shorty asked:


Ok i know this guy that has a 1993 rx7 and has a bunch of court fines so he is selling it. I've seen the car, it has 80,000 original miles, its an auto. with nice interior and a few normal dings on the body. it DOES have a salvage title. The guy said the engine needs new seals (apex seals) and it should be good to go. he said when he wrecked it after the seals went it did start and load and hasnt been started since (a few years). he is wanting $5,500 for it as is. I am thinking about getting it and putting it in a storage garage and working on it when i have some extra cash or having it worked on. U guys think its a good deal?
Its the 13b twin turbo motor. My father used to have a 91 rx7 and thats when rx7's became my dream car. I'm pretty posative my uncle rebuild my dads motor and knows rotary motors inside and out and would be glad to help/teach me cuz i'm very interested. I'm going to get more details on it, call insurance company and find stuff out then make a decision. thanks guys

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lucyblue_1999 asked:


I was involved in an accident in which the insurance company deemed my car a total loss. I still owed captial one auto finance about 6,000 on it and I didn't have gap insurance. I elected to buy the car back from the insurance company for $600, but now I'm worried about Capital one trying to repossess the car, even though it's wrecked now. Will captial one reposess a vehicle which has been deemed a total loss? Will I get a salvage title from the insurance company automatically, or who do I need to contact to get that?

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redsaab9000 asked:


Our 93 Saab was rear-ended and we did not get the other driver's insurance information. The bumper appeared intact, undamaged except for some scuff marks, though slightly shifted. What was damaged, however, was the gas tank which began leaking after the collission.

We contacted our insurance company to report the accident and file a claim; we wanted the gas tank replaced, and wanted the car checked for frame damage, or other non-visible damage.

The car was towed by the insurance company to their authorized repair center. The repair center prepared an initial estimate to replace the gas tank and do body work and painting to repair the car.

We told the insurance company no body work was needed, nor painting, and only the gas tank was required.

The insurance company insisted the car was damaged, and that it would be totaled due to the car's ~$2000 value, and the likelihood that further damage would be found once the bumper was removed.

We spoke to the adjuster who supposedly viewed the car, he stated that it appeared the rear-body panel was damaged behind the bumper assembly, and it was his opinion the car was a total loss.

Again, we protested, and told the adjuster the bumper didn't appear damaged to us, that they could deduct the cost of painting the bumper, etc., from the estimate, and just replace the gas tank.

This went on back and forth for a week, at least, until the adjuster agreed to install a used gas tank if further damage was found.

We agreed, the car was disassembled, and the body shop compiled a new estimate for a new rear bumper assembly, new gas tank (they would not install a used tank), painting, gas tank straps, fuel hose, etc…

This new estimate exceeded the value of the car and we were told the car was a total loss. Again, we protested and insisted that we didn't think the bumper was necessary, but that we found used parts totalling $465 shipped that would bring the repair cost to less than a total loss repair.

The insurance company refused and refused to allow us to repair the car ourselves (I am handy with cars). They also stated that even if we withdrew the claim, they would report the car as a total loss to the State of Florida and our title would be revoked.

We protested and they said that the car is a total loss, talk to us if you can find someone to repair the car cheaper with used parts. We contacted an independent saab mechanic and they said liability issues would prevent them from installing a used gas tank, and they recommended against having anyone do this.

At this point, we calculated the cost of purchasing another 93 Saab 9000, and it didn't make sense as we have invested over $5000 in our Saab over the last few years, including installing a brand new transmission. What made sense was buying a used Prius, and using the gas savings to compensate the interest.

So, we negotiated a final settlement with a total loss value plus we would keep the car and the salvage value was waived. We figured we could always repair the vehicle with salvage title, or sell it to someone else who wanted to replace the gas tank and bumper and have an otherwise excellent Saab.

We agreed to the settlement and were told we would receive fedexed paperwork the next day, and were told we only had a few days left on our rental car. That day we put a deposit on a used Prius as there were 15 buyers behind us, and received the car back from the auto body shop.

Over the weekend, while we awaited bank funds to finalize purchase, we inspected the Saab. There was no damage to the rear-body panel, and no damage to the inner portion of the bumper assembly. Further, the auto body shop had failed to return nuts and bolts, and had damaged the fuel feed line. We also learned in the State of Florida once the car is declared a total loss (over 80% of value), that it could not be repaired to be driven.

On Monday morning we picked up our Prius, finalizing payment, and contacted the insurance company to state that the body shop and adjuster had mis-represented damage and that we never received settlement paperwork.

We stated we were fine with the settlement, as long as the title would be corrected to a repairable title vs a certificate of destruction.

The insurance company said they would send an independent appraiser to verify damage and get back to us.

