Insurance Problems NEED everyones Help. PLease read!!!

[240Knightrider]

The insurance lady doesnt want to give me the worth of the car. They only gave me $2600 for the car. I need some 240s that are similar to mine that are or above $3000. I have already done a long search and was hoping someone has something I dont.

needs to haveclose to 220k miles and is in good condition.

She said if i find them they might think about raising how much I get.

Thanks in advance!

[BoyWonder]

That's kind of high for a 220k car.. maybe if a dealership was selling it? Or perhaps someone in California?

[240Knightrider]

yeah thats what I need, websites of dealerships that are selling them at that price or higher. I need something that (if I was going to buy another one right now) how much would it cost me to buy another one, that includes tax and stuff.

[SilviaS14KA24DE]

oh, go to autotrader, and look for the dealerships that sell it at those prices

[C-Kwik]

Perhaps you should consider the reason why you can't seem to find 240's at $3K+ in a comparable condition(They may not be worth that much). And it will be hard to find them at dealerships considering your car was 12 years old. They will make very little money trying to sell such an old vehicle and even if they have one on the lot, advertising it would be somewhat of a waste.

[silkk]

i see dealers on autotrader who sells theirs for 5000+ for a '92

[AnotherSRLemming]

240 prices are pretty outrageous here... I'll see what I can find.

[MECPInstaller]

hey i could always make a fake autotrader post for a crazy amount for you.... or is that illegal?Wait sorry i'm retarded you need an actual dealership quote. Maybe find a dealership and bribe them alil to bump the price quote up to a nice number then show the insurance company.

[AnotherSRLemming]

Heres one

Dunno if I was any help, but there you go.I didn't see any from a dealership.

[rebelgtp]

i just bought mine and they were asking $3000 at a dealer. its a 91 with 174,000 so you are looking for one with a few more miles

[fuzion]

Mine was $5k from a dealer, 93 w/ 98k miles when purchased

[C-Kwik]

You have to consider all factors. Mileage, condition, options, etc. And provide a few examples of it. One oddball ad is not necessarily going to change it. People can ask for whatever they want, but doesn;t mean they will get it. Some sellers ask way too much. On a claim I handled once, I argued with another insurance company about what they paid out. They based their payment to their own insured on the highest value they found listed in a classified. All the others were significantly less and those cars were in better condition. So on a hunch, I called the people who were selling the car. This was probably about 5 months after the ad was in the classifieds. The person who put the car up for sale still had the car. Noone paid what they asked. The seller took it back off the market.

What you are trying to show with comparable ads is not the highest price it is advertised for. But rather what it is consistently selling for. And you do not need to find a perfect match. You can manually make cost adjustments based on statistical numbers on how certain conditions affect the value. It's best to find as many close matches as possible, but you don't usually find a lot of cars that are that similar. Unless it's a model that sold very high numbers.

[SilviaS14KA24DE]

my autotrader idea worked

[Bubba1]

I agree with C-Kwik, I think you'd have to prove a trend and the cars would have to be similarly equipped and in the same condition/mileage. A single random example is likely not enough. Then again I don't believe Insurance companies even base payout claims on retail prices at dealerships anywayIMHO if you wanted to base your policy on the dealer retail replacement price (or full replacement cost) instead what the insurance company uses (blue book, red book, whatever), you might have needed to establish that clause upfront when you got that policy. Of course that would have translated into higher premiums as the insurance company's risk would have been higher if a claim was filed. I recommend checking your policy's fine print to see what they base their claim payouts on. That's all they're contractually obligated to pay you. Personally, I think $2600 is pretty good for a 12 yr old non-collectible car with so many miles. Good luck

[240Knightrider]

The insurance is State Farm and its not my policy. its the ladys who caused it. But the lady just said If I can bring a few examples of a similar car and show them to her. Well over the phone of course.

Thanks for all the replies. I appreciate it.