Deemed total loss

It took a fair amount of work and lots of phone calls and emails but at the time, if you remember, my husband and I had subsequently broken bones skiing, so I had nothing better to do, but sit on the computer or on the phone :slight_smile: but it sure paid off. They tried to lowball us initially and thought I had agreed which I had clearly not and was very affirmative about that. We ended up getting different adjusters involved and ultimately up to a higher level manager, who was incredibly kind, and when he looked at the pictures of the accident, when somebody had run my husband off the road into construction on the highway he actually added in some extra money for our inconvenience :slight_smile:

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One more suggestion – I don’t think we’re allowed to mention companies by name here as it might be considered advertising, but there is a company out of North Carolina that seems to post in certain Facebook groups like the Tesla group online and other higher end cars at how they help customers get more for their recovery after a collision. If you PM me, I can give you the name of the company. I didn’t use them so I can’t give you a personal reference.

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Their offer $11.5K doesn’t sound too bad. On carman, carvarna, and dearlership pre-owned, they list new car with far less mileage for $22-28K. Mine is 2019 with 110K miles. They are selling cars from 2022-23 with 20K to 45K miles for 2-3 times. I do like the color of my car. They discontinued the color and now it mainly, white gray black. Bummer

I’d like to give up some repair, a little dent here and there, to lower the cost. I’ll see that will make total loss label disappear. The bodyshop opened up the damage. They confirmed there is no damage under.

Reviving the thread. I am leaning to give up the car and get a replacement. I am looking at the same model from 2022, 13,000 miles for about $32,000 vs one from 2023 with 19,500 for about $29,000. What is worth more; newer year or fewer mileage? The body remained the same from 2019 through 2023 for this make and model, I am told. Which one would you get?

I would need to see, smell, sit in and/or drive both cars. Also check the history of them (carfax). I would consider the colors, inside and out, and the upgrades /accessories.

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Had almost the same scenario as @kelsmom . It wasn’t worth much, but we really enjoyed the car, the classic ‘04 Pilot, and getting a new one was too expensive. We took the money, insured it for liability only, and drove it for 6 more years. If you like the car, fixing a side panel isn’t going to ruin the integrity of the vehicle.

In another instance, our son’s classic ‘84 Camaro was hit. The other driver was totally at fault. We added in all the repairs, which the insurance company factored in. We received adequate compensation for that car, which was put into getting a much better, albeit used car.

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Both are low enough mileage that some maintenance likely needed to done by time rather than miles. Also, they may have spent long periods of time parked, or done a lot of traffic jam city driving or short cold start trips.

I.e. low mileage does not always mean better condition.

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I’d look at warranty options. The 23 likely has original bumper to bumper. Does the 22 ? If not what will it cost you to get one ?

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This would be my choice. The mileage isn’t that different…and it’s a later model car.

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Also check if any one of them has transferable extended warranty.

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They both still have the original warranty. 23 until 2028 22 until 2027. They haven’t changed much from 2019-2023, they say. More features are built in in the later model. I like the color of 22 better than 23 but 23 is $3,000 cheaper. 22 has a slightly better feature, more add-onsDoes a year make much difference?

Is the bumper to bumper still on the 22 or just the powertrain?

You’ll want to extend either way and ask for the MSRP of the warranty.

I would never buy a car today without a warranty - everything repair wise is insane.

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Check Consumer Reports April issue to see if either year is on the good or bad used car list.

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Get the VIN #'s and go to the manufacturer’s local dealer and have them run a service report on each car. The reports will tell you which of the two cars was maintained better/worse/same.

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The 2022 car seemed to have been driven very little. Possibly only 3500 miles per year. Either a person that only drove around town or a car that was only used part of the year. Not sure how you would make that determination. Also would not necessarily have needed more than one service call (oil change) with such low mileage, unless they changed the oil yearly even if not required by mileage. Not sure how you can tell if it was driven regularly, just not far, or not driven much at all.

Good luck with your choice.

According to service records, 2022 was driven about 5,000 miles/year for the first two years and not driven much after that. They have have similar service records, serviced about once a year. 2022 has a new battery. Other than that, both had routine checkups.

Why not see if you can negotiate the price on the one you prefer?

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Aren’t the price fixed on line? They are from on-line dealers.

In the car business, everything is negotiable. The longer it sits…..

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Just as you negotiated the insurance value of your car, you can negotiate the price of a used car. Is it a private seller or a dealership? You can always offer what you are willing to pay. My friend’s husband used to sell cars at an Audi dealership. The behind scenes smarmy sales shenanigans and kickbacks, at least for the new cars, was eye opening. New or used, they want the cars off their lots. You are the customer. You can drive the sale (pun intended).

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