Insurance claim

schwinger said

The claims agent told us about that if the cost exceeds the value of the car then they’ll consider it a total loss which I disagree with that but it is what it is. I am mechanically incline, went to automotive school back in 2005 and did a lot of side work over the years as well as working on my many classic cars to where I know I can fix this. Body wise tho I can get it close to where it’s not a big eyesore. And we are negotiating that also with the repairs we’ve done to the car which im hoping it does make a difference.

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the point of insurance is to be "made whole"
after the claim is handled, you need to be in an equal state to where you were before
sometimes, that means they pay to fix your car, sometimes it means they pay you the value of your car so you can replace it


to me, the total loss thing makes sense, but if you are comfortable fixing it, have them total it, then buy it back and fix it
personally, ive come to a point where i simply dont always want to deal with fixing things myself
chasing down parts and rebuilding them may be fun on a project, but on a daily driver that needs to get back in rotation, id let the insurance pay a professional

but, thats just me