Okay, so pretty rough wreck yesterday. Hurt my knee and arm, but mostly my passenger car door. It wont close all the way now and guess what…its raining really hard today. How lucky is that? Lol. Anyhoo, I dont have collision insurance so I have to pay out of pocket. I wonder if I can get a new door for the car from a junk yard. The only thing is that its nigh impossible to find a toyota 2001 camry door specifically. So would a door from a different type of car fit mine?
And is there a cheap way of going about this? Any tips or advise? Im one of those people struggling horribly in this lovely USA economy. Go american dollar (not.)
So help me out and ask anything you need to know, okay? Thanks a lot!
(ps. What can I do about the rain getting in my car? I tried a plastic bag, but that ot soaked and spilled lots of water into my car anyway.)
I’ve got a private seller trying to bump up his price because he claims that if he just spent nearly $2k in typical maintenance over book value and if the car got into
a wreck, that the “totaled” value would be greater than “book value”
because he just put all that money into it for routine repairs. He claims the insurance co. WILL pay MORE than book value, under this scenario.
This make no sense to me. If you’re fool enough to put a $3k stereo system and rims into your old $2k valued $hit-box, then a total wreck occurs,… your insurance company is not going to give you more than the book value of the car. CORRECT-O?
I’m not talking about “collector or classic car” insurance now.
My understanding has always been that you can never recover
extra money that you dump into a car, over and above it’s
book value.
Greetings Vipassan…
All that which you’ve said is news to me.
Tell me, have you ever gotten paid more than the book value on any
of your previous cars?
Because now I’m very curious to know if you ever faced that that actual scenario for real,…
OR if this is just a line of BS that your insurance broker is feeding you,..
just to get YOUR MONEY & buy a policy from him!!
In other words, any proof that they will
actually pay more than book value?
>>As one final note, though….ultimately >>the sales price is decided by the >>seller. If he feels it’s now worth a lot >>more than it really is…that’s still his >>perogative, and while he’s wrong on >>his reasoning, he’s not “wrong” on >>his price.
>>So…it’d likely be fruitless to tell him >>that he’s wrong, since it’s unlikely that >>he’ll change his price regardless.
Vipassan, it might also be that he is trying to trick buyers into thinking that
his car is worth more money. Falsely justifying a higher asking price.
Chuckles
Thanks, I apreciate the warning but I think the seller knows EXACTLY what he’s doing.
It’s a trick to make sellers think that
recent maintenance costs can be
declared and collected on, and I had a suspicion that this was BS.
Vipassan,
usaa? who is their underwriter?
I’ve never heard of this Ins co.
I hope they weren’t lying to you.
It sounds too good to be true.
Firebird,
>>Decide what the car is worth to you >>and either buy it or don’t. If you’re >>buying the car specifically to crash it >>for insurance fraud, then naturally you >>wouln’t want to use this strategy. >>Book value is what you need to look >>at.
I really don’t see that you attempted to
answer the question. The seller thinks
people are stupid enough to believe
his B$ about the car being worth more
than book, because he recently did
NEEDED repairs costing about $2k.
We KNOW the real book value.
That’s not the problem!
