the insurance total my car

[Sideways_blksr20]

i got in a car accident few weeks a go ,the insurance guy came yesterday and said it was a total loss.
i know i can fix the damages with less than 500 bucks its just a lower control arm and fender but my concern is that after i fix it and want to apply for a salvaged title they r gonna want to inspect my car and i am afraid cause i have a rb20det in it .
any suggestion would be appreciated
thread 2 days before my accident
http://zilvia.net/f/cars-sale/317032-1990-s13-rb20det-clean-track-street-car-cheappp.html

[silverarrow27]

I bet you wish now that you didn't report it to your insurance lol Could have fixed it yourself. Then again if there were another party involved, I'd understand why insurance is involved.

[Sideways_blksr20]

I bet you wish now that you didn't report it to your insurance lol Could have fixed it yourself. Then again if there were another party involved, I'd understand why insurance is involved.
yeah insurance had to be involved cause they crashed me and my wife got hurt ,well she just got her neck hurt and shoulder thats why i called insurance.i think my best option would be to get the insurance money from my car and get a new shell

[roboticnissan]

someone hit him he had no choice

[I LUV MY S13]

yeah new shell is your best option, but the n again i doubt they'd inspect your motor

[Sideways_blksr20]

yeah new shell is your best option, but the n again i doubt they'd inspect your motor
yeah but the thing is that my car got paint it a whgile back and they paint over the federal vin and emissions vin under the hood .

[Sideways_blksr20]

someone hit him he had no choice
hey bro do u have another shell LMAO

[beb]

So someone hit you, there was medical involved and the other party is going to pay for your total loss, correct?

If this is the case, invoice them for the car and all aftermarket parts (incl motor). While your own insurance company will not pay out on mods (unless you purchase the additional coverage), the other insurance company does have to. You pay your own insurance knowing that at your fault, they will only pay out what youve been paying into, whereas; the other party wrecked your car and should be liable for all damages since it wasnt your fault.

Geez, kinda hard to explain in text but hopefully you get it.

[BlueKpS13]

their main concern is the damage caused to the car, and how much of it. They dont really care it if doesnt pass smog (or whatever you guys have in cali). but i would just get antoher shell and swap all your parts over to the new chassis, it would be easier than fixing it

[Sideways_blksr20]

insurance wont pay for aftermarket parts just for kbb value

[dtc 360RT]

Beb is correct. If you're not at fault. It's the others insurance either restores your vehicle to it's previous condition or pays you for the value of your car/parts. I just had a 2010 tundra back into my 240 parked at my shop. My insurance wouldn't cover anything because I have liability only...the other guys insurance on the other hand paid for my fender, a new vertex side skirt and front bumper and a car rental...the bill was $3400 from the body shop. but a 90 240sx in good condition isn't worth that in KBB.....ask your insurance agent, don't get dicked around by the other persons insurance, becuase you don't know any better.

[BlueKpS13]

insurance wont pay for aftermarket parts just for kbb value

then take the aftermarket stuff off. If they dont cover it, then they cant claim it as a loss. on paperwork, its not there, so they cant take it. of course theyll try and get you to buy it back, and you have to go through some hoops here and there...so it all depends. for the KBB value it would probably be easier just to buy back the chassis, and get another cheap one, and swap everything over. or you can argue the KBB value is wrong (which it is for just about any car older than 2000). there are options, just gotta find em

[hockeyrules]

did you save your receipts and what not? Insurance will cover that stuff, if you can prove it... Dad= insurance agent

[beb]

Beb is correct. If you're not at fault. It's the others insurance either restores your vehicle to it's previous condition or pays you for the value of your car/parts. I just had a 2010 tundra back into my 240 parked at my shop. My insurance wouldn't cover anything because I have liability only...the other guys insurance on the other hand paid for my fender, a new vertex side skirt and front bumper and a car rental...the bill was $3400 from the body shop. but a 90 240sx in good condition isn't worth that in KBB.....ask your insurance agent, don't get dicked around by the other persons insurance, becuase you don't know any better.

THANK YOU! All the misinformation in this thread is frightening.....

[Sideways_blksr20]

im just afraid of them wanting to take my car without calling me its parked outside my house and i cant drive it inside my garage cause one arm bend

[Sideways_blksr20]

the only stock part in my car its the chassis i have invested more than 6 gs on it so am kind of sad

[racer98]

i got in a car accident few weeks a go ,the insurance guy came yesterday and said it was a total loss.
i know i can fix the damages with less than 500 bucks its just a lower control arm and fender but my concern is that after i fix it and want to apply for a salvaged title they r gonna want to inspect my car and i am afraid cause i have a rb20det in it .
any suggestion would be appreciated
thread 2 days before my accident
http://zilvia.net/f/cars-sale/317032-1990-s13-rb20det-clean-track-street-car-cheappp.html

U will have to go to the DMV and just get the VIn inspected and also a headlight adjustment certificate, thats about it

also get 3 estimates from ligit body shops and also find 3 of the cleanest 240sx in the auto trader in your area and print it out make a packet of it and give them the copy of the HW you did. Dont forget a parts list with costs from the dealer, do not let them give you $50 for your car as they will try to pull.

