 I lost my diamond necklace and need some advice. HELP!? |
I could just ughhhh!! Now I'm planning on getting a new one. But I'd like to insure it. How does that work and what if I lost it AGAIN?
Do they cover loss also? I am so dumb lol.... |
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| Alright, so I am covered under my dads company insurance for health and dental. He has insurance by Aetna, and I was planning on moving out soon. So, I was wondering, if I go to school full time at ... |
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| I started my whole life plan about 10 month ago, paying >300 a month. I am now kind of rethinking what I am doing, feels that really does not worth it. Should I just stop the plan and lose the ... |
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 Lightly Rear-ended at stoplight, had kid's carseats in car do I need to replace them |
| I was hit by a driver going only about 10 miles an hour, no damage done to the back of my car, but I did have my kid's car seats in my car (they were in them) and I cannot find on the net if the ... |
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 Cobra insurance? |
| I left my job several months ago on 5/8/07 because of personal problems with the owner of the business. I told my former employer I wanted to have cobra insurance after I left 2 weeks before my last ... |
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 Insurance Question: What type of life insurance policy should I get? |
| I'm 22 y/o single male with about $100K debt between school loans, car payments and general credit card debt. I make about only about $50K/ yr as of now but I want some sort of policy for my ... |
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| I have worked in customer service for 5 years on the phone. When people call in, they never have their account numbers. They are always on their cell phones driving with their windows down, yelling ... |
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| I want to start selling P&C and life insurance but dont know which companies should i work for. Can someone tell me teh pros and cons? and should i be a broker?... |
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| My daughter is pregnant and is covered under Kaiser through my plan at work. If I assume grandchildren are not covered by my plan at work (I don't want to tell them just yet), will this ... |
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 Wt about jevan anand policy? |
| I want 2 take jevan anand policy i m 24 yr old is it right choice 4 me?... |
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Itisme | How does this work??? |
Ok got into an accident on tuesday and my insurence guy was saying something along the lines of.....if it costs more then 5,000 dollars to fix my car then i can get a new one (cause then it will hurt my re-sale value)....is this true? Can i get a new car? (my car is $11,000, but i only owe $9,000)...I think my car is totaled, my trunk is pretty much up to my back window and my doors are very hard to open (will open when alot of muscle is used) |
 |
 
Chris
 |
Are you sure your car is worth $11,000 or is that what you paid for it? Basically if the cost to repair is more than 75-80% of the Actual Cash Value (ACV) it's a total. Not sure where that "hurting the resale" comment is coming from. Insurance settlements don't usually take that into account.
The settlement won't be about what you owe, it will be about what the vehicle is worth, meaning what you could buy the exact vehicle for in the marketplace. If you choose to get a new car, that's up to you, but obviously the settlement won't be enough to just pay for one outright, but would be a good downpayment provided after your lienholder is paid you get something in your pocket with the differenct. |
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austinguy62
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do you read my previous answer? if it's correct then you may not be getting a new car. |
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Candi S
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YES, it's totalled. Get your insurance money and get a new car. |
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mamatohaley+1
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Chris and mbrcatz17 are correct. Go with their advice |
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The Advocate
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Insurance adjusters and companies go by a "book number" on auto damage. It does not have anything to do with can you drive it still. It is more, how much to fix.
You better hope is is "total loss." They will pay you book value for the car. You may want to check into replacement and you do not have to take their first offer, go to court with them if it is out of line.
One of the biggest social crimes of the century, put a 2 inch scratch on a new car and you are going to lose $2000 or more.
They never get repaired to "like new factory." You almost always lose money unless you fight hard. |
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9buzz
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it is up to the insurance company........if its up to ur window then i think its totalled but i dont really know how bad it looks like.......call your insurance company and tell them then they will get someone to come over and see if its totalled or not. |
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mbrcatz
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I think your insurance guy is dead wrong. If your car is a total loss, WHATEVER that means, you get paid the actual cash value of THAT CAR. It might be $500, it might be $20,000, but NO ONE gets you a new car.
If you have $5,000 of damage on an $11,000 car, it's not totalled.
Get a new insurance guy. |
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