I am having some trouble deciding whether to go to my insurance company to claim a single person accident or to just drive until the inspection is up and then go and get another vehicle at that time.
My truck IS in driveable position and has a dent in the front that will keep me from passing. I got the sticker a month before the accident. I have no previous violations against me and I am younger than 25. My truck is old but has good mileage and stuff. And at this time my insurance rate is very low. However, the unexpected accident caused me to make a quick decision as to how to go about this. I do not have money saved up for a new truck and so this is where the insurance may be necessary
So today I researched the Kelley Blue Book value of my truck. I was given 3 different estimates according to the trucks condition. My main concern is if it would be beneficial to go through the insurance and recieve the estimate or not. The truck WILL be totaled by them so I am sure of that.
Now, here's the question.
My truck was in great condition before the accident occured at all. So when they look through the Kelley Blue Book which condition will they decide?
Fair? because of the truck after the accident.
or good/excellent? which was before the accident.
the car is definately totaled because it is not a small dent, i hit a telephone pole and pushed the grill, front bumper, and the light holdings into the area of the radiator.
The cost of repair is way more than the truck is worth. And I was given the truck from the grandfather so there is no loan to worry about
My truck IS in driveable position and has a dent in the front that will keep me from passing. I got the sticker a month before the accident. I have no previous violations against me and I am younger than 25. My truck is old but has good mileage and stuff. And at this time my insurance rate is very low. However, the unexpected accident caused me to make a quick decision as to how to go about this. I do not have money saved up for a new truck and so this is where the insurance may be necessary
So today I researched the Kelley Blue Book value of my truck. I was given 3 different estimates according to the trucks condition. My main concern is if it would be beneficial to go through the insurance and recieve the estimate or not. The truck WILL be totaled by them so I am sure of that.
Now, here's the question.
My truck was in great condition before the accident occured at all. So when they look through the Kelley Blue Book which condition will they decide?
Fair? because of the truck after the accident.
or good/excellent? which was before the accident.
the car is definately totaled because it is not a small dent, i hit a telephone pole and pushed the grill, front bumper, and the light holdings into the area of the radiator.
The cost of repair is way more than the truck is worth. And I was given the truck from the grandfather so there is no loan to worry about