Long read, but i need opinions and advice:
K, heres the deal. my work might cover this, they might not, i wont know for like a week or maybe 2 (i cant have my car down that long). the managers are dead set on helping me out regardless of what happens. they be gunnin' for me! so i got that estimate ($8,308.88) and i think its a bit high, but that is a top end body shop. so my insurance guy says that this might not be a "chargeable event" which would mean ide get all the work done with no increase in my rate, just have to pay the deductible. KBB says my car is worth 9700 in good condition and 10500 in exelent condition for private party (i dont know what value the insurance companies go by). from what i can see my baby is never gonna be the same. so if BJ's doesnt cover it i want to total it as a none chargeable event and get a new car. i still owe about 3000 on my car and if i got 9700 for my car ide have to take out another 3000 dollar loan to buy the new car i would get, and pay the deductible. idealy i would want to total it and have BJ's cover the deductible and difference in price (what i got from my insurance vs. what i payed for it), so give me $3500 including the deductible, but i dont know how realistic that is. i dont know if ide be able to afford my car payment doubling. my dad is really trying to not get it totaled. so i still need to figure out from my insurance company if its a non-chargeable event and all that shit, i need to get another estimate or 2, and i need to find out how much help im gonna get from BJ's. god damn this sucks! also, is there anyway for me to get the money out of the mods i have on the car, theres like close to 3000 worth on it and i dont want to lose all that money. thanx guys!
K, heres the deal. my work might cover this, they might not, i wont know for like a week or maybe 2 (i cant have my car down that long). the managers are dead set on helping me out regardless of what happens. they be gunnin' for me! so i got that estimate ($8,308.88) and i think its a bit high, but that is a top end body shop. so my insurance guy says that this might not be a "chargeable event" which would mean ide get all the work done with no increase in my rate, just have to pay the deductible. KBB says my car is worth 9700 in good condition and 10500 in exelent condition for private party (i dont know what value the insurance companies go by). from what i can see my baby is never gonna be the same. so if BJ's doesnt cover it i want to total it as a none chargeable event and get a new car. i still owe about 3000 on my car and if i got 9700 for my car ide have to take out another 3000 dollar loan to buy the new car i would get, and pay the deductible. idealy i would want to total it and have BJ's cover the deductible and difference in price (what i got from my insurance vs. what i payed for it), so give me $3500 including the deductible, but i dont know how realistic that is. i dont know if ide be able to afford my car payment doubling. my dad is really trying to not get it totaled. so i still need to figure out from my insurance company if its a non-chargeable event and all that shit, i need to get another estimate or 2, and i need to find out how much help im gonna get from BJ's. god damn this sucks! also, is there anyway for me to get the money out of the mods i have on the car, theres like close to 3000 worth on it and i dont want to lose all that money. thanx guys!
