insurance buy back for totaled car

[badass69]

anyone familiar with the perecentage of buy back cost for a totaled car? and would insurance company pay me dealer price and not private party price if i purchased the car couple months ago from dealer?
im just interested in how the process works when the insurance company declares the car totaled?

it is so ridiculous, since im in norcal the insurance company is totaling my car, but if i let my socal shop fix it then my car wont be totaled, but the gay ass insurance company wouldn't listen to me. they wrote on the estimate 60/hr for labor in norcal when the shop im going to down in socal is like 32/hr labor.

very frustrated with the insurance company totaling my car when it shouldnt be, because of the cost of labor that they put is higher.

anywaiz im debating whether to just take the money and buy it back to fix or just take the money and find a new car..

[gfisch]

You may be able to get is cheap from the insurance company. Definitely try to negotiate.
I got a very good deal on mine after it got totalled.

But, if you want to repair it, you will have to get a salvage title, and when its repaired, get it reinspected and a real title. And it will show on the cars record that it was salvaged, something to think about if you care about resale pricing.

Hope this helps.

[aznpoopy]

insurance companies out by me have 'usual' shops they use for estimates and the like. if ur shop is some little tuner shop out somewhere i wouldn't expect the ins. co to go for it. this helps in the long run so ppl dont scam the company with overvalued estimates. the insurance company usually goes by the blue book price of the car with mileage and condition adjustments. although the guy that totalled my old car said he usually just puts 'good' to avoid arguments... so if they want to put bad condition give em a hassle and u can get a higher valuation. i ended up getting like 4.5k for a 1993 toyota camry with 130k. made out pretty good i think.

u can definitely buy back the car for cheap. in fact u might be better off. i've heard of cases where the damage is like a smashed in door... totalled s13. insurance co. gives u money minus a little for the cost of buying it back. then off to the junkyard + new door = you with car + a few thousand. call them up and ask. only way to get a real price. good luck man.