Bjbspong

The managing adjustor has to agree to an auto being a total loss; field guy usually cant make that call and he wont use any terms that could bind the company - when they use the word probable the odds are rly high that manager will sign off on total loss and if they use the word possible the odds are usually not in favor of total loss based on initial review. They're always exceptions of course. But probable is good word to hear right now in regard to an insurance claim. Im not saying u wont end up in a battle thou,

Bucko

Your insurance claim has nothing to do with the dealership. If anything they will be stoked to get your business twice. They are still getting paid by the bank for your first sale. It doesn't matter that your sale price was only $14k (if i remember right from previous posts). You will get either MSRP value or current retail ammount (that would be dick by the insurance co.). Either way, your gunna get a check for the value, that in part will pay off the bank and the rest goes to you for a down payment on your next vehicle. If all fairs well, this shouldn't cost you a penny more. If anything, mention that you have already given them business once this month and they should give you a better deal on the second sale!

Typically that is the case with most vehicles due to the fact that they are unibody. I have seen an H3 get a whole new body because the frame and driveline were still ok. I would push for the total loss, I doubt the frame scaved away from any damage!

Slob

atleast your alive to tell the story man. could have been alot worse.

1FoxyJK

I'm assuming police were involved so either they or you pursue suing them. There's something about if an un-insured person hits you & the police are involved then they have to pay some huge penalty to you & you can sue them big time. This might be just a Virginia thing though. I'd check on that...definitely if your insurance rate goes way up from this.

Glad you are still here with us.

IcyFridge

I would go for a lawsuit on the guy with no insurance.

lensstj

Just guessing if the guy had no insurance he probably doesn't have any money to sue for... You spend the money to sue but get nothing in return.

To the OP you will be very lucky to get sticker and chances are you will be very lucky to be able to get into another 2012 without taking some loss. They will pay you what they think a now used 2012 is worth...
Most of the time you can get the dealer to 1% below invoice maybe a little lower. Hopefully whatever the insurance says it is worth is what you can get the new one at.

MTG

Sorry to hear about your ordeal.

I missed a few pages so sorry if its been covered. Did you have gap coverage on your insurance? If so, you should be made whole.

IcyFridge

Right. However, the law ensures that the person suing will be entitled to some money somehow. Perhaps the guy will have to sell his house or something.

And as for the Insurance coverage - they might give you a check on what a brand new vehicle would cost.

I traded in my first Cherokee for a 2004 WRX and 2 months later I rolled the car avoiding a drunk driver. The dealer gave me a check for 19,000 which was the cost of the car new. (I was still paying monthly payments). I paid exactly 19,000 for the car.

I used that money to buy myself another Cherokee.

scooby snacks

The adjuster called today. The Jeep is totaled... she is working with a 3rd party auto evaluation company and should have a number for me by tomorrow. I told her (with humility) my expectations which is full sticker price plus tax, tag and registration. Again, there is no guaranty that I can negotiate the same deal with this dealer or any other. In fact there are only 2 Cherry Rubicons in the state of NC and both are much higher in price than mine and both at least 3 - 4 hours away. I may have to go up North to pick one up. She indicated she understood my request... but of course I know it is up to what the evaluation company says.

Hopefully this will work out in my favor. I will keep everyone posted!!

1FoxyJK

Come up to Virginia we have a few huge Jeep dealerships with that color.