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Ouch! Insurance help

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Old Nov 10, 2005 | 06:06 PM
  #1  
evoluzione1's Avatar
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From: ohio
Car: 88IROC vert and a 83 w/evo body
Engine: 400 and 350
Transmission: T56 and 700R4
Axle/Gears: 323 and 373
Ouch! Insurance help

Well my beautiful car got crunched. It doesn’t look it but estaminets are $3600. I want to take the money and fix it my self with custom parts ss hood and a new paint sceam, but how do I get the insurance money to do this?
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Old Nov 10, 2005 | 06:07 PM
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evoluzione1's Avatar
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From: ohio
Car: 88IROC vert and a 83 w/evo body
Engine: 400 and 350
Transmission: T56 and 700R4
Axle/Gears: 323 and 373
Attached Thumbnails Ouch! Insurance help-dent.jpg  
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Old Nov 10, 2005 | 07:21 PM
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BlueZee28's Avatar
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From: O'Fallon, MO
Car: 1991 Z28 convertible built 3/1/1990
Engine: Cammed 6.0L LSX
Transmission: T56
Axle/Gears: custom Ford 8.8", 4.10 gears
you tell them that you haven't made up your mind about which shop you are going to take it to, then they will write a check to you for the damages...i did this about a month ago and pocketed a large sum of money, which i was able to buy my new rims with
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Old Nov 10, 2005 | 07:22 PM
  #4  
BlueZee28's Avatar
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From: O'Fallon, MO
Car: 1991 Z28 convertible built 3/1/1990
Engine: Cammed 6.0L LSX
Transmission: T56
Axle/Gears: custom Ford 8.8", 4.10 gears
and dont get an SS hood, the '91/'92 Z28 hoods are the coolest hoods EVER MADE!
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Old Nov 10, 2005 | 10:56 PM
  #5  
JB22's Avatar
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your hood blisters dont look like they got busted up, so just get a used iroc hood and your good to go hood wise. I agree the 91-92z hood is the way to go.

Last edited by JB22; Nov 10, 2005 at 11:05 PM.
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Old Nov 10, 2005 | 11:02 PM
  #6  
HalfInchWrench's Avatar
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Joined: Feb 2005
Posts: 1,054
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From: Ajax, ON
Car: 85Z28 87GTA 91GTA 98SS
Engine: SBC, LS-x
Transmission: T-5, 700-R4, T-56
From the pic it just looks like a hood, bumber cover and headlight bar. Why such a high estimate?
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Old Nov 11, 2005 | 04:09 PM
  #7  
evoluzione1's Avatar
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From: ohio
Car: 88IROC vert and a 83 w/evo body
Engine: 400 and 350
Transmission: T56 and 700R4
Axle/Gears: 323 and 373
The radiator support is bent and all the plasctic intake suff is cracked. The second est. was $2998. Now their talk of a total?? What the hell.
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Old Nov 11, 2005 | 04:48 PM
  #8  
firebirdjosh's Avatar
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From: Worcester, MA
Car: 86 T/A
Engine: HSR 355
Transmission: 700R4
Axle/Gears: 2.77 posi
Bent radiator support means the it needs to go on a frame straightening machine (puller?). That's big money, plus they are quoting you to use all new parts.
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Old Nov 11, 2005 | 06:11 PM
  #9  
rideon1200's Avatar
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Car: 2002 Formula
Engine: 5.7 LS1
Let them total it so you can get more money. But, tell them you want to buy it from them. I did this with my daughters car, they gave her 2300.00 and I brought it from them for 200.00. Had the car fixed for 700.00, brought her new rims and tires. Or you can simply tell them you want to keep the car. Also, isnt your neck just a little sore?!!!!!!!
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Old Nov 11, 2005 | 06:32 PM
  #10  
Ramair21's Avatar
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From: stockton, CA
Car: Camaro RS/SS
Engine: 5.7 LS1
Transmission: 4L60E Transgo shift kit, 3500 stall
Axle/Gears: 4th Gen Rear 3:42
try not to get it totaled bro. then your car will have a salvaged title and then its not worth keeping it anymore. I say get the SS hood. I love it big time. Good luck
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Old Nov 11, 2005 | 11:09 PM
  #11  
toddztoyz's Avatar
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From: Enterprise, Alabama
Car: 86 Monte Carlo SS
Engine: 5.0 liter High Output w/ TPI
Transmission: built 700R4 Auto
Axle/Gears: 10 bolt 3.73
My insurance company has always cut a check to me and then when my car is finished, I would pay the body shop.

Don't let them total the car. You will ose money that way because it is very hard to sell a car with a slavage title and in my state, the car has to be inspected by the DOT to be tagged. A real pain in the A$$!!
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Old Nov 12, 2005 | 01:05 AM
  #12  
Jim Berry's Avatar
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Posts: 552
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From: San Antonio, Texas
Car: '86 Trans Am
Engine: LG4
Transmission: 700R4
Axle/Gears: 3.70 Posi disc 9 bolt
I went to register the '91 Firebird that I bought and it has a salvaged title also. Now I have to send to Austin, TX for a clear title but include receipts of all the rebuilding that I have done to prove that I am not stripping and selling cars I guess. Passed state inspection though, now I have to have one more inspection for a secondary permit before I can get new tags.

Jim.
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Old Nov 12, 2005 | 06:23 AM
  #13  
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From: Hattiesburg, MS, USA
Car: 1992 Jade Green---Trans Am Converti
Engine: LS1
Transmission: T56
Most states are pretty understanding with salvage titles on older cars. You can't really decide whether to total the car or not, that's up to insurance. Your car isn't totaled, but your title will be because the insurance bought the car.

To be truely totaled, X number of major parts and X number of minor parts must have to be replaced. It varies by state, but for the most part once you buy it back and have it fixed, you fill out the form and take it in for inspection. Here in Mississippi if you pass the inspection (easy if the form's right), $75 later the salvage is lifted from the title.

It makes sense if you think about it, a brand new car with $10,000 worth of damage wouldn't even be close to totaled, yet an older car with $2000 would be. The whole 'salvage' branding comes when insurance purchases a car.

Kevin D.
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Old Nov 12, 2005 | 07:39 AM
  #14  
rideon1200's Avatar
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Car: 2002 Formula
Engine: 5.7 LS1
Boy, I'm glad I live in Virginia. I have had 2 cars "totaled", (a couple more if you count the ones I couldnt drive afterwards). When my first one was totaled the insurance never even bothered getting the title. The second my daughters car, I just went and got new plates and reregistered and that was it. Kept riding on the same inspection sticker and let the body shop have it for 3 days. Last week, 3 years later, I waxed it up and it looks and drives great. The title says nothing about being totaled. Sounds like your local government is trying to sqeeze their hands in your pocket. I guess the best thing to do is check local laws and dmv to get the facts for your state.
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Old Nov 12, 2005 | 07:55 AM
  #15  
shr00m's Avatar
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From: Hattiesburg, MS, USA
Car: 1992 Jade Green---Trans Am Converti
Engine: LS1
Transmission: T56
Yeah, getting a rebuilt title here is free. I guess in Virginia they might automatically apply the 'totalled' rules and don't transfer titles if it's not mechanically totaled.

Kevin D.
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