Car is a total loss and need a new one before rental expires

[Anonymous]

Anonymous wrote:Call your company now. You should have done that or at least asked someone for advice.
It will not raise your rates if other car at fault.
I got mine to get me extra for new set of Michelin and a new battery when mine was totaled by a red light runner. They negotiate with each other for a living.

Rates background

https://www.caranddriver.com/car-insurance/a36331303/will-my-insurance-go-up-if-someone-hits-me/

[Anonymous]

Anonymous wrote:I don’t understand why you would be talking to their insurance at all, shouldn’t it be your insurance? And then they can duke it out with the other company or whatever. I don’t think you’re supposed to be involved with that.

If you even mention it to your insurance it gets logged in your CLUE report which means future insurers will see it if you want to shop around. They may use it against you and charge a higher premium. Its better if the other drivers insurance accepts responsibility and pays a fair amount and bypassing your insurance completely. Obviously if its not that smooth then you have to get yours involved

[Anonymous]

Anonymous wrote:But the insurance did end up upping the value to $6,900 but then taking off $850 and not counting the maintenance or the tires installed and maintained recently. Instead they dinged it as needing work even though they were maintenance to better the car.

They will never count that. No insurance will cover those OP.

[Anonymous]

I know this is not fair at all, but an insurance adjuster once told me that new tires or maintenance do not add any value to a car.

[Anonymous]

What state OP? In Virginia NADA is used.

If you don’t want to settle your choices are:

-pay an independent adjuster for an appraisal
- do your own research within a set radius of vehicles SOLD that are nearly identical to yours