How a fender bender can ‘total’ your beloved old car

How a fender bender can ‘total’ your beloved old car


IF YOU HAVE A FENDER BENDER, YOU ASSUME YOUR INSURANCE OCMAPNY WILL PAY TO HAVE IT REPAIRED.NOT NECESSARILY!AS ONE LOCAL PLEASANT RIDGE MAN LEANRED, WITH AN OLDER CAR YOU INSURER MAY JUST TOTAL IT OUT…PAYING YOU PEANUTE. JERRY SCHNEIDERS LOVES HIS LOW MILEAGE, 2002 CHEVY IMPALA.SO HE WAS HEARTBROKEN WHEN ANOTHER DRIVER SIDESWIPED IT….DENTING THE WHOLE DRIVER’S SIDE. SIDE.”Yes it’s damaged,left front fender, doors. The doors will open and close.”BUT HE SAYS THE ENGINE IS FINE: ITS JUST A BAD FENDER BENDER. BENDER.”In my opinion, yes it’s still drivable.”NO SO, ACCORDING TO HIS INURANCE COMPANY.,…PROGRESSIVE.THEY TOLD HIM HIS CAR IS SO OLD, THE COST TO REPAIR IT IS CLOSE TO ITS VALUE. VALUE.”Theyre saying my vehicle is worth about 3,000 dollars.” dollars.”THIS IS ACTUALLY COMMON IF YOU OWN AN OLD CAR THAT’S NOT WORTH MUCH. ACCORDING TO INSURE DOT COM, IF THE COST TO REPAIR IT IS MORE THAN 60 PERCENT OF ITS VALUE….MOST COMPANIES WILL NOW TOTAL IT OUT!————– PROGRESSIVE IS OFFERING HIM BOOK VALUE, 29 HUNDRED DOLLARS. BUT JERRY SAYS THAT WON’T BUY A DECENT REPLACEMENT. REPLACEMENT.”I feel that this big company is pushing me in a direction that I don’t necessairly want to go.” –PROGRESSIVE SAYS 20% OF ALL CRASHES NOW RESULT IN TOTALED CARS….DUE TO THE COST OF REPAIRS.–SO IT NOW OFFERS A PROGRAM CALLED “TOTAL LOSS CONCEIRGE” TO HELP PEOPLE LIKE JERRY FIND A SIMILAR CAR. THERE’S ONE OTHER OPTION IF YOUR CAR IS TOTALED: YOU CAN GET THE CAR BACK WITH A SALVAGE TITLE AND GET IT REPAIRED ON YOUR OWN.JERRY’S NOT HAPPY WITH THAT EITHER. EITHER.”By putting that salvage or total loss on that vehicle, basically the car is not driveable…and I can’t really do much witth it.” A SALVAGE TITLE CAN MAKE YOUR CAR VERY EXPENSIVE TO INSURE…AND IMOSSIBLE TO SELL EXCEPT TO A JUNKYARD. PROGRESSIVE TELLS ME THEY WILL RE-INVESTIGATE HIS CLAIM.BUT ON ANY THREE THOUAND DOLLAR CAR, A FENDER BENDER CAN MAKE

About the Author: Michael Flood

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