thermorex wrote:
Depending on what and how you talk to them, they may let you keep it and pay something less for you to fix it. Its worth to try at least. Your title though may be changes to salvage, but I think that depends on the state...
Sorry to hear about your "loss". It's hard to get insurance companies to change their minds on stuff like that. I had an integra years ago that had water come up over the front of the hood on the low side of the road when a hurricane blew through. It hydrolocked the engine briefly and I stalled out, but I pulled over (out of the gushing water), let it sit, then started it back up. Other than a knocking sound it drove the same and I went about my business. When I took it to a shop to evaluate the engine repair for whatever likely got bent, they suggested I call my insurance. 2 days later, it was totaled and I had a check for about $1500 more than blue-book.
Unless you're REALLY attached to this particular vehicle, you may be better off just negotiating to a better deal on the total loss considering that it runs, the engine appears sound, etc. That WILL affect how much they can sell the salvage for, so stick do your guns. There are a lot of mid-milage CRDs on the resale market right now and you might just end up coming out ahead if you look for a good deal.
Also, if you're a project kind of person, it's possible you can take the total loss claim, get paid out, and offer to buy the totalled vehicle back from them for parts. You wouldn't want to keep it as a daily driver with that title, but there's probably a decent market for running VM2.8s with complete engine control and drive train in the builder market.
Dan
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2005 Silver CRD Limited

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