I've only really had one big claim with an insurance company and it was with USAA. They declared my Jeep totalled (after my son rolled it end over end off a steep drop off), but paid me a very generous amount without any issues. I ended up getting more from them than I could've sold the vehicle for. Didn't try to buy it back - it was 600 miles from home.
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July 21, 2011 1:51 p.m. T.J. SuperDork
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July 21, 2011 2:57 p.m. Duke SuperDork
dj06482 wrote:
Sometimes it's easier to settle for a damage amount that's just under the total amount. I had a friend who's E30 ix was totaled because he hit a deer, and he wishes he hadn't taken the full total money. The reconstructed title can be a pain (especially here in CT), as they do a full inspection of the car and will fail it for any leak.
This. I did that when my '67 Pontiac got hit. In DE it's a pain in the ass to get a salvage title. Plus, the car will forever have a black mark on its record if you ever try to sell it again (this is unlikely, of course, but it closes an option). Not only that, but no insurance company I know of will write you anything other than liability in a car with a salvage title.