The independent appraiser arrived the next day and viewed damage. He stated there was no damage to the car other than the cracked gas tank (from force of impact), and that body shop had inflated damage.

His repair estimate, with used gas tank, was $498, $2 less than our deductible.

Insurance company wanted to deny claim. We protested, and claims person read file and realized the problem.

They have now withdrawn the settlement offer and are giving us three options:

1. repair car and waive deductible
2. total vehicle (minus deductible) and retain vehicle
3. total vehicle (minus deductible) and sell back the car at $800 salvage value.

What are our rights here? We fought for a month to convince the insurance company the auto body shop and adjuster were inflating damages. We were told the car would be totaled by State even if we withdrew claim. We were told we were running out of rental car days. We purchased a new car due to the position we were put in, plus stress of fighting insurance company for a month.

It's nice of the insurance company to fix the car and waive deductible, but we just spend $23K on a Prius plus $1500 tax and tag.

Naturally, they didn't force us to buy a Prius, but what do we deserve here?

Your thoughts, we just want a fair settlement.
I appreciate the responses… I'm not sure how I got what I asked for. All I asked for was for them to follow-thru on their settlement offer, but correct the damage estimate to $1200, the actual price to install a new gas tank ($498 estimate is for used gas tank that insurance company initially refused to install), so that I could have a salvage/driveable title, not a certificate of destruction which means the car cannot be repaired and titled (except in Kentucky perhaps, for Kentucky roads). That would leave me with $1900 which would cover the cost of me repairing vehicle myself, and taxes/title on the Prius, so I'm made whole. I agree, option A here is the best, provided they install a new gas tank by Dealer, and don't have one of their shops mess things up any further than they have already, but I still feel I deserve compensation for a month of phone calls, arguing, and tax/title on the Prius. I know states like Washington award triple-damages for bad faith ins.settlements

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don h asked:


I was in a car accident about 3 weeks ago. After choosing a repair shop which is also a blue-ribbon provider for my insurance, it’s taken all this time for them to tell me they are going to take my car to another shop for repair because the initial shop doesn’t like to do the repair that the insurance adjuster is recommending.

Ok, here’s the deal I have a 07 Charger that was rear-ended the first shop told me that he would try to pull the rear-end out but he ended up having to cut the rear passenger ¼ panel, replacing the floor pan and some other things, now the insurance adjuster is wanting to do something called a rear-end clip (getting a salvage rear end) to replace the damaged one. I asked the first repair shop owner why he didn’t want to do the repair. He replied that it wasn’t worth the trouble. So of course that sounded a little fishy to me so I called some other local repair shops and was basically told that there was risk involved and liability. I would like to know what the safety risks of such a repair are and I don’t like the fact that I have to send my car to another shop because the first doesn’t want to do the repair.
I just got off the phone with my insurance company about and hour ago and they have decided to total the car. Thanks everyone for your response

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oooyeaa asked:


I was hit from behind on Wednesday evening heading to work. The driver was ticketed by the police and their insurance company has admitted full liability. Injury wise, I have whiplash which thankfully, is going away now. My car, according to their adjuster, is going to be claimed as totaled. So, my car is valued at 7400, and repairs just from visual inspection, are 7015. So they are going the totaled route as its cheaper for them. After they buy the car from me, they will sell it to salvage, expect to get 2k from it, and only be out 5400 instead of a full cost of repairs.

So I've had the car for a year and half, taken out on a 5yr car loan. I still owe 12k on it. After they cut a check to the lean holder, I'm still responsible for 5k on that loan. The bank and my insurance at the time didn't offer gap insurance. Stupid of me, I let my current policy expire to search around for a more affordable policy. I kept procrastinating, and the accident happened with me having no insurance. Lucky he hit me and is at fault.

I'm trying to see what my options are. I've gone to the liable company's website and see their basic plan for my state, law requires 25k in property liability for at fault accidents, plus medical etc. So I'm wondering what should I expect from the lady handling this claim.

I'm not fooled when she called me yesterday and said that she is here to work with and for me. Saying that there is probably a lot of talk about lawyers, just know they will take 30-40% of you settlement. Know that I'm here to work for you, try to work with me I'm thinking my head total bull crap. 1, she works for her insurance company first, and will have their interest first, 2, she works for their client and to protect them from me in a suit.

In the end, I'm not stuck with a car that they will not fully pay to have repaired, and will still owe 5k after they pay the loan holder the value of the car. My credit is damaged and getting a new loan is probably not going to happen easily. I really don't want to get a lawyer but I now have a car sitting in my driveway that I can't use plus a balance in the end.

Anyone got some suggestions as to what I should realistically expect. The lady mentioned a liability settlement, repair settlement, medical expenses settlement, and personal injury settlement. I'm not out to make money on this as that just will not happen. But I have no car and will owe 5k still. I'm just like…f**k

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