You might be able to collect on a negotiated totaled value and then buy the car back from them for a few hundred bucks and fix it on your own. What part of Virginia are you in? I know some guys down in the Roanoke area who will do those kinds of repairs good and cheap (but not fast LOL).
Jim
--- In diesel_mercedes@yahoogroups.com, "mahatmakanejeeves" <mahatmakanejeeves@...> wrote:
>
> Dear all:
>
> My insurance company determined my 1991 350SD is totalled following an encounter with a deer. Body damage is limited to the hood, grill, and driver's side headlight. Airbags are intact. All the assorted heat exchangers were damaged, which is the big cost to repair. As for the deer, well she didn't suffer after the 60 mph impact.
>
> The Virginia dealership I towed it to estimates $12K to repair. GEICO says its market value is $4.2K. That seems like a lowball figure to me. The NADA website says an "outstanding" example is worth $11K. Mine is a two-owner car with 100% books and records. No deferred maintenance and no amateurs worked on the car. Paint & interior 100%. I verified from dealer records the PO had the "excessive oil consumption" repair on the 350 motor and confirmed it with a compression test at purchase 11 years ago. Mileage at time of accident was 201K. I think it easily falls in the outstanding category.
>
> Anyway, to get to the point, can folks give me pointers on how to better establish FMV on a rare car with an insurance company? When I get to missing my SD, I have to remind myself it's an inanimate object.
>
> Thanks,
>
> MKJ
>
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