Quote/Joke of the Week

Quote/Joke of the Week

If the automobile had followed the same development as the computer, a Rolls Royce would today cost $100, get a million miles per gallon, and explode once a year killing everyone inside. ~ Robert Cringley

 

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Car Wreck? Car Wreck?

Before you accept a check from the insurance company for your wrecked or totaled vehicle, doing this one thing could mean getting thousands more dollars for your car.

Quote/Joke of the Week Quote/Joke of the Week

Quote/Joke of the Week If the automobile had followed the same development as the computer, a Rolls Royce would today cost $100, get a million miles per gallon, and explode once a year killing everyone inside. ~ Robert Cringley

Find out what your car was worth prior to the accident Find out what your car was worth prior to the accident

Find out what your car was worth prior to the accident. If you have been in an accident and it has been determined that your car is a total loss, your insurance company will need to pay to replace your car.

Sadie’s Christmas Cadillac Story Sadie’s Christmas Cadillac Story

Sadie’s husband bought her a brand spanking new Cadillac for Christmas! With a big red bow on it just like you see in the TV ads! On December 30, with just 759 miles on it, coming home from Publix she was T-boned at an intersection by a red light runner!

What is a Restomod? And why have it appraised? What is a Restomod? And why have it appraised?

The Restomod is a relatively recent phenomenon in the collector-car world. As an alternative to the “survivor restoration” process, these new cars mix old and new technology to create the best of both worlds, matching classic styling with modern comfort, performance and reliability. From giant, retro-styled wheels to Singer’s hand-built Porsches, enthusiasts are able to have their cake and eat it too!

Amanda's Hyundai Diminished Value Story Amanda's Hyundai Diminished Value Story

Through no fault of her own, Amanda’s 2017 Hyundai Elantra was involved in an accident. It needed $3,902 in repairs, which was paid for by the at-fault driver’s insurance company. As a result of the accident, and despite the fact that Amanda’s Elantra was professionally repaired, it suffered ‘Diminished Value’, or a sudden loss of value.

Tim’s Automobile Total Loss Story Tim’s Automobile Total Loss Story

Tim M’s 2014 Kia Sorrento was stolen in December 2018, never to be seen again! His insurance company offered to compensate him $11,329 for his total loss. Tim felt this was less than fair market value so contacted us to help him. We advised him to inform his insurance company that he wished to invoke the ‘Appraisal Clause’ in his policy. We all have one in our policies!

The Pitfalls of Insuring a Modified Vehicle The Pitfalls of Insuring a Modified Vehicle

By law, if a car owner wants his or her car to be legal to drive, then that car must have a car insurance policy in force, which is a law that also extends to modified cars. This is true even if the owner drives the car or not, whether the car has a registration plate or not, and whether it runs or not. However, insuring a modified car is not the same as insuring a non-modified car, and there are strict rules and regulations the modified car owner must follow. While many modified car owners purchase full tort insurance policies from specialized insurance agents experienced with modified car insurance policies, getting any policy for the car has some downfalls.

Common Car Insurance Scams -- And How You Can Avoid Them Common Car Insurance Scams -- And How You Can Avoid Them

Even if you've never been involved in a car insurance scam, rest assured that you have felt their effects in the form of higher premiums. There is no national authority that keeps track of all types of auto insurance scams, but reports from various sources indicate the phenomena can cost insurance companies upwards of $6 billion per year and may account for up to 15 percent of all claims filed. Having to pay these claims results in higher premiums for policy holders, including you and me.

So your car has been totaled: FAQs So your car has been totaled: FAQs

Q: Can I keep my car if the insurance company totals it? A: Yes. After it's been declared a total loss, you have the option to keep the car. The insurance company will subtract the salvage value from the car's market value. The salvage value is the amount a salvage yard will pay for the damaged car. If you keep the car, it will have a salvage title. If it is successfully repaired or rebuilt, you can apply to transfer the salvage title to a rebuilt title. Caution! A vehicle with a rebuilt title can be difficult and/or expensive to insure. Do your homework!

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Quote/Joke of the Week