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Reply to "Accident: totaled decision & new car timing "
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[quote=Anonymous]Update: After initial review and then disassembly, the auto shop estimate was right at the threshold for total loss (per the shop, and was listed as such on the repair estimate). Apparently insurance approved repair directly with the shop (shop said they reached out to me, but I have no VMs or missed calls). [Just noting as I have no idea what standard procedure is.] I’m thankful we don’t have to rush into a buying a new car; however, I’m assuming this means the value of the car will be pretty low at this point. (Replacement had been on our radar within the next year.) It seems like trying to do a diminished value claim isn’t worth the effort given the age and mileage…anything I’m missing? Also, our insurance policy is just about to renew (though we paid already)…I’m guessing I’ll need to call to try to get the rate adjusted down for the damaged car and they won’t proactively refund me based on the car’s lower value?[/quote]
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