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They send out their adjuster, and they look at the car. They estimate the repair cost and compare that to the NADA or Blue Book value. If the repair cost is X% of the total value, they will declare it a total loss. I'm not sure what their ratio is, but it doesn't have to equal 100% of value. If they declare it a total loss, you have the option to buy the car back from them, for a low cost. I would suggest doing that. You can also argue their value they say your car is worth. They will lowball you, that's their job. If you have receipts and proof of maintenance, that can only help your case. I'd contact an attorney immediately due to the personal injury suffered by your GF. Mileage will be your biggest enemy, but if the car was very clean, and well maintained, you should be able to argue them up to about $9k. You won’t get much money for aftermarket parts. But things like alarms, airbags (1990, sorry) and premium sound add value.
"...Downpipes own. They own everything...anything...all there ever was and will be...they should be stock on all cars. Screw the environment, emissions, noise! I love them...I shall name my first-born after them with glee..." - SeedyRom 05:13:20 10/03/02 "i love the cock" - genic 22:20:47 09/25/03 "I hope you get fucked in the ass with a pringles can." - ni[X]it 14:53:53 02/02/06 "Either ignore him or beat him up. Anything else will be over his head." - Marshall 12:28:23 08/18/04 z32baby: yeah, my memory sucks balls
DJ Juiced: What's your memory doing this friday night? ;) "i've got to the point where i can drive the Z at its limits and i want more" - shadowZ 16:29:56 08/31/04 "I was way more timid then than I am now about getting in there and yanking on things." - TT XTZ 13:30:34 07/25/05
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18:31:14 03/19/07
