Can I receive additional compensation beyond the total loss payout for stereo work and window tinting on my new vehicle? Another driver hit my car, and Geico declared my vehicle a total loss because the repair costs were too high. I had a 2017 Nissan Rogue with 267,600 miles, and they have already compensated me $3,000 for repairs. Now that they’ve deemed it a total loss, I’m set to receive around $7,500.
I’m looking for ways to claim extra money since I will need to get my windows tinted again on my new car, as well as perform stereo upgrades, like bypassing the stock OEM radio to connect my amps and subwoofers, and install new speakers. This stereo work will cost me around $800 or so, and I depend on my car for my job with Instacart. Although I have a Nissan Titan, the gas expenses can add up quickly.
I spoke with the adjuster and managed to remove all my stereo equipment except for the factory radio. I’m not sure if I effectively communicated all of this to the adjuster, but I’m curious if there’s any chance I can receive additional compensation for these expenses.
It sounds like you’re going through a tough situation with your vehicle and the accident. When it comes to insurance claims, especially with a total loss, there are a few things to consider regarding additional expenses like stereo work and window tinting. Here are some steps you might take:
Document Everything: Gather all your receipts, invoices, and estimates for the stereo installation and window tinting. Having clear documentation will help support your claim for additional costs.
Communicate with the Adjuster: It’s important to explain your situation thoroughly to the adjuster. Let them know about the expenses you’ve incurred or will incur for re-tinting your new vehicle and the stereo setup. Make sure they understand that these modifications were important to you and were part of the total loss.
Replacement Costs: Insurance companies typically compensate for the fair market value of your totaled vehicle, but they may also cover some costs for additional equipment or alterations if you can justify them. If you can show that you had those modifications in the vehicle and that replacing them is necessary, it may help your case.
Work-Related Expenses: Since you depend on your car for work, you might also want to discuss any potential loss of income due to your inability to work while waiting for a replacement vehicle. Sometimes insurance can cover a portion of lost income, but this varies by policy.
Consult an Attorney or Expert: If you’re having trouble getting additional compensation or if you feel that your claim wasn’t handled properly, it might be beneficial to consult with an attorney who specializes in insurance claims. They can provide guidance on the best course of action.
Follow Up: Keep the communication lines open with your insurance company and follow up regularly to check the status of your claim.
Often, every situation is unique, and the response can depend on your specific policy details, the extent of your losses, and the insurance company’s rules. Good luck, and I hope you’re able to get the compensation you need to move forward!