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Unread 07-14-2013, 08:52 AM   #1
Wolfman2332
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2013 XJ Cherokee 
 
Join Date: Jan 2013
Location: River Forest, IL
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2013 Summit totaled - what should I do?

Well, once in a while you fall in love - my wife, my daughter, and my 2013 Summit are the few times I have felt so deeply.

Yesterday, my daughter was driving and got clipped in the right rear quarter by a BIG pick up. Tahnk heavans she is OK (car is a tank!). However, the Jeep was spun 180, and clipper another car before it hit the ditch. While the insurance company hasn't seen it yet, I believe it is a total.

So - do I get a 2014, or hunt down a used 2013? Anyone have one they want to part with?

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Unread 07-14-2013, 10:12 AM   #2
boyvan
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Glad your daughter is ok. At the end of the day vehicles can be replaced.

Your insurance will try to find a similar 2013 first. If they cannot then they will move to 2014s. Thats my insurance company's rules. Have you checked your insurance company's website on this?
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Unread 07-14-2013, 12:08 PM   #3
LibGrandCher
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Join Date: Feb 2012
Location: , Ontario
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Glad your daughter is ok.

Ya.... Hope you are able to find a similar Summit.

They are rear in my area.
Your insurance might have a hard time searching.


Please keep us updated.

2014 would be good but they go for a premium over the 2011-2013 nowadays.



Good luck!
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Unread 07-14-2013, 12:24 PM   #4
henrysko
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Most importantly, glad there weren't any serious injuries.

If it's totaled, have only one thing to say...SRT-8!
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Unread 07-14-2013, 05:07 PM   #5
BigNunz6
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1-Auto Trader
2-Search 13 Trail Hawk
3- buy one
4- enjoy
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Unread 07-15-2013, 02:42 AM   #6
GCbubba
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2014 is vastly superior
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Unread 07-15-2013, 04:39 AM   #7
Dave2002ti
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Location: Clifton, VA
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Don't count

your totals before they hatch. If I remember correctly insurance companies dont total until repair costs are approx 75%+ of the value of the vehicle.

You may not want the your GC repaired but thats what may happen.
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Unread 07-15-2013, 05:41 AM   #8
BigNunz6
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Quote:
Originally Posted by GCbubba View Post
2014 is vastly superior
Your opinion is vastly exaggerated too.

8spd trans
Head lights and tail lights
Bigger Nav screen and in my opinion a new ugly shifter and a front face job only a mother would love doesn't make it VASTLY superior over a 13.
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Unread 07-15-2013, 07:35 AM   #9
philculp
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Quote:
Originally Posted by BigNunz6
Your opinion is vastly exaggerated too.

8spd trans
Head lights and tail lights
Bigger Nav screen and in my opinion a new ugly shifter and a front face job only a mother would love doesn't make it VASTLY superior over a 13.
Call me mommy cuz I love the front end.
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Unread 07-15-2013, 09:58 AM   #10
BigNunz6
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Quote:
Originally Posted by philculp View Post
Call me mommy cuz I love the front end.
I'm not here to start a " which Is better looking" thread, that's why I said my opinion. I just don't get the "vastly superior" comment. Maybe I'm really missing something on my 12 WK2 and GCbubba can enlighten me.
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Unread 07-15-2013, 10:33 AM   #11
Butterjeep
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Quote:
Originally Posted by boyvan View Post
Glad your daughter is ok. At the end of the day vehicles can be replaced.

Your insurance will try to find a similar 2013 first. If they cannot then they will move to 2014s. Thats my insurance company's rules. Have you checked your insurance company's website on this?
First I have heard of this. Usually in a total loss situation, the insurance company simply cuts a check. They don't look for a replacement vehicle for you. I would rather they not anyway, I'd much rather look for my next car myself rather than have my insurance company decide what I will be driving.
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Unread 07-15-2013, 11:40 AM   #12
hemispin
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^^ What he said. Insurance should pay off your totaled vehicle, or cut you a check if it's paid off. Usually the insurance is a bit generous and should pay you just a little more than Kelly blue book retail value (based on miles, model year, options etc.). Sorry for your loss, but glad your daughter is OK. Cars are replaceable..
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Unread 07-15-2013, 12:02 PM   #13
Butterjeep
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Quote:
Originally Posted by GCbubba View Post
2014 is vastly superior
I have a 2014, it's nice but not vastly superior. I actually really miss my 2010 WK at times. No doubt the WK2 is an improvement, but not a vast improvement. They are all terrific vehicles.
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Unread 07-15-2013, 05:23 PM   #14
Mojo57
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If its totaled an insurance company is not going to do the leg work to find your next car and say here it is. Instead they will use their own proprietary system to determine its fair value. That MAY be less than what you actually owe so let's hope not. Some insurance carriers provide coverage for "paying off" but not all. As part of the value determination they will use "comps" or comparables a just like when you buy a house. Lots goes into the equation. You should get a detailed loss report explaining how they come to the number. I'm the end, it will be marginally negotiable. If they deduct for wear and tear you may get them to reassess. But likely it will be what it is. Just make sure they have all the options correct. Also the determination of whether its totaled is not just based on cost to repair and value. It's also on the value of the salvage if it is totaled because they obviously sell it after.
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Unread 07-15-2013, 10:50 PM   #15
ChrisOC
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1 recommendation, be friendly with your insurance rep, when my pops Tahoe was stolen, being the great guy he is, netted him a $2k more than their original quote. Maybe that is the game, but still, friendliness goes a long way.
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