I think my Yukon was totaled this morning...

In reply to Fueled by Caffeine :

I’ve been told by independent sources that this should be easier because we both have the same insurance.

The “other sides’” adjuster told me on the phone that his “side” admits full fault.

ebonyandivory said:

In reply to Fueled by Caffeine :

I’ve been told by independent sources that this should be easier because we both have the same insurance.

The “other sides’” adjuster told me on the phone that his “side” admits full fault.

I don't doubt that given Massachusetts being a true No Fault state and the relatively low property damages and medical injuries.  Really becomes a moot point.  Might be a different story if there were serious injuries as defined by statute (broken bones, disfigurement, etc).  It's going to work out fine.  No big windfall but you likely will be made whole.

In reply to dean1484 :

So I called my insurance agent and she looked up my policy on the Yukon. She said my policy covers collision on the rental “you’re all set”.

Ovid_and_Flem said:

ebonyandivory said:

In reply to Fueled by Caffeine :

I’ve been told by independent sources that this should be easier because we both have the same insurance.

The “other sides’” adjuster told me on the phone that his “side” admits full fault.

I don't doubt that given Massachusetts being a true No Fault state and the relatively low property damages and medical injuries.  Really becomes a moot point.  Might be a different story if there were serious injuries as defined by statute (broken bones, disfigurement, etc).  It's going to work out fine.  No big windfall but you likely will be made whole.

I agree (what is this world coming to...plaintiff attorney and insurance on the same page...LOL), especially if you have COLL coverage on your truck.  In that case, they're paying the claim either way.  The only difference is who's policy it's being paid out of.  They can and will sort that out internally...and that can matter because the policyholder may get mad.

Ok...enough about insurance law and public policy.  Let's guess final settlement.

I say $3250 + salvage 

4500 before 600 buyback.  So you get $3900 and an lq4 donor.

It’s got New England rust. I’m 50/50 on totaling vs fixing because even though the Honda was demolished, he somehow missed the rear hatch entirely. So, if it’s totaled, I’m saying $3000 even.

Anyone else?

ebonyandivory said:

In reply to dean1484 :

So I called my insurance agent and she looked up my policy on the Yukon. She said my policy covers collision on the rental “you’re all set”.

Looks like I will be delivering a 6 pack. 

I am glad you sorted that.  With my accident it soured the whole process.

I was going to go closer to 5K but these are the numbers NADA ame up with

From NADA

Rough Trad in $3,775

Average Trade in $5,200

Clean Trade in $6,400

Clean Retail  $9,100

So Hummmmmm  there is a big gap between trad in and retail.  Maybe they go 7500??  I really have no clue on this one.

dean1484 said:

ebonyandivory said:

In reply to dean1484 :

So I called my insurance agent and she looked up my policy on the Yukon. She said my policy covers collision on the rental “you’re all set”.

Looks like I will be delivering a 6 pack. 

I am glad you sorted that.  With my accident it soured the whole process.

If I had to pay you for your advice here and in my house/car collision thread I’d owe you more than a six-pack!

I don't know if this will work BUT

This is what Carguru has

ebonyandivory said:

dean1484 said:

ebonyandivory said:

In reply to dean1484 :

So I called my insurance agent and she looked up my policy on the Yukon. She said my policy covers collision on the rental “you’re all set”.

Looks like I will be delivering a 6 pack. 

I am glad you sorted that.  With my accident it soured the whole process.

If I had to pay you for your advice here and in my house/car collision thread I’d owe you more than a six-pack!

Ya but then I get to help you drink it.  

I'll go $5200 + $600 salvage value. 

It’s officially totaled!!!

Now I’ve been told that after we agree on a payout I’ll be scrambling to find a replacement. That my rental will only cover perhaps three days. So I’ll either have to pay $30/day for a rental  until I either find a truck or go grab a truck that I’m rushed into.

Is this really I thing: You’re stopped in traffic, a guy smashes into and totals your car and you now have approximately 3 days to replace it or start paying over $200 per week until you find a suitable USED  vehicle to replace it?

My friends car was totaled in a hit and run, guy who hit it turned himself in the next day. They gave him a rental until the check arrived and 3 days after. Was a mess trying to find something in his price range that quick as it was his only vehicle.