Comprehensive and Collision claims

Published May 12, 2011   

By NJPhill

I just had an adjuster come out and look at my car a few days ago due to a storm and lots of hail damage. He did the claim and gave us an estimate that was well over $9000 worth of damage. So, that claim has been done. Then, I go grocery shopping a few days later and someone backs into my car while I'm in the store, doesn't come back in the store or anything to report it but apparently just leaves the scene. So, when I file that claim to have my car fixed all together, will the insurance company add both amounts together to see if it will be totaled? The guy that came out said it didn't like much more and it would have been totaled anyway. :( And if it is, how do we go about getting it back if we somehow can afford to get it fixed afterward?
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1 Comment
lucygoose on Jul 15, 2011   08:49 AM

I think you'll have to talk to your insurance agent about what the total cost to fix would be, whether it's worth it, and what your options are.

"Totalled" jusst means that the cost of fixing the car is more than the cost to replace the car, so it makes sense to just buy a new one. When my car was totalled a few years ago, the insurance company figured out what the car was probably worth, gave me a check for that, took the car, and told me to come back if I couldn't find a similar car for that amount of money. I used that money, plus some savings, to upgrade to a newer car. Not sure why you'd want to keep your car and get it fixed if it's going to cost more than getting a new one. Not sure what your options are if you want to keep the car, but I think once you turn it over and take the check there's no going back. At least my old friend went directly from the adjustor's office to the wrecking yard.

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