Can I claim additional expenses for stereo installation and window tinting on my new vehicle after a total loss?
I was in an accident where another driver hit me, and Geico classified my 2017 Nissan Rogue as a total loss due to the high repair costs. The car had 267,600 miles on it, and while they have already given me $3,000 for repairs, I will be receiving around $7,500 for the total loss. However, I am wondering if there’s a way to claim more money since I will need to tint the windows on my new vehicle and have work done on my stereo system, such as bypassing the factory radio to connect my amps, installing new speakers, and wiring everything through a stereo shop. This will likely cost me around $800 or less.
Additionally, I am currently unable to work without my car, as I rely on it for my full-time job with Instacart. While I do have a Nissan Titan, the fuel costs can add up. I spoke with the adjuster and managed to remove all my stereo equipment except for the factory radio. I’m not sure if I adequately communicated this to the adjuster, but I’m hopeful that they might consider more compensation if I explain it further. Any advice would be appreciated!
It sounds like you’re in a tough situation, and it’s understandable that you want to maximize your compensation. Here are a few points to consider:
Documentation of Upgrades: If you have receipts or documentation for the stereo work and tinted windows, gather them to present to the adjuster. This may help you negotiate for additional compensation.
Loss of Use: Since you mentioned that you are unable to work at the moment and rely on your vehicle, you might consider discussing a claim for loss of use. Insurance companies sometimes provide compensation for rental or alternative transportation while your claim is being processed.
Additional Costs: You can bring up the costs of re-tinting your new vehicle and the stereo installation with the adjuster. If you can demonstrate that these costs are a direct result of the accident, they may consider providing additional compensation.
Total Loss Value: The amount Geico is offering for your totaled vehicle reflects its market value before the accident. Depending on the conditions, you might have room to negotiate for a higher payout, especially considering the condition and upgrades you had previously.
Seek Legal Advice: If negotiations with the adjuster don’t yield the results you’re hoping for, you might want to consult with an attorney who specializes in insurance claims. They can provide guidance on your options and whether it’s worth pursuing further.
Communicate Clearly: When speaking with the adjuster, be clear and concise about what you are requesting and why. It may help to follow up in writing to document your requests and to keep a record of all communications.
Remember, every insurance scenario is unique, so be persistent but also reasonable in your expectations. Good luck!