a different state. Each state has their own laws and regulations. Mine was fairly painless and I had a check from the insurance company about 2 weeks after the accident and was in a new car a few days later. Their offer was more than fair, so I didn’t argue it. Not sure I even could have. There were documents to sign but it was all handled via email. My car was paid off though so no lie holder to worry about. I did have to meet an adjuster to turn over the title, but that was a 5 minute thing. They even let me keep the rental car a few extra days while the dealership fixed a small cosmetic issue with the car I bought. Adjuster told me initially they only provided rental for a reasonable time to find a replacement vehicle. This was all done through the other driver’s insurance.
Posted on 12/9/22 at 12:43 pm to TomJoadGhost
No disrespect, but shouldn’t you have an agent you can call to discuss this with?
Posted on 12/9/22 at 12:54 pm to BigPapiDoesItAgain
Pull the Blue Book AND Nada value in your car. Use the higher one as a negotiation tool.
As previously noted, do NOT accept the first offer
As previously noted, do NOT accept the first offer
Posted on 12/9/22 at 12:55 pm to BigPapiDoesItAgain
quote:
Am I going to have to go to the DMV, surrender plates, etc? Or does ins. co. handle that type of procedure. I have the plate. I've had the car for two years, their is a balance on the loan. Will ins. co. handle the payoff then send me check for the balance? I'm in Louisiana if it makes a difference on DMV procedures.
No you’ll have to cancel the plate. In Louisiana you can do that online.
If the value exceeds the payoff of the loan they’ll pay off the car and you’ll get the balance.
Posted on 12/9/22 at 12:57 pm to Im4datigers
quote:
No disrespect, but shouldn’t you have an agent you can call to discuss this with?
Why go with an agent when you can call a 1-800 number and talk to Lashinisha who has been there for 3 months?
Posted on 12/9/22 at 12:58 pm to BigPapiDoesItAgain
Ask the insurance agent handling your claim.
Posted on 12/9/22 at 1:19 pm to Beardlington
quote:This. When my Durango Citadel got totaled the amount they offered was way too low. I forced them to pay for an appraisal and I paid for an appraisal. Cost me $375.
Whatever the insurance company offers, decline it and demand more. They will always lowball you to see what you'll take knowing that most people aren't aware that this is a negotiation.
Netted an additional $4k by doing this.
Posted on 12/9/22 at 1:22 pm to HubbaBubba
so they won't up the anty unless you pay for appraisal?
also what car insurance does everyone have?
I have All State & they suck. I wanted to talk to someone, and I didn't understand a word out of their chanese mouth.
the body shop people told me Farmers is the best & the military one.
also what car insurance does everyone have?
I have All State & they suck. I wanted to talk to someone, and I didn't understand a word out of their chanese mouth.
the body shop people told me Farmers is the best & the military one.
Posted on 12/9/22 at 1:24 pm to BigPapiDoesItAgain
On DMV website you can complete a cancel plate form and submit online.
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