[LOUD240]

registering a car from salvage involves an inspection , but its just a brake and brake light inspection runs 90 bucks they do not look at the motor. they just want to make sure the brakes are up to spec and that the brake lights actually work just got my Q45 done

[airhead]

i want to know whats going to happen with your car is that insurance going to give you money for your car or fix it at a shop?

i just got in a accident. im trying to gather as much info as possible.

i have a insurance person to come look at my car this monday.
i have a reciept of every part i bought for my car even oil and oil filter.

so...
print atleast 3 cars from autotrader.com
all reciepts/invoices of my car

do i get quotes from body shop aswell?

[roboticnissan]

hey bro do u have another shell LMAO



actually i just bought one haha its in the same condition as the one i sold you the last time haha all gutted and missing peices but this time im really trying to keep this lol

[roboticnissan]

im just afraid of them wanting to take my car without calling me its parked outside my house and i cant drive it inside my garage cause one arm bend


trust angelo they cant and wont just take your car. ive been all thru what you are going thru right now.

[Sideways_blksr20]

but i think they also check the emission and federal stickers i dont have that in my car they paint it

[beb]

i want to know whats going to happen with your car is that insurance going to give you money for your car or fix it at a shop?

i just got in a accident. im trying to gather as much info as possible.

i have a insurance person to come look at my car this monday.
i have a reciept of every part i bought for my car even oil and oil filter.

so...
print atleast 3 cars from autotrader.com
all reciepts/invoices of my car

do i get quotes from body shop aswell?

Depends who you was at fault and what ins co will be responsible for payout.

If its your fault, find out how your ins co comes up with values for your vehicle. If they state KBB, dont waste your time on pulling #s - thatll only help if they rate on True Market Value. Also, your mods will NOT be covered unless you have the additional coverage.

However, if it is the other parties fault, then take your receipts and car values. If it is not your fault, you are always entitled to having your car put back to the original form it was just before the accident, mods and all.

[Sideways_blksr20]

are u sure about that cause they told me they dont cover aftermarket parts and that they wont pay for repair that r more expensive that the car its worth

[CleanAndLegit]

id think they have to dude how is some one gonne buy something and some one else break it and not have to pay for it?
its just common sense

[beb]

are u sure about that cause they told me they dont cover aftermarket parts and that they wont pay for repair that r more expensive that the car its worth

Yes Im sure. If your own ins co was paying out, they WILL NOT cover mods unless you paid for the additional coverage.

But if the other party was at fault, YES they are liable to pay for everything on your car. Put up a freaking fight man... Some person, through their own fault wrecked your car - OF COURSE they are liable to pay for all your crap. Every company is going to put up a fight when paying out a claim to the opposite party, so you are going to have to fight as well, just refuse to accept payment until its something reasonable. (parts minus depreciation type of thing, dont even expect full retail reimbursement)

[Sideways_blksr20]

oh ok thanks

[Sideways_blksr20]

hey guys i just took out my fender and theres no frame damage at all just one of the brackets lights its bend ,is there anyway i could fight the insurance so they wont totaled my car

[beb]

Find out what requires them to declare a total loss. The problem with 240's is that theyre cheap. Most companies constitute that if the damage amount is about 70-80% of the cars value, it is a total loss.

Tell the other ins co what your value is for the car and why. You need to talk to that co and see if you guys can work something out. Usually you can, just be persistent and KNOW YOUR RIGHTS!

I know its tough, but you have the upper-hand, as this was not your fault.

May I ask what ins co you have and what the other party has?

[Sideways_blksr20]

FRED LOYA INSURANCE we both have same insurance hahahah
i cant talk to them cause i got a lawyer and they wont let me personally talk to them

[beb]

Ah... Well, good luck to ya! I hope you and your wifey are ok! :)

[Sideways_blksr20]

thanks dude

[Sideways_blksr20]

update
they r gonna pay me 2400 for my car ,i get to keep it with a salvaged title
they also gonna pay for my greddy fmic 1300 and a new car seat for my kid

[Sideways_blksr20]

my car its back on the road .i had to replace a lca and a new fender no frame damaged at all ...still waiting for the insurance check dough

[smithrudolf]

One Day Car Insurance (http://www.motorhomecarinsurance.com/)

[Ill40]

+1 to all the legit posts on someone actually helping another guy out instead of bashing on him