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Bad news.

Reply #60 –
My car was appraised at 3900. The estimated damage was 3724.66. I am getting 1510.64 minus the 100.00 for buying it back from salvage. So i'm getting 1410.64. As you guess they totaled it but my dad is currently talking to a man about having a whole front clip of my car is pennsylvania. Which is basically what I need.
Go look in the wanted section for parts needed.


Bad news.

Reply #61 –
huh. if they apraised it at 3900 and totaled it at 3700, why are you only getting 1500?
:america: 1988 Thunderbird Sport, Former 4.6 DOHC T56 conversion project.

Rest of the country, Welcome to Massachusettes. Enjoy your stay.

 
Halfbreed... Mango Orange Y2K Mustang GT
FRPP complete 2000 Cobra engine swap, T56 n' junk...
~John~

Bad news.

Reply #62 –
because they are dumb lol. I have no clue. All I know is that how ever much it costs im fixing this  car.
And everyone thinks im crazy for doing it because i suppose i could buy a new car but I LOVE THAT CAR!


Bad news.

Reply #63 –
Who is the insurance company? Who appraised it at $3900? If the insurance company said the car is worth $3900 then that's what they owe you, minus your deductable and the buy back cost.

Standard insurance companies...ie State Farm and the like...don't deal well with older/classic cars. When I had my '69 Mach I with full coverage, an appraisal, and stated value ($7500+10% annual appreciation) back in the '90's State Farm still wanted to argue with me when I totalled it as to what it's "value" was. You just have to fight with them to get what your owed. It took me 5 months to get paid the amount I had paid insurance on for 9 years without a single claim! They will always start off low-balling you hoping you'll have to take the money. Even though you love your car, that's no reason to let them screw you over on it's value.

Ray

Bad news.

Reply #64 –
this makes no sense.

appraisal of 3900,, you should get the damage costs in a form of check minus buying it back.

On another note,, I cant believe they even appraised it at that high.  You must have been paying additional on your premium to get the appraisal up that high.

You need to ask the insurance co if they can replace the car ,, its thier job to either replace or repair.  You cant replace a car like that for the measly amount they offered.  THat is the story I rolled with on my coug that got smashed by a tree.  I produced reciepts less than a year old that showed valuable replacement parts to add into the value.

Dont take the first offer they toss out.

Was it your insurance who said it appraises at 3900?  if so, thats the dollar figure they are legally suppose to work off of.

Bad news.

Reply #65 –
You need to ask them questions, or they'll take you for a ride if you don't speak up, Did you sign anything before they gave you that amount?
[SIGPIC][/SIGPIC]
***** Project "EVOLUTION" 1987 Cougar LS  & 1985 Cougar Convertible *****
[/COLOR]
5.0 HO 306 roller block, machined GT-40P heads, Wiseco dished forged pistons, Eagle forged floating I-beam connecting rods, Lunati pushrods, ARP bolts, Scorpion aluminum 1.6 rockers, Comp Cams Magnum 266HR, Explorer intake, 65mm TB, MAF Conversion, 19# injectors, Ford Racing stainless P-headers, 2-1/2" cat-less exhaust w/ Flowtech Afterburner lers , SC AOD with 2800 BDR torque converter, 3.73 T-Lok rear, CHE rear control arms, full 2-1/2" frame w/1" jacking rails & seat supports, Rear disk brakes, Turbine wheels, All original interior w/ floor shift upgrade .......
Pretty much every panel on my 87 is new, rebuilt, or re constructed. :D
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http://www.facebook.com/home.php?sk=group_137541156293768&ap=1

Bad news.

Reply #66 –
My daughter does this for a living... If your insurance company appraised your vehicle for $3900 and they feel that it should be a total loss because of the amount of damages they will owe you.  Regardless of who is at fault for the accident your insurance company will owe you the cash value of the vehicle minus your deductible and what ever amount they are deducting for you to buy back the vehicle.
Old Grey Cat to this.88 Cat, 5.0 HO, CW mounts, mass air, CI custom cam, afr165's, Tmoss worked cobra intake, BBK shorty's,off road h pipe, magnaflow ex. T-5,spec stage 2 clutch, 8.8 373 TC trac loc, che ajustables with bullits on the rear. 11" brakes up front. +

Bad news.

Reply #67 –
I may have heard the guy at the tow place wrong because it doesnt make any sense .

sorry


Bad news.

Reply #68 –
dont appoligize. Were all trying to help you. Its an insurance company's job to screw you. Its how they make money. Everyone here is trying to help you out. However some times you have to get in there face a bitch at them. Everyonce in a while thats all you can do. There telling you the insurance company owes you 3900. SO you should be getting 3900. Dont sign anything till you get at least 2000 out of them.
Quote from: jcassity
I honestly dont think you could exceed the cost of a new car buy installing new *stock* parts everywhere in your coug our tbird. Its just plain impossible. You could revamp the entire drivetrain/engine/suspenstion and still come out ahead.
Hooligans! 
1988 Crown Vic wagon. 120K California car. Wifes grocery getter. (junked)
1987 Ford Thunderbird LX. 5.0. s.o., sn-95 t-5 and an f-150 clutch. Driven daily and going strong.
1986 cougar.
lilsammywasapunkrocker@yahoo.com

Bad news.

Reply #69 –
more like 3 grand if the car had no special insurance other than book value.

Bad news.

Reply #70 –
Either way, she needs to keep a close eye out and get on top of whats going on. I hate the ins. co.
:america: 1988 Thunderbird Sport, Former 4.6 DOHC T56 conversion project.

Rest of the country, Welcome to Massachusettes. Enjoy your stay.

 
Halfbreed... Mango Orange Y2K Mustang GT
FRPP complete 2000 Cobra engine swap, T56 n' junk...
~John~

Bad news.

Reply #71 –
What does the tow guy know?, Did you have collision ins.on it?
Old Grey Cat to this.88 Cat, 5.0 HO, CW mounts, mass air, CI custom cam, afr165's, Tmoss worked cobra intake, BBK shorty's,off road h pipe, magnaflow ex. T-5,spec stage 2 clutch, 8.8 373 TC trac loc, che ajustables with bullits on the rear. 11" brakes up front. +

Bad news.

Reply #72 –
I think i had up to 80% of collision repairs on it.
Well its sitting in my driveway on wood blocks my dad is also going to spray it down with wd40 so no rotting happens and it also wont start which makes me nervous but we cannot get the hood open to see how the battery or anything is.


Bad news.

Reply #73 –
could be the inertia switch....probably nothing serious.
:america: 1988 Thunderbird Sport, Former 4.6 DOHC T56 conversion project.

Rest of the country, Welcome to Massachusettes. Enjoy your stay.

 
Halfbreed... Mango Orange Y2K Mustang GT
FRPP complete 2000 Cobra engine swap, T56 n' junk...
~John~

Bad news.

Reply #74 –
Tell your dad to just cut the bracket that the hood latches to.I have a replacement you can have in mint shape.Then you can check under the hood.
'88 Sport--T-5,MGW shifter,Trick Flow R intake,Ed Curtis cam,Trick Flow heads,Scorpion rockers,75mm Accufab t-body,3G,mini starter,Taurus fan,BBK long tube headers,O/R H-Pipe, Flowamaster Super 44's, deep and deeper Cobra R wheels, Mass Air and 24's,8.8 with 3.73's,140 mph speedo,Mach 1 chin spoiler,SN-95 springs,CHE control arms,aluminum drive shaft and a lot more..