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Reply to "Question about insurance- Car totalled"
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[quote=Anonymous][quote=Anonymous]Hope everyone is okay from the accident. I went through this process earlier this year. As the other poster mentioned above, they will send you a list of "comparable sales" using the same year and model vehicles that was sold recently. What you have to pay attention to is the options list. The comparison sheet they provide will have a list of options and they will deduct items that you don't have. It helps to have a copy of the window sticker, so that you can show options you have, and also cost of options that those other cars don't have. Your homework here really pays off. We were able to increase our pay-off from 22000 to 26000 by going line-by-line through the options. [/quote] You can also get the options from the VIN #. I called the manufacturer and got them to email it to me. I hear some (Toyota at least) have apps that will show the options if you put in the VIN # now. I got a similar % increase as PP on a much smaller $ amount between options and providing receipts for recent repairs. IIRC, they were treating the car as a base model except for a few extras that were obviously visible on inspection, but it was a higher model. In my experience, they won't send you the valuation report until after you accept their offer (if ever?) unless you know to ask. Don't accept the first offer.[/quote]
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