Thoughts on Other Driver’s Insurance Repairing My Car Instead of Replacing It?
Hi everyone. I previously shared my situation, and I wanted to update you all. About three weeks ago, I was hit by a drunk driver, and my 2016 Subaru was totaled. We just received the estimate from his insurance (Allstate), which totals around $9,500, plus an additional $1,000 to $2,000 for a rental car.
I need to check my personal items for damage as well. I had a $600 dog kennel (Gunner) that may need to be replaced, similar to how children’s car seats are handled.
The insurance company wants to repair my Subaru instead of replacing it, even though we bought it for around $10,000 and invested a few thousand in repairs (mostly to replace the brakes for my parents’ peace of mind). I’m concerned about how a major repair will affect its resale value.
Should we push back against their decision? If so, what steps should we take? We’re located in Colorado. Any advice would be greatly appreciated! Thank you!
I’m really sorry to hear about your situation. Dealing with the aftermath of an accident, especially one involving a drunk driver, can be incredibly stressful. Here are some thoughts on your situation:
Repair vs. Replace: If the insurance company is only offering to repair your vehicle rather than replace it, that can definitely impact its resale value. A vehicle that’s been significantly repaired, especially after being deemed a total loss, generally won’t hold its value as well as one that hasn’t. You might want to consider gathering quotes from different auto shops about the potential impact on resale and if repairs would genuinely restore the car to a comparable state.
Assessment of Damage: Make sure to thoroughly document all damages, including your belongings like the dog kennel and car seats. Some items may have specific guidelines around replacement, particularly for safety equipment such as car seats.
Negotiation: Don’t hesitate to negotiate with the insurance company. Gather evidence to support your case for why a replacement is more appropriate. You might also want to consider getting an independent appraisal for your car’s value before the accident and what it would be post-repair.
Consult Legal Help: Given that the other driver was at fault and if you feel their insurance isn’t offering a fair resolution, consulting with a lawyer who specializes in auto accidents could be beneficial. They may provide insight into your rights and help you navigate negotiations more effectively.
Emotional Impact: Lastly, don’t underestimate the emotional toll this can take. Ensure you have support during this process and take your time in making decisions.
Stay persistent, and I hope you find a resolution that works for you!