My wifes car was $20,000 used back in 2019. Now after basically 10 years it gets hit. The insurance declares it totalled. So the car can’t be legally driven. The insurance will only pay us $9000. But now we’re trying to buy a replacement and for the same model year they are asking 16000!
WTF! What’s insurance for? Its just a tax. I much rather save to pay for my own car and have some sort of insurance that really actually covers the other driver.
Farmer this and state farm that and whatever General lizard, all are total bullshit regardless if you caused the accident or if you’re are the victim.
They should call it “pay slightly less than full price if you fucked up your car”
Did you talk to the insurance adjuster to increase their payout?
What they first offer you is just that, an offer. You can absolutely come back and say fuck off the car is worth more you just need to be able to provide proof.
They try and pay as little as possible. Never take their first offer.
My car was totaled recently. Fucking loved that car. They first offered me 19k for it. I found similar cars for sale for 24k. Same year. Same trim, close miles. They argued that what I see is the listing price not what they actually sold for.
I told them to fuck off 19k will not buy me a replacement and if they can find me a similar car that a dealer will actually sell for 19k locally I will take the 19k. Took them a week to come back to me and they offered me 22k. I told them I just put new tires on the car and gave receipts from a month ago. They upped it to 23k. +Tax and title.
Point is, it’s a nagitiation. They will try and screw you if they can. Don’t let them
Also. They owe you for taxes. That’s IN ADDITION to the value of the car. So if they say the car is 20k according to them. Make sure you are getting roughly 21.5k from them.