My 2014 Audi S5 with a manual transmission was recently side-swiped, and my insurance company has deemed it a total loss (I’m in Pennsylvania). They sent a preliminary adjuster to assess the damage, who concluded that the repair costs were too high to justify fixing it.
However, I’ve received estimates from reputable repair shops indicating that the car is salvageable. Even if they valued it at the low end of $18K and considered that 70% of its total value, I’d still be okay. I want to keep this car because I know it inside and out, and my best friend is my mechanic. With access to all the right OEM parts, I can ensure everything is restored to perfect mechanical condition. The primary repairs needed are a spindle and two control arms—though the control arms are simply precautionary. The remaining damage is mainly cosmetic, and I’ve received estimates showing I’m well within that 70% threshold.
The insurance company claims my vehicle is worth $20K, but for my calculations, I’m using a worst-case scenario of $18K. I would like to avoid a salvage title at all costs. What steps can I take to prevent that? I’m open to consulting with an attorney if necessary, but I really don’t want to lose this car. Any advice would be greatly appreciated. Can I negotiate with the insurance company? Should I mention the possibility of involving an attorney, or is that counterproductive?
This car is 11 years old but has barely seen winter and is in excellent condition, with 90K miles mostly from highway driving. Finding a replacement that has a 6-speed manual has proven difficult. I’m even willing to pay out of pocket for some of the repairs. Thanks in advance for any help!
It sounds like you’re facing a challenging situation, but it’s great to hear you have a strong connection to your Audi S5 and are willing to put in the effort to keep it. Here are some steps you can take to negotiate with your insurance company and potentially avoid a salvage title:
Gather Documentation: Collect all relevant documents, including repair estimates from reputable shops, photos of the damage, and any records that showcase the car’s condition (maintenance records, etc.). This documentation will help you make your case.
Understand the Total Loss Threshold: In Pennsylvania, insurance companies typically declare a vehicle a total loss when repair costs exceed a certain percentage of the vehicle’s value (commonly around 70%). Your goal is to demonstrate that repairs fall below this threshold or that the repairable value is higher than what’s been assessed.
Negotiate with the Insurance Company: Contact your insurance adjuster and present your estimates and documentation. Emphasize the value of your car to you, its condition, and the fact that you have all OE parts available through your mechanic friend. Be polite but firm in your discussions.
Consider an Appraisal: If negotiations stall, you might consider hiring an independent appraiser to determine your car’s pre-accident value. This can provide you with additional leverage when discussing with your insurer.
Explore Options for a Rebuilt Title: If it ultimately comes down to a salvage title, inquire about the process for obtaining a rebuilt title in Pennsylvania. This might allow you to keep the car after repairs are made and potentially drive it legally again.
Seek Legal Advice: If negotiations with the insurance company do not go well, it may be wise to consult with an attorney who specializes in insurance claims. They can provide you with the best advice tailored to your specific situation.
Be Willing to Compromise: If you’re open to it, consider how much you’re willing to pay out of pocket for repairs. Presenting an offer to split the costs with the insurance company could be beneficial.
Follow Up Regularly: Stay persistent and follow up regularly with your insurance company. Sometimes, simply being attentive and persistent can help move the process along.
Ultimately, your strong attachment to the vehicle and your knowledge of its condition will be important assets in this negotiation. Good luck, and hopefully, you can keep your Audi on the road!