Only issue I see From reading is potentially no more comprehensive insurance, liability only.

I don’t plan on selling it, so don’t think im concerned with the hit on that side of it.

Thanks.

 

I’m with Allstate for many years, hoping that loyalty counts for something. Waiting for the call back from the assessor, who I’m getting along with very well.

I’ve fully stripped it today, there is nothing more sinister than what I thought, and even with a nice TF winch bumper I’m at 3.5k for parts.

How does the buy-back thing work? If they offer me a payout, say 10k, do they then offer me a price for the car that is a % of that amount?

Then it looks like I get a salvage title that I swap for a rebuilt title after an inspection.

OR, I ignore the insurance route and just fix it myself for 3.5k and go about my day?

 

Yeah I’d try to keep from it being totaled. The crappy part is the insurance company (industry) wins either way: either they pay you out and don’t have to cover much on the vehicle any longer, or you pay to fix it yourself. But the value on the market will drop by well over 50% and even if you never plan on selling it, I think with your $1k deductible, you’ll never be on the north side of it being worth it for the hassle and such.

Personally, I think minus the bumper, you could get it done for far less than $3500 if you are frugal in the parts hunt- possibly right around $1k if you are patient. Those headlights can be found for FAR cheaper than $1500 for the set, I’ve used Nissens radiators on 3 D2s now with no issues, and the trim bits can be had used from folks like Will Tillery (he has EVERYTHING) and although crazy busy is good to do business with.

The 2 things that will hurt are going to be the condenser (based on labor of pulling a vacuum and recharging the system), and of course the bumper. If it’s not a daily, I’d cancel the claim and be on the hunt for parts assuming the rest of the machine is pristine.

 

Insurance assessor just came back with a valuation of $14.2k, which astonished me. (He was very impressed with my headliner work, ha.)

NY is a 75% state, so if they can repair the damage for 10k or less they will go that route.

Waiting for the conversation with the repairs department.

With that valuation, I'm now hoping they can’t manage the repair price and I can have 14 grand, please! Minus deductible, minus buy back price.