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Old 01-31-2010, 06:15 PM   #1
hootie
Scooby Newbie
 
Member#: 167045
Join Date: Dec 2007
Chapter/Region: RMIC
Location: Colorado Springs, CO
Vehicle:
2005 Impreza 2.5RS
OBP/WRB

Default Insurance Question!!!

My 2005 RS has been in accidents and some involving major repair work. Now yet again I got hit and though the damage isn't that bad I have many people telling me that I need to total the car because it will not have a resale value. So I guess my question is how can I total that car without commit insurance fraud, because with all the accidents the repairs bills have well surpassed the value of the car.

Thank you for your time. Randy
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Old 01-31-2010, 08:12 PM   #2
toxictv
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Member#: 236116
Join Date: Jan 2010
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You're in Colorado..Hit a patch of ice and run in to a concrete pole. >)

Last edited by toxictv; 01-31-2010 at 09:28 PM.
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Old 02-01-2010, 07:20 AM   #3
kev m
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Member#: 128582
Join Date: Oct 2006
Location: Eastern, PA
Vehicle:
2010 Impreza 2.5 Wgn
2011 Nissan Juke

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Quote:
Originally Posted by hootie View Post
My 2005 RS has been in accidents and some involving major repair work. Now yet again I got hit and though the damage isn't that bad I have many people telling me that I need to total the car because it will not have a resale value. So I guess my question is how can I total that car without commit insurance fraud, because with all the accidents the repairs bills have well surpassed the value of the car.

Thank you for your time. Randy
Well, I do have a problem with the current way the insurance industry acts by making our crash repair history public thus potentially reducing the resale value of our vehicles (which is in direct conflict with the basic concept of the contract between us and the insurance companies which is to "make us whole" again after an accident and a reduction in resale value means that doesn't happen).

HOWEVER my experience over the past almost decade with this shows me the system is pretty flawed and that services like CarFax often do not properly list all insurance repairs on a given vehicle.

Both a Jeep I sold 3 years ago and a Mini Cooper we just traded last month only listed one out of multiple instances that should have come up on the report.

So rather than risk any nefarious insurance actions you might consider just having it fixed and then selling it or trading it.
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Old 02-03-2010, 10:42 AM   #4
rockcas
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Member#: 101382
Join Date: Nov 2005
Chapter/Region: MWSOC
Vehicle:
2005 WRX STI
silver grey metalic

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A car is only considered a total loss in the event that the repairs of the vehicle are more than the value of the car in one accident. It is not the sum of accidents that determines the total loss of your vehicle.
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