Me (Not) Naked

MontegoGoGoGo · 03-18-2010, 03:48 PM

Not really, but anyway.

So, I've never totaled a car - knock on wood. But I know a lot of people around here have.

Whenever people make posts, everyone (after saying glad you're OK, etc.) says something like:

Time to upgrade
Looks like a brand new coupe for you
time to switch to a 335 (from 328)

So, does that mean you get more than what your car is worth?
How does it work?

Do they give you the current blue book value of the car?
Or give you what you paid for it?
Or give you what you paid for it and then some?
Or do they give you the current value of the same car new?

Someone edu-ma-cate me, please!

Thanks

MadDog · 03-18-2010, 03:56 PM

Ok, so I opened this thread expecting some hot pics, but now that I'm totally disappointed:

When my daughter totalled our Lexus, the insurance company gave us a replacement cost. I can't remember what company they used, but it involved using KBB and Edmonds and looking through the local papers for an idea of what a replacement would cost.

Tondtar · 03-18-2010, 03:58 PM

MGGG is a tease FAIL, MadDog ....

She's pretty good in talking the talk though. I give her that

Blake · 03-18-2010, 04:09 PM

who wears the pants? you or wife?

Trooper9009 · 03-18-2010, 04:14 PM

WTF I was expecting some pics... Walked out of my cube and opened the page in my iPhone n found nuthing... Damn!!

SantaPimp27 · 03-18-2010, 04:16 PM

Depends on the car and insurance. Wrecking older shittier cars is probably better.

My friends sister wrapped a piece of shit jeep around a tree. The car was probably worth around $1500. $2K max

And the insurance paid out like $8000. No idea how but it was a good trade up

solefald · 03-18-2010, 04:23 PM

two words: gap insurance.

pretty good thing to have, especially if your car belongs to someone with a word "Financial" in the name

Spec 1 · 03-18-2010, 04:31 PM

I work for an insurance company - a large and reputable one. Our obligation is to get you back to where you were before the wreck. Generally we will work along with you to determine the worth of your vehicle prior. They will essentially try to cut you a check for whatever it would cost to purchase a similar vehicle with similar miles, etc in your area. Opinions may differ between what you can replace it for, which is why having a quality company is important. A crappy company will lowball you, where a quality one will give you fair value.

Some companies, like Progressive, limit the amount of aftermarket parts they will repay you for ($1,000 in this instance). You can sometimes purchase additional coverage. Some companies, like State Farm, will pay for ALL of your aftermarket parts regardless of cost as long as you can prove you had them.

If you have Gap coverage on your loan, your vehicle will be paid back in a similar manner, but the insurance will cut an additional check for the remainder of the loan to your lien.

What else would you like to know?

Edit: I also feel betrayed by this thread title.

Peanuto · 03-18-2010, 04:46 PM

Quote:

Originally Posted by solefald

two words: gap insurance.

pretty good thing to have, especially if your car belongs to someone with a word "Financial" in the name

This. And yes, to jump on the bandwagon. Damn you montego.

jpsum · 03-18-2010, 04:46 PM

I was like this

when I saw the title of this thread

When i actually read it, I was like this

MadDog · 03-18-2010, 04:48 PM

Quote:

Originally Posted by Tondtar

MGGG is a tease FAIL, MadDog ....

She's pretty good in talking the talk though. I give her that

Is she as bad as Sara ??

Blake · 03-18-2010, 04:49 PM

Quote:

Originally Posted by MadDog

Is she as bad as Sara ??

no, sara actually delivers. well, she delivered for some people, then before you know it, everyone is delivering for her.

Kroy · 03-18-2010, 04:50 PM

no pic fail. didn't really expect pics but i want my click back

MadDog · 03-18-2010, 04:51 PM

Quote:

Originally Posted by Blake

no, sara actually delivers. well, she delivered for some people, then before you know it, everyone is delivering for her.

Ahhhh..... now I remember. Old age is creeping up on me.....

335e92tx · 03-18-2010, 05:22 PM

Welcome to n54 world.
how about you updating this post in the new car au natural?

