Wow, I thought I had posted in here, but guess not.
So the insurance process has been....fun.
When I went to drop the vehicle off on the 21st of September, both the insurance company and hail shop said to drop the car off and they'd get my rental car for me. Great. Drove up to the NE to the hail shop, give them my keys, they tell me the appointment will be about 45 min to an hour. It was just an apprasial appointment. Great. So I waited about an hour, they came out and showed me the report. The cost for them to do what they could was sitting at about $4800. They also let me know they found cracked paint on the roof, so it will most likely have to go to a body shop to get it repaired and it'll probably get written off. Said I should hear back from the insurance company within a couple days.
I waited about a week and a half before I decided to call for an update. Called my insurance company on the 1st to figure out whats going on. They said that a Total Loss Adjuster would be in touch with me within 2-3 business days. I asked if that meant that the car was getting written off, they said it looks that way.
Waited another week...no calls. Called them again. Same thing, they said I would get a call within 1-3 business days. I explained that I was told that before with no phone call. They then realized that they forgot to assign an adjuster to my claim. Said they were going to get an adjuster on it right away and I'll get a call within 2 days.
Waited again, decided to call today to figure out what the hell is going on because I still hadn't received a phone call. Called yesterday afternoon, waited on the phone for 45 min before I hung up. Finally get given the name of my adjuster and his direct phone number today after calling in the morning. Called him and left a voicemail, sent him an e-mail too. No response. Called a couple more times throughout the day, no answer, just voicemail. Figured I'd wait till the end of his day to get in touch with him since he seems very busy. Call back closer to the time he was going to be leaving the office and get a different voicemail message saying he's going to be on vacation starting tonight until October 29th.
At this point, I'm so uckfaying annoyed its not even funny. Called back, waited on hold for 20 minutes before they answered, explained my situation, explained how they kept pushing things back further and further and now this guys going on vacation for 2 and a half weeks? No, I need an answer now. It's basically been a month and a half since I filed the claim originally and it's gone now where. They finally got me in touch with a supervisor on shift to go through everything.
SOOO the car is officially a write off. They gave me an amount to sell the car to them to salvage and a 17% lower buy-back price. The good thing about if I buy it back, the car wouldn't be branded as a salvage title, so it'll be a clear title if I go to sell it. They said it would've cost a little over $10K to repair the dents and fix the cracked paint on the roof.
I talked to the wife and we're going to take the buy-back payout, fix the car up a bit. Try one of those cheap DIY dent repair kits and see if we can pop some of the dents out, we're going to fix the cracked paint ourselves and then probably wrap the roof with some vinyl. Or I may just fix the mechanical issues and list it for sale with the hail damage and the paint issue.
We have our eye on another vehicle for our next daily driver/project. Not going to really say anything about it until its purchased and worked on.
