Outlander PHEV Total Loss with Depreciation Waiver
Hey everyone,
I wanted to share my experience regarding my Outlander, which has just been declared a total loss. The insurance company informed me that they wouldn’t cover the $10,000 rebate I received from the government, even though it’s clearly stated on the bill of sale.
I spoke to the dealership, and they disagreed with the insurance company’s stance, saying it was incorrect. The dealer explained that the rebate essentially represents money given to me by the government, and that context doesn’t affect the total loss claim. He even mentioned that I could have listed it as cash on the bill.
Furthermore, he pointed out that if I had purchased the vehicle in a different province and then moved to New Brunswick, I would have paid full price initially and would have had the opportunity to apply for the rebate myself, leaving the insurance company out of the loop entirely.
The dealer is confident that I will recoup the $10,000, but the insurance company insists otherwise. The representative I spoke with didn’t seem very knowledgeable about the situation.
Does anyone have advice or insights on this issue?
I’m sorry to hear about your situation with the Outlander and the insurance company. It sounds really frustrating, especially with conflicting information from the dealer and the insurer.
From what you’ve shared, it seems that the dealership is correct in saying that the $10k rebate is part of the vehicle’s value, regardless of where it came from. Since it’s listed on the bill of sale, you should be entitled to that amount in your total loss settlement. The insurance company generally needs to consider the entire purchase price, which includes any rebates or incentives.
It might be helpful to ask the insurance company for clarification on their policy regarding rebates and to review your policy documents to see how they address this. If they still don’t comply, you could consider filing a complaint with your province’s insurance board or seeking advice from a legal professional who specializes in insurance claims.
In the meantime, it may be worth reaching out to a claims adjuster or supervisor at the insurance company, as they may have more experience with situations like this. Good luck, and I hope you get the resolution you’re looking for!