Tondtar · 03-18-2010, 05:24 PM

Quote:

Originally Posted by Blake

no, sara actually delivers. well, she delivered for some people, then before you know it, everyone is delivering for her.

c0nstant · 03-18-2010, 05:26 PM

i stopped reading after i realized i wasn't seeing boobs

c0nstant · 03-18-2010, 05:26 PM

Quote:

Originally Posted by MadDog

Is she as bad as Sara ??

sara =/= real person. gogogo = much better

Gavin@MMW · 03-18-2010, 05:33 PM

Fail..

JayKay335i · 03-18-2010, 05:41 PM

I was looking to get some of my alpine white explosion on montegos googoo.....

Fail. But as was expected since there were no pictures attached to begin with.

silvergray545 · 03-18-2010, 06:00 PM

Quote:

Originally Posted by JayKay335i

I was looking to get some of my alpine white explosion on montegos googoo.....

Fail. But as was expected since there were no pictures attached to begin with.

Tondtar · 03-18-2010, 06:20 PM

May be she wants to see us go first before she feels comfortable with posting one of her own ...

OK ...I'll bite ....I go first.

Hope you likey, MGGG

03-18-2010, 03:48 PM	#1
MontegoGoGoGo I'm kind of a bitch 400 Rep 895 Posts Drives: Montego/Cream E93 Join Date: Jan 2009 Location: St. Louis & St. Petersburg iTrader: (0) Garage List 2007 E93 [0.00]	Me (Not) Naked Not really, but anyway. So, I've never totaled a car - knock on wood. But I know a lot of people around here have. Whenever people make posts, everyone (after saying glad you're OK, etc.) says something like: Time to upgrade Looks like a brand new coupe for you time to switch to a 335 (from 328) So, does that mean you get more than what your car is worth? How does it work? Do they give you the current blue book value of the car? Or give you what you paid for it? Or give you what you paid for it and then some? Or do they give you the current value of the same car new? Someone edu-ma-cate me, please! Thanks
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03-18-2010, 03:56 PM	#2
MadDog Careful, I Bite..... 157 Rep 504 Posts Drives: 2006 325i Join Date: Dec 2006 Location: S.F. Bay Area iTrader: (0) Garage List 2006 325i [7.50]	Ok, so I opened this thread expecting some hot pics, but now that I'm totally disappointed: When my daughter totalled our Lexus, the insurance company gave us a replacement cost. I can't remember what company they used, but it involved using KBB and Edmonds and looking through the local papers for an idea of what a replacement would cost.
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03-18-2010, 03:58 PM	#3
Tondtar 12 yr old Juvie 1148 Rep 881 Posts Drives: His Mom Crazy Join Date: Apr 2008 Location: El Lay iTrader: (2) Garage List 2008 (RIP in 2011) ... [0.00]	MGGG is a tease FAIL, MadDog .... She's pretty good in talking the talk though. I give her that
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03-18-2010, 04:09 PM	#4
Blake Banned 797 Rep 4,643 Posts Drives: Chevy Aveo Join Date: May 2008 Location: Parent's Basement iTrader: (7)	who wears the pants? you or wife?
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03-18-2010, 04:14 PM	#5
Trooper9009 Second Lieutenant 32 Rep 263 Posts Drives: 2011 335 XI coupe M sport Join Date: Dec 2009 Location: PA iTrader: (2)	WTF I was expecting some pics... Walked out of my cube and opened the page in my iPhone n found nuthing... Damn!!
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03-18-2010, 04:16 PM	#6
SantaPimp27 Lieutenant 37 Rep 412 Posts Drives: Slow homie Join Date: May 2008 Location: Jersey iTrader: (1)	Depends on the car and insurance. Wrecking older shittier cars is probably better. My friends sister wrapped a piece of shit jeep around a tree. The car was probably worth around $1500. $2K max And the insurance paid out like $8000. No idea how but it was a good trade up __________________
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03-18-2010, 04:23 PM	#7
