I bought a 2009 Honda Accord EX-L as a pre-owned in 2013 from Honda dealer for about ~$16K. Two weeks ago, I got into a car accident where it was my fault but I have 1st accident forgiveness. Current mileage is 160,000kms.
The appraiser tells me that the front bumper is damaged and came off, there left driver side has rebar damage/misalignment, spacing seems to have gotten tighter under the hood. And he doesn't know the hidden damages. He sent the report stating car is write-off to claims adjuster. After pushing him to state cost on visible damages, he said $5K.
I did try to contact a couple of body shops to ask for a repair estimate,but no one seems to be open to give a quote till the car is towed to their shop. They seem to be hinting at some angle which makes me think they'll turn this into a money making opportunity.
Insurer is RSA Johnson Insurance (Unifund).
My claims adjuster will be calling me soon - what are my options now?
As I'd really like to get my car fixed as opposed to taking money and
go look for a new car. Don't want to spend $10-$20K over the future.
I contemplate the options may be:
a. Issue market value of car, about ~$5K & go buy a used car
b. Ask insurance to pay some $$ and rest I cover for fixes @ insurance's preferred auto body
c. Insurance returns my damaged car with some $$ and I need to get it fixed where I want
Which ones are the easy vs. hard to steer towards? And what can be reasonable estimates in
a, b and c above. Is b and c more risky? I would like to get the car fixed and run it into the ground.
There is too my confusion and unclarity over this whole process.
Would really appreciate the help.
https://preview.redd.it/a4pjb9tdxou...bp&s=7804892814ad55c4ae92cefe6a527498ad2cff5d
https://preview.redd.it/gd0g79tdxou...bp&s=9b01512693220b0c2d177306c866a968df51eb81
https://preview.redd.it/k5r4g9tdxou...bp&s=7dc8e2742017217bd0a8c328225aebbf815b9fc5
https://preview.redd.it/dxyaatudxou...bp&s=9cf1cf184e798601bc4f607848ecc6c9bc88f6eb
The appraiser tells me that the front bumper is damaged and came off, there left driver side has rebar damage/misalignment, spacing seems to have gotten tighter under the hood. And he doesn't know the hidden damages. He sent the report stating car is write-off to claims adjuster. After pushing him to state cost on visible damages, he said $5K.
I did try to contact a couple of body shops to ask for a repair estimate,but no one seems to be open to give a quote till the car is towed to their shop. They seem to be hinting at some angle which makes me think they'll turn this into a money making opportunity.
Insurer is RSA Johnson Insurance (Unifund).
My claims adjuster will be calling me soon - what are my options now?
As I'd really like to get my car fixed as opposed to taking money and
go look for a new car. Don't want to spend $10-$20K over the future.
I contemplate the options may be:
a. Issue market value of car, about ~$5K & go buy a used car
b. Ask insurance to pay some $$ and rest I cover for fixes @ insurance's preferred auto body
c. Insurance returns my damaged car with some $$ and I need to get it fixed where I want
Which ones are the easy vs. hard to steer towards? And what can be reasonable estimates in
a, b and c above. Is b and c more risky? I would like to get the car fixed and run it into the ground.
There is too my confusion and unclarity over this whole process.
Would really appreciate the help.
https://preview.redd.it/a4pjb9tdxou...bp&s=7804892814ad55c4ae92cefe6a527498ad2cff5d
https://preview.redd.it/gd0g79tdxou...bp&s=9b01512693220b0c2d177306c866a968df51eb81
https://preview.redd.it/k5r4g9tdxou...bp&s=7dc8e2742017217bd0a8c328225aebbf815b9fc5
https://preview.redd.it/dxyaatudxou...bp&s=9cf1cf184e798601bc4f607848ecc6c9bc88f6eb