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Unread 06-21-2015, 09:31 AM   #1
Thegdog
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insurance Question

So I was at fault in an accident. They might try to total my Jeep. Do I have the option of repairing it myself. Not collecting a check. Not talking about buying it back, i'm talking about not collecting anything at all. Keeping the jeep and paying for all repairs out of pocket.

Not much info in internet. Most seem to talk about claims that don't involve me at fault. I live in North Carolina. Anyone know?

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Unread 06-21-2015, 11:30 AM   #2
Ironhead
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seems like the opposite reason for having insurance.

you have it, use it. unless i'm missing something
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Unread 06-21-2015, 11:37 AM   #3
arizonawj
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As far as I have seen, insurance policies don't generally require you to file a claim for property damage to your own vehicle. I would think you could tell your insurer you are not filing a claim for the damage to your Jeep. Of course, you can't prevent the other party from filing a claim against your policy for their property damage and injuries (unless you convince them not to).
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Unread 06-21-2015, 11:41 AM   #4
CJ7-Tim
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Are not wanting the Jeep totaled, or are you not wanting to file a claim ? If they total the Jeep you can buy it back at scrap value, and use the payout to repair it, but the title will likely be branded salvage. If you don't file a claim for your damages, you can do whatever you like with it.
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Unread 06-21-2015, 01:46 PM   #5
Thegdog
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I have already filed a claim. But there is a good chance of them totaling it. If they want to total it, I basically want to cancel the claim on my vehicle, keep it, and repair it myself. Don't want it totaled.
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Unread 06-22-2015, 10:35 AM   #6
Ironhead
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why? so you'll take a $10k hit so the title doesnt show it was totaled?

i dont see the end game as it seems like a major loss by not going through insurance
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Unread 06-22-2015, 12:53 PM   #7
Thegdog
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Quote:
Originally Posted by Ironhead
why? so you'll take a $10k hit so the title doesnt show it was totaled? i dont see the end game as it seems like a major loss by not going through insurance
it's like a 2.5k hit. Also time to me in this case is more valuable than money.
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Unread 06-22-2015, 09:01 PM   #8
TSEJEEPERS
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Stupid question but full coverage?
Just tell the insurance company that you do not want your Jeep repaired.
I am sure they will be good with that.
I was in a accident last summer. Towing my Jeep with my truck. Long story but I will keep it short, I rear ended another vehicle. My fault as it is always when you hit someone in the rear. KEEP IT CLEAN GUYS!
My truck has over 200,000 miles and has hail damage, not to mention that it has spent its whole life out of a garage. Lots of rust. (Chevy)
I have full coverage, only because I have been too lazy to change it. The truck is still driveable, I had to pull the fender out and replace a headlight.
When I called to make a claim I told them I did not want to fix the truck. They had no problems with it. Heck it is less money they had to pay out. Matter of fact I did not even have to pay the deducible.
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Unread 06-22-2015, 09:08 PM   #9
Thegdog
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Quote:
Originally Posted by TSEJEEPERS
Stupid question but full coverage? Just tell the insurance company that you do not want your Jeep repaired. I am sure they will be good with that.
I don't understand this. By saying that, does that mean instant salvage? Or I can't insure it?
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Unread 06-22-2015, 09:20 PM   #10
Thegdog
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Quote:
Originally Posted by TSEJEEPERS View Post
Stupid question but full coverage?
Just tell the insurance company that you do not want your Jeep repaired.
I am sure they will be good with that.
I was in a accident last summer. Towing my Jeep with my truck. Long story but I will keep it short, I rear ended another vehicle. My fault as it is always when you hit someone in the rear. KEEP IT CLEAN GUYS!
My truck has over 200,000 miles and has hail damage, not to mention that it has spent its whole life out of a garage. Lots of rust. (Chevy)
I have full coverage, only because I have been too lazy to change it. The truck is still driveable, I had to pull the fender out and replace a headlight.
When I called to make a claim I told them I did not want to fix the truck. They had no problems with it. Heck it is less money they had to pay out. Matter of fact I did not even have to pay the deducible.
So You kept your insurance on the truck? I want the jeep to be my DD.
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Unread 06-22-2015, 09:26 PM   #11
TSEJEEPERS
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Sure you can.
If they never see it how will they know how much damage was done to it?
Just keep your coverage the same.
I would hope you would know whether it is safe to drive on the road or not.
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Unread 06-22-2015, 09:27 PM   #12
TSEJEEPERS
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Quote:
Originally Posted by Thegdog View Post
So You kept your insurance on the truck? I want the jeep to be my DD.
yep
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Unread 06-22-2015, 09:31 PM   #13
TSEJEEPERS
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My truck was also paid off.
If you still owe money on your Jeep it may be a different story.
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Unread 06-23-2015, 11:05 AM   #14
WahooCreek
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Your answer to your original question will depend on how you answer TSEJEEPERS' question about whether you owe anything on it.

If you have $ borrowed against it, your loan documents likely govern how you must handle it.

If you do not owe anything, you can probably tell the insurance carrier you do not wish to pursue the claim. HOwever, they have notice of the wreck, so don't think you are going to save your rate from going up.

If you do not owe anything and wish to pursue the claim but keep your jeep even if they declare it a total loss, you can probably keep your jeep by telling them you want to keep the salvage. What this means is that if your jeep was worth $5,000 before the wreck and the value of the wrecked jeep after the wreck (a/k/a salvage) is $2,000, then you keep the vehicle and get a check for $3,000. Depending on your state's laws, the title may also have to be marked as a "salvage" title.

Some of this is very state specific, so you'd do well to consult a local lawyer or your insurance agent.
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Unread 06-23-2015, 12:47 PM   #15
Thegdog
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Quote:
Originally Posted by WahooCreek
Your answer to your original question will depend on how you answer TSEJEEPERS' question about whether you owe anything on it. If you have $ borrowed against it, your loan documents likely govern how you must handle it. If you do not owe anything, you can probably tell the insurance carrier you do not wish to pursue the claim. HOwever, they have notice of the wreck, so don't think you are going to save your rate from going up. If you do not owe anything and wish to pursue the claim but keep your jeep even if they declare it a total loss, you can probably keep your jeep by telling them you want to keep the salvage. What this means is that if your jeep was worth $5,000 before the wreck and the value of the wrecked jeep after the wreck (a/k/a salvage) is $2,000, then you keep the vehicle and get a check for $3,000. Depending on your state's laws, the title may also have to be marked as a "salvage" title. Some of this is very state specific, so you'd do well to consult a local lawyer or your insurance agent.
I owe nothing on it. Bought it cash. I called the company and called off the claim. My shop can repair the needed things, ignoring the aesthetic for less than $1500. So I'm in the good.
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