 A car damaged by and Insurance company for me got scratched, The rental company wants me to pay the deductible |
Additional Details
This i swhat I meant, My insuarance company rented a car for me after an accident for the duration that my car will be fix.The rented car got scratched, now the wan ... |
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G | Market value/replacement value of a car.? |
According to various internet sources, my car is worth £2-£2.8k. However, suppose it was written off, it would cost me appx. £3.4k to replace it (have found almost identical car on Auto Trader). In the insurance payout, would I get the market value, or enough to buy the equivalent?
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How do they justify that? Am I seriously supposed to accept a car which is not as good as the one I have now because someone else smashed it up? |
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wintairi
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check Kelly blue book you will get values for fair,good, excellent condition of you car..Do you have pictures,receipts for any repairs,modifications like rims and tires,stereo etc? Any proof of a greater value to your car will be in your best interest..The insurance company usually go off of the kelly blue book to find the value of your car..hope this helps |
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David C
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You have to read the small print on the policy ; it will be in there somewhere. Insurance is a contract of indemnity so they should replace what you have lost. |
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dels replies
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You would usually have to pay some. Insurance pay on market price, not retail Either that or downsize or a bit older car. ..No its not fair. But if you had no insurance you would end up with nothing.. Only way to recuperate your losses is to sue the other driver or their insurance co.. Is your insurer open to negotiation? |
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susan_61264
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Most insurance companies only reimburse you for the market value of the car that was insured. You would have to check your policy. However, there are companies out there now that do offer replacement value coverage but you have to ask for that coverage specifically. |
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ChocLover
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Market value I'm afraid which makes you wonder why we pay insurance in the first place! |
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Steve B
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Open to some negotiation - they usually start by offering Market Value for a 'clean' car = you might get more if you recently had major work done to it (and can show the bills) or can convince them it was exceptionally low mileage / in outstanding good condition. |
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