DH stopped for a pedestrian and got rear-ended

[Anonymous]

You could have asked for the valuation report and make sure they valued all the options including any recent repairs (submit receipts). Manufacturer might be able to provide you a report of original options based on the VIN number. I know Toyota can. Then keep calling them until they account for everything.

[Anonymous]

I think backup camera's are standard on most cars now, starting with 2014 cars.

The OP needs to answer the question of whether the rear ender has insurance or not.

[Anonymous]

I don't understand why OP thinks she's entitled to a 2013 or later car when their previous car was a 2011. WTF

[Anonymous]

Anonymous wrote:I don't understand why OP thinks she's entitled to a 2013 or later car when their previous car was a 2011. WTF

This.

[Anonymous]

It is pretty easy to find a 2011 Hyundai elantra (I assume that is the model) for less than $9200. That would make you whole; it would replace the care that was totaled with a similar car.

Your car was not the 4 yr old car it was when you bought it; it is a six year old car.

As an extreme example, imagine, in 1999, you bought a loaded 2000 honda accord for 23000. In 2014, it is totaled. Insurance will not replace it is a 2014 Accord, but rather give the money for a 2000 honda accord which is much less.

[Anonymous]

Anonymous wrote:It is pretty easy to find a 2011 Hyundai elantra (I assume that is the model) for less than $9200. That would make you whole; it would replace the care that was totaled with a similar car.

Your car was not the 4 yr old car it was when you bought it; it is a six year old car.

As an extreme example, imagine, in 1999, you bought a loaded 2000 honda accord for 23000. In 2014, it is totaled. Insurance will not replace it is a 2014 Accord, but rather give the money for a 2000 honda accord which is much less.

pp here. Here is another example: in rare cases, cars can appreciate. in 2001 (post 9/11), we bought a 2001 SAAB station wagon at a great price -- almost 10K below MSRP, or 25% below MSRP. At that moment, there were huge incentives -- post 9/11 people were not buying cars. Heck, we wouldn't, except we had a baby coming. 6 months later, a car blows through a red light doing 70, t-bones the car, and totals it. Insurance gave us what it would cost to buy a 2001 SAAB 9-5 SE. The deals were over then, and it would cost us much more than we paid to replace the car. Insurance did not look at our costs. Rather, they looked at the replacement cost, and we walked away with a 6K profit. (we moved to a minivan and pocketed the difference).

[Anonymous]

Anonymous wrote:OP here.

Adding more details ..

We purchased DH's 2011 Hyundai in 2015 for 15k.
We went through our insurance- State Farm.
Our deductible is $250.
The estimate for repair for the accident was 8k. They offered us $9,200 which was a bit higher than the blue book value. The options were to take the $9200 or if we decide to repair the car, we'd have to get a salvage title.
The salvage title will cost 2k so we'd walk away with $7,200 plus we'd have to pay the 8k to repair the car. We decided to take the $9,200.

We looked for a used car as a replacement. To get a 4-year old car now, which would be a 2013 Hyundai, would cost us about $16k. Basic, cloth seats, no sunroof. Only thing that is a must is a back up camera like in the old car. If we only spent the $9,200, we'd get a 2009 Sentra, a smaller car with no back up camera, which would be a downgrade from his old car.

It's hard to wrap our heads around getting his car totaled in an accident where he's not at fault. He stopped for pedestrians and it's going to cost us a lot out of pocket.
What could have put us in a better situation, if anything?

Similar story here. Our car got hit from behind by someone who was on their cellphone. We were stopped at a traffic lights that. We could not get a salvage title because the damage was too bad. There isn't anything you can do besides trying to salvage the vehicle or buying a new car. You got the value of the asset that was destroyed. Unfortunately, for most of us, our cars have more value to us than they are worth. Sorry.

[Anonymous]

Is there still a lien on the car, OP?

[Anonymous]

Anonymous wrote:

Anonymous wrote:I'm really shocked at how many people don't know how insurance works.

+1

+2

Bottom line, OP. You had a car, valued at around $9000 that was destroyed.
Your insurance is giving you the money (I am assuming that they will get reimbursed the money from the insurance company of the person that hit you).
You cannot possibly expect to get a new, or even used car, valued higher to replace the one you had.
I know it is a pain - it recently happened to us as well.
This is life.

[Anonymous]

Did you post before OP?

Your post sounds oddly similar to another post awhile back about your DH getting rear-ended, how the car was deemed totaled, how the replacement value didn't match what you needed to purchase, etc.
Is that you again?

[Anonymous]

Anonymous wrote:

Anonymous wrote:I don't understand why OP thinks she's entitled to a 2013 or later car when their previous car was a 2011. WTF

This.

Agree 100%

[Anonymous]

Anonymous wrote:Did you post before OP?

Your post sounds oddly similar to another post awhile back about your DH getting rear-ended, how the car was deemed totaled, how the replacement value didn't match what you needed to purchase, etc.
Is that you again?

Oh I remember this! The two do sound familiar.

[Anonymous]

Would have cost more if your husband didn't stop and ran over the pedestrian.

[Anonymous]

Anonymous wrote:OP here.

Adding more details ..

We purchased DH's 2011 Hyundai in 2015 for 15k.
We went through our insurance- State Farm.
Our deductible is $250.
The estimate for repair for the accident was 8k. They offered us $9,200 which was a bit higher than the blue book value. The options were to take the $9200 or if we decide to repair the car, we'd have to get a salvage title.
The salvage title will cost 2k so we'd walk away with $7,200 plus we'd have to pay the 8k to repair the car. We decided to take the $9,200.

We looked for a used car as a replacement. To get a 4-year old car now, which would be a 2013 Hyundai, would cost us about $16k. Basic, cloth seats, no sunroof. Only thing that is a must is a back up camera like in the old car. If we only spent the $9,200, we'd get a 2009 Sentra, a smaller car with no back up camera, which would be a downgrade from his old car.

It's hard to wrap our heads around getting his car totaled in an accident where he's not at fault. He stopped for pedestrians and it's going to cost us a lot out of pocket.
What could have put us in a better situation, if anything?

Fascinating thread:

1. Incoherent summary of 'facts'
2. Disbelief that insurance does not protect you from any and all possibilities, and that misfortune in life might cost you money
3. Desire to replace the car not with the same make/model/age, but a better one, because that's what it was like last time
4. No basic understanding that your car was worth less after driving it 2 - 3 years than when you bought it
5. Repeating that it happened because you 'stopped for a pedestrian', which you are required by law to do. Better to have run them down?

Millennial I'm guessing? Sorry snowflake, life sometimes throws you curves and there is no one to blame or have pay for it.

[Anonymous]

Anonymous wrote:I don't understand why OP thinks she's entitled to a 2013 or later car when their previous car was a 2011. WTF

+1

OP, 2016 Hyundais are on special now for less than $16k. Not sure why anyone would pay that much for one that's used.