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Milleniumfelidae OP t1_iybg7za wrote

Reply to comment by Siphyre in Car was in accident and rental car expenses is eating away at a lot of disposable income. Need advice. by Milleniumfelidae

I was found at fault. But apparently my car might be declared a total loss.

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MentallyMusing t1_iyc4j0z wrote

They should know right away if your car has been damaged enough to be totalled. Like that day they (autobody shop/mechanic) would and should have told you. They're running a scam keeping that long under those circumstances

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Milleniumfelidae OP t1_iyd0um4 wrote

I called today and the shop said the estimator from my insurance hasn't been out to see the vehicle. I'll call insurance later.

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MentallyMusing t1_iydjad1 wrote

That's insane.... Declaring a vehicle totalled happens right away here and they are costing you a ShitTon of Money making you wait all this time. The autobody shop should be able to take responsibility for telling you if the projected repairs cost more than the current value of your vehicle or is unable to be repaired safety for future use this is the criteria used to declare a vehicle Totalled here. I'm so sorry you're getting dragged through the process in that way....

(maybe the standards of the insurance company are different in the State you live (I'm in Massachusetts)

Will they (mechanic) give you an estimate or do they wait till the insurance adjuster comes in person to check on the car before they'll even look at it? It's sounds like they're holding you and your car hostage to create higher prices/bills and if they have any connections to the rental shop I'd start keeping good track of All communication that you can. Good Luck!

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Milleniumfelidae OP t1_iydrhl7 wrote

So I got a text today and claims said it looks like potential total loss. But they have to confirm it with another department

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MentallyMusing t1_iydsk9f wrote

Keep all written communication safe as you can and ask for copies of how often and from when your car was first looked at and correspondence between them and your insurance provider while checking to see if any connections/contracts exist between them and the Rental Agency so you can potentially recoup some of your financial losses Created by their blatant mismanagement. Wishing you all the best!

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Siphyre t1_iyf9yxr wrote

It is a bit sketchy that it is taking this long to make a determination. I'd complain to the Department of Insurance for the state OP is in. u/Milleniumfelidae

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Milleniumfelidae OP t1_iyfdwu6 wrote

So I contacted them today and they said an estimate was written and determined it's a possible total loss, but it has to go by someone else first.

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ham_sandwich_please t1_iybh7e7 wrote

Sounds like you have collision if your insurance company and the auto body shop are going back and forth. What do you expect the payout to be if the car is declared a total loss? I would keep on the insurance company to make this determination ASAP and get the car back on the road or purchase a replacement if it's a loss. Those are your only real options. Stay on top of both the auto shop and the insurance company daily.

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Milleniumfelidae OP t1_iybj2ib wrote

Thanks!

This whole process is foreign to me and none of my family and friends are able to give me any advice. I feel like if it was declared a total loss then the process should be faster.

But I'm also in Charlotte where there are so many accidents each day. My claims adjuster said there are hundreds of accidents in the state each month. Im just wondering if maybe the people that need to inspect the vehicle are overloaded with tons of other vehicles as well.

And it happening around the holidays definitely didn't help matters.

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