Both cars totaled - dealing with insurance
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Anonymous
| We had massive trees fall on our cars in a storm and both cars are totaled. Any tips for getting the most money from our insurance company? Not excited about having to buy a car in the environment with prices as high as they are. Thanks! |
Anonymous
| No, just know you probably won’t get replacement value. |
Anonymous
Sadly no. You never get as much as you need to identically replace 
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Anonymous
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I just had a new car totaled and geico was very fair. They pull three comps to your current car and adjust those prices based on features. I think that’s where you could have some wiggle room- making sure they are taking into account all of the features of your car and the comps.
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Anonymous
| straight math for them since no thrid party involved. and, yes, you will be shortchanged. |
Anonymous
| We got above blue book on our 3 year old Tiguan in a similar situation. Carvana was better than insurance. |
Anonymous
They bought your totaled car? |
Anonymous
Yup. Very possible the parts in yours are worth a lot right now especially. Supply chain has made finding them very hard for many dealerships and shops. |
Anonymous
| Ask the insurance company for their market analysis for estimating the cost of your car. Challenge them on the examples they use from local dealers and how they adjust for making the cars "similar" to yours. Fight them on condition (your cars are super clean) and provide documentation of any recent work done that makes them more valuable (new tires, new exhaust, tow hitch added). |
Anonymous
| Glad nobody was hurt! We had the same thing happen nearly 10 years ago and State Farm was great. We had a check within a week that covered the cost of replacing both cars. We've since switched to GEICO because our State Farm agent died and we didn't like the new agent. So far, GEICO has been pretty good . . . but we haven't had another major claim like that one. |