Will my insurance total loss the car?
10-20-18, 04:44 PM
#1
Will my insurance total loss the car?
I️ have a 2006 LS430 ultra with 201k with black interior and black exterior. Someone keyed all four doors, both front fenders, front bumper, hood, trunk and the rear quarter panels. I️ still owe the bank and would like to keep the car. Will my insurance total loss the car? I️ don’t have any pictures cuz the camera on my phone is broken.
10-20-18, 06:34 PM
#2
I️ have a 2006 LS430 ultra with 201k with black interior and black exterior. Someone keyed all four doors, both front fenders, front bumper, hood, trunk and the rear quarter panels. I️ still owe the bank and would like to keep the car. Will my insurance total loss the car? I️ don’t have any pictures cuz the camera on my phone is broken.
10-22-18, 12:55 PM
#4
There’s a long scratch through out all the parts I️ mentioned above.
Last edited by Fish; 10-22-18 at 01:01 PM.
10-22-18, 02:30 PM
#5
It probably will be totaled. Full proper repaint is at least 5K. You can buy it back and get a cheap spray at Maaco or something.
10-22-18, 03:46 PM
#6
Racer
That is terrible. Someone was either jealous or really mad at you. First thing I would do is check if the area it occurred at had any security camera video of the act. If you can find the person responsible then insurance may just go after the responsible party without having to total the vehicle.
10-23-18, 04:53 PM
#7
Probably one of your side chicks. Or a bitter ex. 
On the serious side of things.... See what the insurance adjuster says. If they total it, buy it back and have it repainted at an independent body shop. Not maaco, just a body repair shop. For about 3 grand. Shop around. Or look into DIY (YouTube is your friend)
On the serious side of things.... See what the insurance adjuster says. If they total it, buy it back and have it repainted at an independent body shop. Not maaco, just a body repair shop. For about 3 grand. Shop around. Or look into DIY (YouTube is your friend)
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mcomer (01-29-19)
10-24-18, 05:11 PM
#10
If insurance total it, how much do you think they would pay me? Around kelly blue book? And around how much do you think insurance would sell the car back to me? if I wanted to buy it back. I have no experience in this and thank you everyone for the advice.
10-24-18, 09:17 PM
#11
Here is a DIY on how to fix that....easy peesy
https://www.facebook.com/epochtimes/...IwMjA5MTQ1NzM/
https://www.facebook.com/epochtimes/...IwMjA5MTQ1NzM/
11-16-18, 07:29 AM
#13
Here is a DIY on how to fix that....easy peesy
https://www.facebook.com/epochtimes/...IwMjA5MTQ1NzM/
https://www.facebook.com/epochtimes/...IwMjA5MTQ1NzM/
01-26-19, 01:22 PM
#14
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Unfortunately, the insurance company uses a set formula of no more than 75% book value, plus these vehicles have a high salvage value, which is deducted from what they will offer you, if you try to keep it, but also will force you to salvage title it, further devaluing a solid long-lasting and reliable ride.
Get your own estimate from a repair shop that will make it palatable to insurance company and then pay a little extra for whatever quality you want. Takes a little time and effort, but beats giving your car away based on mileage. These cars are just breaking in at 200k miles.
Get your own estimate from a repair shop that will make it palatable to insurance company and then pay a little extra for whatever quality you want. Takes a little time and effort, but beats giving your car away based on mileage. These cars are just breaking in at 200k miles.
