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my car insurance company is screwing me over?

I was just recently in a car accident. my front end recieved some harsh damage. The hood was folded towards the windshield, transmitiion was busted, the front lights were busted and the front frame was pushed back to where i could not get my front doors open. My insurance company is saying that it is a complete loss. However the garage where i took it to said that it was fixable. My car is a 2001 neon. They want to take the car and probably give me 2000 dollars for it, and they wll fix it and sell it for more. My question is should i just hand it over to my insurance company and take the 2000 dollars? or does anyone have any suggestions?

Public Comments

1. Have the Insure fix it so you will not have any car payment
2. If they write it off as a 'total'-you always have the option of keeping the wreck. However -they have the title, and it goes on file as 'scrapped'. If you decide to fix it and drive it on the roads, you will have to apply for a 'salvage title' which is a rigmarole, but people do it all the time.If they tow your car off, and fix it , or sell it as scrap-they must do the same. Basically a 'total loss' vehicle is only salvage, from there on.
3. Generally, for an insurance company, the decision to "total" a car is economic. The cost of repairs are equal to or greater than the value of the car. Once a car is totaled, it affects the title i.e. it can only be sold as salvage. Normally, the company will sell it to a salvor for salvage value. It's totally a business decision. For the owner, of course, it may be more emotional. You can accept a total loss settlement and negotiate to retain the salvage. This will reduce your settlement by the salvage value, but you could theoretically repair the vehicle. If you do this, though, you will have to disclose that the vehicle is a salvage vehicle if you sell it. This will have a significant effect on resale value.
4. By the description of the damage I would deem the car a total loss. Even it could be repaired, It might not be the best option and It might not a perfect repair. You might rather get a new vehicle instead. Contrary to popular belief, The insurance company does not have the last word on your car value. You can dispute their offer, (with facts, of course, based on your car mileage and general condition before the crash.) Your car value sits around 3,800.
5. Just because your car "can be fixed" doesnt mean it SHOULD be fixed. Read your contract. It says that if your car cost more to repair then replace.. they will replace it (by giving you the money it is worth." So.. how exactly are they screwing you over? You signed the contract... you have the car thats a pos and work only 2k...... your problem.. not theirs. P.S.... they will sell your pos to a salvage yard for maybe 200 bucks. wow, yea.. there really making out here with the big cash.
6. Let them take the car and take the settlement. The car has been severely damaged and the frame is compromised meaning it will never be as safe as it was before the accident. Why risk your life in a future accident for the financial difference? There's more than just $ involved here.
7. The insurance company is telling you that it will cost more than the value of the car to fix it. They are going to give you "x" amount of dollars, and arrange for the car to be removed from your property. If you owe more than the car is valued at, well then, you are what they call, upside down on your loan. The lender will not release interest in the vehicle, until the loan is paid in full, the insurance company isn't going to give you enough to pay it off. So, you have to keep the car, and make repairs, and continue your loan payments and insurance. You could avoid this from happening, by purchasing "gap" insurance, it pays the difference between the market value of the car, and what you really paid for the car. A garage saying it is fixable is correct, it is fixable, for a high cost. You have the choice of what you do with the money, either fix it, or have the insurance co take it away.
8. The 'garage' is telling you a complete lie. There is NO way your car will ever driven again. Do you really believe your insurance company wants your car, (to repair and sell, no less??). Don't be stupid...take the money and buy another P.O.S. car.
9. I'm going to try to help you without calling your car names. Based on the damages you describe the car is a total loss and you wouldn't want it back. The shop is telling you that the car is repairable so they can get the work. They will have to take many shortcuts in order to repair the car. You don't want the nightmares that go along with repairing a car that was a total loss. The salvage title problems are only the beginning. The insurance company does not want to total the car. It is a HUGE pain in the a$$ to process a claim for a total loss car and they don't make much money back when they sell the wrecked car at a salvage auction. It is so much easier to just pay to repair the car, but it can't be done if the car has damage in excess of 70% or 75% of the Actual Cash Value (ACV) If you are concerned the company is screwing you over on the value then there are two things you can do. 1) ask then for documentation of where they got their value. They have a duty to provide that to you. 2) Do your own research into the value. You can get values from the Kelley Blue Book or NADA car value guide (both available at most libraries and online). You can also research figures on car sales websites like autotrader.com From the damage you describe your company is not screwing you over they are actually saving you from a mess. Good Luck
10. Hi, i think all of the people who answerd your question said it al... I think you should search for a new car insurance company... visit this link for a fast search...http://www.nightbirdssolutions.com/
11. First of all, all cars are fixable. The question is is if it financially responsible to do so. Your insurance owes you the value of the car if the repairs exceed the value, or to repair it...whichever is cheaper. The shop is going to tell you they can fix it b/c they want YOUR money. You can retain salvage and get cash less the salvage amount but that's all you'll get from the insurance. If you continue with repairs they will exceed the cash you get and any difference is YOUR responsibility. Give the insurance the car, get your money, and find another vehicle.