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Unthinkable Happened - need help

5089 Views 41 Replies 24 Participants Last post by  BAKKER16, 
Nat DeBery
4
Pretty shaken up, won’t go into too many details but you can probably guess what happened. I am somebody that always assumes the worst, so given mine is as rare as it is (MG slick 6mt), what are some suggestions/recommendations/advice to show State Farm to get them to fix this thing? As in, keep the value above the potential damage? Was a no fault accident with freak weather involved. Still runs no oil slick either. Will have it assessed next week.
Wheel Car Tire Land vehicle Vehicle

Wheel Car Tire Land vehicle Vehicle

I’m a younger guy going through a tough time lately, struggling with work and having to live at home in remote ME. Was en route to have my snows put on. Not to give y’all a sob story but I’ll be frank, the reason I continue to draw breath on this earth is because of this car. I just don’t know what to do, I want to have it repaired I don’t care if it’s not perfect, because the odds of finding a slicktop 6MT are slim to none. The time I’ve put into this car in regards to mods and care is astronomical to me anyway, so while I could always tear the frame rails out of a sunroof car (I’m 6’4+) and floor mount it I’d rather not, then I also have to restart the mod process. Im sure this is what rock bottom feels like in life with absolutely nothing going for me career wise life wise etc etc and my one escape from the prison of my mind was violently ripped from me. But any advice or help to get the best out of this situation would be appreciated more than any of you could ever imagine.

Hope you all are well,
-Nat

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B
If it was me I would tow the thing out of the storage lot where it is accuring fees and take it to my house. Then I would allow the insurance company to conduct their apprasial and see where it comes in. I would provide pre-crash pictures, similar comps, and a list of options to the adjustor. If you feel the offer is too low I would hire an independent appraiser to provide a counter price point to submit to the adjustor. If the insurance company is still too low then I would seek arbitration. I would not pay for an attorney personally. The expenses of an attorney will be too high to litigate the value of a car. Source- my family owns an insurance company and I investigate crashes for a living. LOL
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B
You can ask the insurance company for the buyback price and see if it interests you. Then rebuild and get it inspected to get salvage title and make it roadworthy again. As for buying it at auction odds are it will probably go to the nearest Copart auction which you must be a business to bid. I would not go that route. In fact I would probably look up comps at Copart to get a rough idea of what the buyback price would be.

Hate to say it but rarity doesn't equal valuable. In fact they will probably think the lack of a sunroof and a manual would warrant a lower price since that would be considered a more base vehicle. I would absolutely find similar year, color, options, condition, and miles to show the adjustor and/or appraiser to show what it will cost to buy a comparable vehicle.
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Until you sign the title over it is your car. You own it. You can take what you want off it. However, if you don't put a factory part back on then the insurance company will deduct the value of the part you removed. Grab a junk yard rear end out of a G8, caprice, Camaro, etc and swap it back. Heck I had a rear end I took to the scrap yard about about 6 months ago because I couldn't give it away! LOL. Hit up CL, FB, Car forums for a granny gear rear end nobody wants. Easy to do in a half day. You also may need to pay the tow bill and storage fees to get it towed out of the lot to some place where you can work on it. Most storage lots don't allow that sort of stuff on premise. Either way be honest with the adjustor if you are taking the car back to stock or signing over the title with missing parts. You don't want to be accused of insurance fraud because you started taking parts off after the insurance company paid out an agreed amount.
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Yes a G8 rear end will swap with no issues. If you change ratio and keep car it may need to be reprogrammed in HP Tuners. If you are just throwing it in to make it a roller then no issues. Probbaly the 10-15 Base Camaros, Base G8, or Caprice will be cheapest as a lot of guys swap them out for a better ratio.
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