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Discussing Auto Insurance Question in the The Clubhouse Forum. Well where I live we got hit by Ernesto pretty bad (maybe not so much ... Modded Mustangs is the premier Ford Mustang Forum on the internet. We discuss all aspects of the Ford Mustang on the forum. Registered Users do not see the above ads. Please Register - It's Free! |
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#1 |
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The Cable Guy...
2002 Mustang GT
SLOW
Join Date: Jun 2006
Location: Shepherdsville, Kentucky
Posts: 15,360
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Auto Insurance QuestionThe Claims Adjuster was talking a lot about the possibility that my car could be totaled because of this...He said that there is really no way to know what else it messed up other then the engine...He was also talking about putting a motor out of a rear-ended mustang or something like that...Is there anything I can do about this? I love my car but I have heard after the car has had water damage like that; that the car is never the same...Is that true? Also doesn't the total cost of the labor and parts have to total 51% or more of the cars assessed value then they total it...Is that true? How much does a dealer normally charge for engine replacement? (I can find out tomorrow but was just wanting to know tonight so that I can sleep, Yeah not been sleeping very much since friday becuase of this) Also to top this all off I leave for a deployment for the sandbox on Wednesday... Any help will be greatly appreciated... Chris |
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#2 |
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Newbie
Join Date: Jun 2006
Location: Southern Maryland
Posts: 41
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I had some body damage a couple years ago in my Mustang after Isabelle. I filed the claim with my insurance and it was repaired under my comprehensive (act of God). Granted, my damage wasn't nearly as bad as you are describing.
If they total the car, many insurance companies will let you buy the car back and you can repair it, but the downside is that the car will have a Salvage title on it, and depending on your state, you may or may not be able to register it. |
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#3 |
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Hardcore Enthusiast
Join Date: Jul 2006
Location: Rapid City, SD (about 4 miles)
Posts: 1,070
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Or just have liability-only insurance on it.
__________________
"Look up!" |
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#4 |
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Classic Moderator
Join Date: Aug 2005
Location: GA
Posts: 4,179
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I have to let you buy it back. I would not let them put in a used motor in it. Make them put in a new one. If they total it, buy it back and put in a 351 motor.
__________________
Classic Mustangs are the best! Get one. |
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#5 |
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The Cable Guy...
2002 Mustang GT
SLOW
Join Date: Jun 2006
Location: Shepherdsville, Kentucky
Posts: 15,360
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Yeah I am not letting them put in used parts...I have a feeling I am going to be fighting Geico like crazy bu they are either going to do a new engine swap or total my vehicle out...If they total it since I make payments on the vehicle they will take it to action...They are going to want more then I am willing to give for a car that is in the state that it is now...We really dont know what else that water did to the car...
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#6 |
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Classic Moderator
Join Date: Aug 2005
Location: GA
Posts: 4,179
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Tell them you will fix it for less or you will take less to settle. Can't total it then
__________________
Classic Mustangs are the best! Get one. |
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#7 |
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Enthusiast
Join Date: Aug 2005
Location: Virginia Beach
Posts: 756
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how did everything go Chris?
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#8 |
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The Cable Guy...
2002 Mustang GT
SLOW
Join Date: Jun 2006
Location: Shepherdsville, Kentucky
Posts: 15,360
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Geico is giving me $2100 towards my new setup...I am covering the rest of the bill...I guess I came out on top...So when I get back from the desert stangliter04 you will have a my stock block with your name on it...
VT GT Pro Short Block (Billet Rods) VT Stage 2 Heads VT 2V Billet Cams (Nitrous Grind) Kooks Longtubes with catless x-pipe JLT True Ram Air Intake |
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