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So, I managed to kinda hit a guardrail this August with my '05 Elise. Long (very long) story short, G**co will not cover "racing" but they determined that an open track day is not competitive, so they'll pay for the damage and the guardrail!
Currently I face a win-win situation: if they total it, I stand to actually make a little bit (which is fair since I bought a fixer-upper which I have largely finished and prices have gone up considerably). If they want to repair it, I'll end up with a nicer car (the previous body work was a little sketchy).
My predicament now is they have valued the car higher than I could probably sell it for, so it would be best for me if it totaled. However, the shop seems to be estimating on the low side so the car isn't totaled. I've seen before where a shop charged $18k for a rear clam replacement, and these guys are charging $15k for a window, door, front clam, rear clam, wheels, and some other bits like control arms and labor.
Has anyone gone through this before with their insurance? I don't want to steal work from the shop, but I also was planning on selling the car soon anyways (I need something that is cheaper to wreck since I apparently need to work on car control).
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Currently I face a win-win situation: if they total it, I stand to actually make a little bit (which is fair since I bought a fixer-upper which I have largely finished and prices have gone up considerably). If they want to repair it, I'll end up with a nicer car (the previous body work was a little sketchy).
My predicament now is they have valued the car higher than I could probably sell it for, so it would be best for me if it totaled. However, the shop seems to be estimating on the low side so the car isn't totaled. I've seen before where a shop charged $18k for a rear clam replacement, and these guys are charging $15k for a window, door, front clam, rear clam, wheels, and some other bits like control arms and labor.
Has anyone gone through this before with their insurance? I don't want to steal work from the shop, but I also was planning on selling the car soon anyways (I need something that is cheaper to wreck since I apparently need to work on car control).
Sent from AutoGuide.com Free App