Can I claim additional funds for stereo work and window tinting on my new vehicle after a total loss?
Another driver hit me, and Geico declared my car—a 2017 Nissan Rogue with 267,600 miles—a total loss due to repair costs being too high. They’ve already paid me $3,000 for repairs, and now I’ll receive around $7,500 for the total loss. I’m wondering if there’s any way to get more money from my claim since I’ll need to re-tint the windows and have stereo work done on my new vehicle. This includes bypassing the stock OEM radio to work with my amps, subwoofers, and installing speakers, which will cost me around $800.
Additionally, I’m currently unable to work because I rely on my car daily for my full-time job with Instacart. Although I do have a Nissan Titan, the gas expenses can add up quickly. I’ve spoken to the adjuster and managed to remove all my stereo equipment except for the factory radio. I’m not sure if I clearly communicated this to the adjuster, but I’m hoping they might consider paying me additional funds.
It sounds like you’re in a tough situation, and it’s understandable to want to maximize your claim. Here are a few steps you might consider:
Document Everything: Make sure you have receipts or documentation for any modifications made to your Nissan Rogue, including the stereo work and window tinting. This will help support your claim for those costs.
Communicate with the Adjuster: If you haven’t already, explain the situation to your adjuster clearly. Let them know about the stereo and tinting, indicating that you had invested in these items and will need to replace them. It’s worth checking if they have policies for covering aftermarket modifications.
Loss of Use Claim: Since you depend on your vehicle for your job, you may want to inquire about a loss of use claim. This could help cover some costs while you’re without a vehicle.
Total Loss Settlement: Understand how the total loss settlement is calculated. In some cases, you may be entitled to compensation based on the fair market value of similar vehicles, which might be more than the offer you received.
Negotiate: Be prepared to negotiate. If you believe the compensation doesn’t cover your replacement costs or reflects the value of your modifications adequately, you can present your case and negotiate for a higher amount.
Seek Professional Help: If you’re having difficulty getting a fair offer, you might consider hiring a public adjuster or attorney who specializes in auto claims. They can provide insights and guidance on how to approach the situation.
Ultimately, staying organized and persistent is key. Good luck, and I hope you’re able to resolve this situation to your satisfaction!