Update on my flattened 4.2..........
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Joined: Mar 2000
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Update on my flattened 4.2..........
My insurance company already sent someone out today to look at the vehicle. I'm guessing this is going to be an unusual claim and they are wasting no time. It's pretty bad. There is damage to the top of the engine (he did not elaborate), the engine mounts and trans mounts. The front portion of the chassis is destroyed and so are all front suspension pieces he said. Plus it "warped" some of the cage around the front passenger compartment part of the chassis. I was guessing this since the windshield was cracked stem to stern and was not touched by the trailer's tires. One of the wheels is cracked and the radiator is accordianed. The Xenons are wasted etc. etc. etc..
Evidently the trucking companies insurance firm is going to hire an independant adjuster locally and look at the car in the next few days. But my insurance company has stated that they do not feel that the car can be rebuilt to the "same safety structural standards as when new". (In other words, "If we rebuild it and you or one of your family is injured or worse, then you might sue us")
Evidently the trucking companies insurance firm is going to hire an independant adjuster locally and look at the car in the next few days. But my insurance company has stated that they do not feel that the car can be rebuilt to the "same safety structural standards as when new". (In other words, "If we rebuild it and you or one of your family is injured or worse, then you might sue us")
AudiWorld Super User
Joined: Jan 2001
Posts: 7,638
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Re: Update on my flattened 4.2..........
Do you sell CD Changer? 
It can turn good for you. You will get a new car, get a litlle profit on the parts. And your insurance should not go up, because your car was parked.
Hope it will turn this way.
It can turn good for you. You will get a new car, get a litlle profit on the parts. And your insurance should not go up, because your car was parked.
Hope it will turn this way.
New Member
Joined: Mar 2001
Posts: 292
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Re: Update on my flattened 4.2..........
Actually, he will probably lose a little.
Even if the insurance company totals the car, Stu is likely looking at ACV minus his deductable...which will be less than the cost of a new 4.2. Given the way Audis depreciate, it could be a lot less than replacement cost.
OR, his insurance (or the truck's insurance) will find a replacement vehicle (same yr/model with similar miles and equipment). This car will have uncertain provinance and could be a trade-in purchased at auction, a warranty buyback or another accident car taken in by the insurance company as "totaled" and later found to be repairable. He may not even be given a choice of taking the ACV -deductable "option" if a "suitable" replacement car is available.
I'm glad Stu wasn't in the car and hurt in the accident, but he may not have escaped injury. If the truck's insurance is going for an independent adjustor that tells me they are gearing up for a fight.
I'd spend aobut $200 for a half-hour with a good lawyer just to be sure I understood my rights and responsibilities.
I hope I am wrong.
Regards
Even if the insurance company totals the car, Stu is likely looking at ACV minus his deductable...which will be less than the cost of a new 4.2. Given the way Audis depreciate, it could be a lot less than replacement cost.
OR, his insurance (or the truck's insurance) will find a replacement vehicle (same yr/model with similar miles and equipment). This car will have uncertain provinance and could be a trade-in purchased at auction, a warranty buyback or another accident car taken in by the insurance company as "totaled" and later found to be repairable. He may not even be given a choice of taking the ACV -deductable "option" if a "suitable" replacement car is available.
I'm glad Stu wasn't in the car and hurt in the accident, but he may not have escaped injury. If the truck's insurance is going for an independent adjustor that tells me they are gearing up for a fight.
I'd spend aobut $200 for a half-hour with a good lawyer just to be sure I understood my rights and responsibilities.
I hope I am wrong.
Regards
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AudiWorld Super User
Joined: Nov 2000
Posts: 12,697
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I don't buy the suitable replacement car thing and it is normal to have an independent adjustor...
they may want to fight the "totaled" aspect of the car anyway, but it is common to seek an independent adjustor even for much smaller cases. Stu B through a lawyer, if necessary can tell them to shove their "suitable replacement car" up their ***.
Good luck Stu B.
Good luck Stu B.
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