momto4kiddos
Drama Llama
Posts: 5,156
Jun 26, 2014 11:45:15 GMT
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Post by momto4kiddos on Apr 2, 2018 10:29:31 GMT
I think this is very weird, but want to check with the peas.
Insurance company calls and says car is totaled, no figures discussed. Within 2 hours someone calls to ask if car can be cleaned out today. Within an hour a second call is received from salvage company wanting to know if they can pick up car that day.
Weird right? I don't have previous experience, but wouldn't the insurance company want some sort of agreement before trying to remove the vehicle? I get they're paying fees and all and want to get it done, but there was no discussion about money at all.
From the standpoint of owner of the car, there was a yeah no on the salvage company coming. I'm just perplexed I guess as to why the insurance company would be trying to move things along on their end, but not tying things up on the other (and i'm trying not to feel like this is shady on their part.)
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CeeScraps
Pearl Clutcher
~~occupied entertaining my brain~~
Posts: 4,063 
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Post by CeeScraps on Apr 2, 2018 12:03:12 GMT
Our dd was in an accident on a Sunday on the way back to college. Someone hit her and pushed the SUV off the side of the road. Sh e called us to tell us about the accident. A tow truck was passing the accident and contacted the police (thank heavens....she was in the middle of no where up in the UP).
We told her then to empty the SUV. I told her everything must come out with her. My hubby said no....I insisted. I've seen too many Jeff Rosen reports for her to leave anything in there.
She emptied the SUV, got back to college. This was Sunday. On Monday I talked to insurance. They talked to someone at the tow company. The insurance totaled it based on the age of the SUV and the damage. The salvage company picked it up on that same Monday. It went fast....like, wicked fast.
Now, money......this was a journey. I was dealing with 2 people at our insurance company. Why ours? MI is a no fault state...don't get me started on this issue. Anyhow, insurance sent me a quote with all the stuff on the SUV. I looked it over closely. I'm glad I did. They left things out of what was on the SUV. I went back to them with what they missed. We received more money.
Insurance sent us a check and we went shopping months later for another vehicle.
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Kerri W
Pearl Clutcher
Posts: 3,836
Location: Kentucky
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Post by Kerri W on Apr 2, 2018 12:28:30 GMT
When I was in an accident where the car ended up being totaled the tow truck driver told us to take everything in the car with us when he picked the car up. One, because anything can happen on the lot where the car sits waiting for adjusters. It’s not inconceivable that the car may not be able to be locked appropriately due to the damage. And two, the process moves very fast. The next morning the owner of the place it was towed to called to touch base with us and said the same thing...come get everything if you haven’t already. The whole process should have only taken a couple days. Ours was held up slightly because of the Christmas holiday and our travel plans.
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Deleted
Posts: 0
Aug 18, 2025 20:01:51 GMT
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Post by Deleted on Apr 2, 2018 12:43:07 GMT
My daughter was hit by a driver running a red light. Her car was totalled. She was so upset and not thinking and didn't get the car cleaned out. I had to drive 3 hours to where she was to get to the tow place before the scrap company picked it up. It all happened tremendously fast! It was crazy. We also got a great check (more than we would have expected) from the insurance company and were able to replace her car quickly also.
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momto4kiddos
Drama Llama
Posts: 5,156
Jun 26, 2014 11:45:15 GMT
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Post by momto4kiddos on Apr 2, 2018 13:48:50 GMT
Car is drivable so he did pull stuff out of it prior to leaving it with collision center. I'm just surprised the insurance company would have a salvage guy called when they haven't worked out the figures.
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Post by Really Red on Apr 2, 2018 14:05:56 GMT
It can happen VERY quickly. It is because otherwise they have to pay daily storage fees on the car. It is up to you to put a stop to it if you want. I have had at least 4 cars totaled (phew!) and after the first one I learned what I had to do. Absolutely get BOTH insurances involved. Yours and the one who is paying for it (if it's not on you). If you don't like the number that the other place is giving you, use your insurance company. You can nearly always get the number higher. They ALWAYS low ball you. Just be proactive and be involved and do NOT give permission you are not willing to give.
p.s. so not weird at all.
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Post by revirdsuba99 on Apr 2, 2018 14:13:59 GMT
Call your agent. That is what s/he is paid for, to answer your questions.
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Post by Tammiem2pnc1 on Apr 2, 2018 14:16:05 GMT
When I had an accident and my car was totaled they took it the same day. I had it towed and by the time I learned it was totaled the car was already at the salvage yard. I accidentally left my wallet in it with all my cash and cards. I had to fight with the insurance company to find out where they took the car. I arrived at the salvage yard, half my belongings from the car were gone. The wallet was there, but the cash "surprisingly" missing.
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MizIndependent
Drama Llama
Quit your bullpoop.
Posts: 5,927
Jun 25, 2014 19:43:16 GMT
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Post by MizIndependent on Apr 2, 2018 16:21:07 GMT
Story time!  My DD totaled our Suburban a few years ago...we cleaned it out completely at the accident scene. Frame was bent so that the doors wouldn't shut all the way, completely undriveable (DD was okay - Suburban took the brunt of the hit). Insurance company had it towed to a yard where it sat for 2 weeks. Then they tried to give us $1,300 for totaling it. Yeah, it was an older Suburban but it was worth a lot more than that so I called my agent and they said "there was a lot of mold in there". Oh really? You left my vehicle sitting in the rain for two weeks with doors that won't shut and you think it's my fault that there's mold? No. Also, they didn't account for the almost brand new tires or the specialty model it was. My agent got on board with me at that point and suggested I see if I could find some comparables for their record. I couldn't find a single Suburban in a 500 mile radius that matched the age, mileage and specialty features mine had...the agent said, "No problem...go national. I just need three or four for the file to justify the best settlement we can for you." I found five in a national search that was four times the amount they wanted to settle on me. Sent them off to my agent, had a check within a week for $5,000+. We bought a 2001 Century Buick with 60,000 original miles that had only one owner previously...a little old lady who didn't drive much. Car was in great condition...we spent $3,500 on it. All in all, we came out ahead.  Don't settle for what the insurance company is willing to give you or what they think it's worth. Push them. Provide your own comparables. Expand your search nationally if you have to. They just need to justify the payout for their file.  |
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Post by papersilly on Apr 2, 2018 17:14:01 GMT
i find that insurance companies are pretty quick when it comes to resolving property damage. they either get you into a body shop quickly or take your totaled car and issue you a check as soon as possible. i think they want to minimize additional expenses like car rental if they can resolve property damage as fast as possible.
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