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Opie’s Garage
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This happened on Thanksgiving to my son. Someone in a jacked up F250 diesel changed lanes without looking and sent the wagon into a tailspin. The insurance company initially offered $1500 and some change and me keep the car. I declined their offer and politely showed them that I had $7500 invested in the car. So, they reevaluated their estimate and we settled on $5000 and me keep the vehicle. So always document your repairs kids.
 

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ta
Good point, but unfortunately it's hard to get compensated for the huge amount of time that we might put into a car. There's no receipts for that.
Take pictures of any work you do! it adds up with the adjusters. I hit a deer with my Saab in about 2007, I had 10k into it... a mistake for an 11yo car. Nada was like $2,700, I believe I got $6,700 because I had receipts and printed pictures of before, progress, and after. Sound deadening, component speakers, rare aero kit etc etc. sold my air splitter for $450, took my amps and subs out, and traded the car in for $1,200.

Fortunately I was a minor, and my dad had collector insurance for several cars. The first words from the adjuster was "is your son's car as nice as your other cars?".

Bought a 5spd zx3, and loved life :)
 

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I bought an 86 mustang GT for $1000 years ago and it got hit while it was parked in front of my house. Insurance gave me $3000 for it, and I bought it back for $200. Sold the seats, fog lights, and then the rest of it and made out really good!
 

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I once took an 11 year old reciept into a NAPA and got a rebuilt alternator under warranty for free that way. The counter person was most impressed to the point of showing off the reciept to coworkers.
 

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SVTTECH,

The picture of your Escort's damage doesn't look too bad-- other than that hard-to-find rear bumper.
The rest of the sheet metal damage looks like it would be easily repairable at any decent body shop.

My question for you is, the Insurance Co gave you $5 grand, and let you keep the car. So, what are your plans from here? Are you planning to fix it, part it out, or what?

If you plan to fix it and return it to service, I'm thinking that it won't be insured any more, since that $5 grand was the Ins washing their hands of the car, and it's all on you now. I've had that happen to me as well, and I'd be curious how they work it with you.

Take care.
 

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Of course insurance policy depends on the provider, but I have been paid out, kept the car and reinsured it without issue several times over the years.

I even had one car written off twice. I argued a little with the adjuster about the amount offered on my car after its second write off, but he drily said that the price they paid went down each time the (same) car was written off.

I couldn't really argue with that, so just chuckled a bit and accepted the payment.
 
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