Quote:
Originally Posted by Sparks67
They offer you a car that is worth less, as stated in this article.
http://jalopnik.com/dealership-total...eal-1498804012 This is typical of insurance companies, so if you have an item that is worth 4k, then they try to replace it with an item worth 400. He is just starting the Insurance/dealership game at 1 month, but it typically takes several months to get items replaced.
He never be happy, but his best bet is to get a new 2014 ZL1 and just pay the difference. |
I think you're probably right, in that the insurance company will generally have a lot of difficulty in replacing a car worth exactly the same, but it isn't really fair to say they'd pay out the equivalent of $400 for a car worth $4,000.
I dealt with insurance when I totaled a Ford Explorer several years ago. They offered to replace it with another Ford Explorer of the same trim level and option which was actually lower in mileage than mine, since there just weren't a ton of Ford Explorers with my options.
I assume that a similar thing is happening here - there likely aren't a ton of ZL1 Camaros to replace this guy's, so insurance is just trying to find the best/closest thing they can - which would likely be satisfactory to 95% of car owners. I think the issue is that since this guy clearly knows cars, he isn't happy taking a replacement which he knows probably wasn't cared for the same way he cared for his. It's unfortunate that he feels that way, but I don't think he'll have too much luck with them beyond that, unless he had some kind of custom car insurance.
Hope it gets resolved reasonably, but I'll be somewhat surprised if he ends up with much more than they've offered him.