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?
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.
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.
^^ 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..
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.
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.