solefald Nigerian Prince 400 Rep 2,180 Posts Drives: '11 F25 Join Date: Apr 2008 Location: San Diego, CA iTrader: (2) Garage List '11 BMW F25 [0.00]	two words: gap insurance. pretty good thing to have, especially if your car belongs to someone with a word "Financial" in the name __________________ http://soundcloud.com/djtchort
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03-18-2010, 04:31 PM	#8
Spec 1 Faster in the Corners 58 Rep 1,062 Posts Drives: '91 E30, '05 ZX6-R, '06 300C Join Date: Jul 2008 Location: Portland, OR iTrader: (0)	I work for an insurance company - a large and reputable one. Our obligation is to get you back to where you were before the wreck. Generally we will work along with you to determine the worth of your vehicle prior. They will essentially try to cut you a check for whatever it would cost to purchase a similar vehicle with similar miles, etc in your area. Opinions may differ between what you can replace it for, which is why having a quality company is important. A crappy company will lowball you, where a quality one will give you fair value. Some companies, like Progressive, limit the amount of aftermarket parts they will repay you for ($1,000 in this instance). You can sometimes purchase additional coverage. Some companies, like State Farm, will pay for ALL of your aftermarket parts regardless of cost as long as you can prove you had them. If you have Gap coverage on your loan, your vehicle will be paid back in a similar manner, but the insurance will cut an additional check for the remainder of the loan to your lien. What else would you like to know? Edit: I also feel betrayed by this thread title. __________________ '91 M42 E30 - All sorts of goodies. Last edited by Spec 1; 03-18-2010 at 04:36 PM..
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03-18-2010, 04:46 PM	#10
jpsum Major 289 Rep 1,088 Posts Drives: 2010 TSX Join Date: Dec 2008 Location: New Haven area iTrader: (4)	I was like this when I saw the title of this thread When i actually read it, I was like this
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03-18-2010, 04:50 PM	#13
Kroy Brigadier General 177 Rep 3,032 Posts Drives: E90 Join Date: Jul 2009 Location: Los Angeles, CA iTrader: (1)	no pic fail. didn't really expect pics but i want my click back
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03-18-2010, 05:22 PM	#15
335e92tx ahat 1078 Rep 2,592 Posts Drives: Was '07-335e92 - Now '13-335IS Join Date: Mar 2008 Location: Texas iTrader: (6)	Welcome to n54 world. how about you updating this post in the new car au natural? __________________ '13 335IS N54 (1 of 373 LeMans Blue out of 3597 total production e92)- Grey interior (1 of 24 in LMB with any trans- 1 of 14 with DCT)-MODS -MFactory LSD/MHD-BQ custom Tune/ATM-IC/AFE Momentum GT Intake/Konis/Mfront&HeimJoint Rear rods&arms/Brembos. https://photos.app.goo.gl/Lo6aHZRo7XqtPkhL8
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03-18-2010, 05:26 PM	#17
c0nstant Lieutenant General 1852 Rep 17,322 Posts Drives: G80 M3 Join Date: Apr 2007 Location: Los Angeles iTrader: (1)	i stopped reading after i realized i wasn't seeing boobs
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03-18-2010, 05:33 PM	#19
Gavin@MMW Brigadier General 433 Rep 3,879 Posts Drives: MMW Supercharged E90 328i Join Date: Nov 2009 Location: 818/805 iTrader: (18)	Fail..
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03-18-2010, 05:41 PM	#20
JayKay335i Banned 198 Rep 5,046 Posts Drives: ///M323 DCT Join Date: Apr 2009 Location: North Dakota; its best DUHHHHHH iTrader: (1)	I was looking to get some of my alpine white explosion on montegos googoo..... Fail. But as was expected since there were no pictures attached to begin with.
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03-18-2010, 06:20 PM	#22
Tondtar 12 yr old Juvie 1148 Rep 881 Posts Drives: His Mom Crazy Join Date: Apr 2008 Location: El Lay iTrader: (2) Garage List 2008 (RIP in 2011) ... [0.00]	May be she wants to see us go first before she feels comfortable with posting one of her own ... OK ...I'll bite ....I go first. Hope you likey, MGGG
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