saltbranch":3oj7umjy said:
My oldest son (18 yrs old) was ran off the road and I am pretty sure the car will be totalled. Thank the good Lord he is sore but safe and sound. His car was 05' Chrysler Crossfire Roadster with 55k miles on it. I have full coverage thankfully, since the jerk left the seen and cant be found. Car hit some big curbs, frame is bent I think, doors wont open, passenger front tire pushed into floorboard, air bags deployed etc. Progressive will be picking car up tomorrow to take to their designated place.
Our insurance is Progressive. What should I expect? This car was clean, like show room clean. We just did a drive in show in San Antonio.
Do you have pictures from the show you did? If you can show it was in better condition than the typical car its age, you may be able to goose the pay-out out a little. It also is pretty low mileage for its age, which should help. Can you show it was babied (only driven locally, or garaged winters, etc)?
One thing you should remember--VERY IMPORTANT----you say your son is sore but safe and sound, and I'm very glad for that. However, one of the things your insurance co. will likely ask you to do is to sign off on any medical claim. (They'll offer to pay you $X for your totalled car, but often buried in the fine print is a medical release). Keep in mind that soft tissue injuries, etc. can take awhile to manifest sometimes. (I still have intermittent back problems from being rear-ended almost 20 yrs ago, by a 16 yr old on a cell phone). Make sure you/your son know what you're signing. You/he may be comfortable waiving any medical claim, but if so, you should do it knowingly, and preferably after enough time has passed that he and his dr. are absolutely sure (well, as much as you can be) that he won't suffer adverse effects (whiplash, etc) further down the road. Once you've signed off on medical claims, if a delayed injury shows up, you're generally on your own, so please beware! They may likely push for an early resolution, and try to convince you they can't give you the $ for the car unless you sign off on the medical. My understanding is that you are entitled to settle those 2 issues separately, and it is sometimes better to do so (or at least wait to make 100% sure you don't have a medical claim).
Does the car have one of those boxes that gathers info on the speed etc at the time of accident, the person's driving habits, etc? Just something to keep in mind...
Best of luck, and glad your son is ok!