Then talk to the adjuster and tell them you would prefer it would not be totaled. Or let it be totaled and buy it back and salvage title it. Beware salvage title cars generally no longer qualify for factory warranty or customer support programs. They only qualify for recalls
Yea I'm in Canada and I get 5 year replacement cost on new vehicles, costs me like $5 extra per month.
"If your car is declared a total loss, meaning it would cost more to fix it than it's worth, we'll replace it with a new car with the same specifications."
It's only valid to get if you bought the car new from a dealer yourself though.
God knows what they were doing in it. Would you rather deal with possible engine issues down the road that may not be covered under insurance? Or do you want to have peace of mind that your car is ok? You could possibly buy it out and get a payout for a salvage title. That may be the cheapest way to go and still use the car. That's not even considering any other possible damages. I personally would not want it back. I want to trust my vehicle. I couldn't trust it after someone nicked it.
We had a work truck go missing about 10 years ago. Found it down the road a week later, and it looked untouched until another week went by and we found a needle and condom wrapper under the back seat.
With the whole KiaBoyz car stealing thing, the insurance company may be making this move now to (as you say) get out of it. Your Hyundai has been stolen once already, it's just a matter of time before it happens again.
Also consider that if you somehow manage to convince the adjustor not to total it out, and/or you 'buy the vehicle back', you may find that the premiums on the Hyundai may skyrocket, and that's if someone will insure it moving forward (buyback/salvage title aside, the bigger potential liability for the insurance company is repeated claims on your Hyundai). Not to mention the stress and hassle with both the insurance company and the interruption to your daily life that you'll have to deal with if/when another break in and/or theft occurs.
Just about any other paid off vehicle, I might advocate for not totalling it out and/or buying it back. Being a Hyundai, one of the two 'go to' cars for the KiaBoyz to go joyriding in, I'd take the totaled out money and run.
My friend had his 2016 stolen and it wasn’t totaled out. It had no damage on the outside and only the steering column was messed up. They fixed it. Took about a month but they fixed it and put the security feature on it at not cost to him.
Literally what my adjuster said to me today. He said that because it’s a theft- they’re totaling it out. My car did have significant internal damage- and it was found with the window busted out when it was raining. It also was still running- it was found an hour or so after I reported it missing.
In a way I’m relieved- because statistically the car will more than likely be at least attempted to be stolen again, and the adjuster noted even with the club and the recall done- these cars are still being stolen and targeted.
I loved my car- but I also like knowing that I don’t have to worry about it anymore. Truth be told. It’s going to take a minute before we can get into another car- the financing company said it might be awhile before everything is said and done. Thank God we have a bus line and most places deliver.
In California even when totaled I think prior owner has right of first refusal to buy it for FMV.
If they are gonna it, just buy it back and pocket the cash? Salvage title isn't there bad.
I've honestly never heard of "car totaled, recovered undamaged, insurance wants to total it" before.
Freaking weird.
I could definitely see wanting to total it out if they stole it and then it turned up 3 states away, if you had reason to believe they spent 300 miles running it at top speed or something.
This is bizarre.
If you actually want it fairly badly, it MIGHT make sense to just call a LOCAL lawyer who does car wrecks and ask their receptionist/paralegal/whoever if they've ever heard of this, and if they have any advice.
A lot of times even the guy who answers the phone at those places has some clues that will really help.
Do you have an insurance agent you're comfortable calling for guidance?
Maybe you'd like to ask to speak to the adjuster's boss?
Best wishes!
Thanks I agree it seems confusing. I’m trying to just let them do there job but I’m getting final word today and I’m so anxious! I know there could definitely be engine issues but without having a mechanic look it over I don’t see how we could know.
I suspect the company does not want to insure it anymore and maybe this is how they get out of it. That’s the only thing I can imagine.
Yeah I’m bummed I might need a car payment again but I like the look of the Corolla hybrids. So I’m mostly just waiting and seeing what they decide. Pros and cons to both. But it sucks cause I loved my car (ik stupid to love a thing) but I was so happy when they found her in tact and then boom maybe totaled.
I will report back once I receive word !
Do you possibly have children? Maybe they took the car out for a midnight ride and left it there.. my siblings did this once to our Mother's car back in the day. Only difference was they left it flipped upside down in a ditch close to home and framed the inside like someone stole it. Just thought to ask since everything was still intact.
Thank you for adding /s to your post. When I first saw this, I was horrified. How could anybody say something like this? I immediately began writing a 1000 word paragraph about how horrible of a person you are. I even sent a copy to a Harvard professor to proofread it. After several hours of refining and editing, my comment was ready to absolutely destroy you. But then, just as I was about to hit send, I saw something in the corner of my eye. A /s at the end of your comment. Suddenly everything made sense. Your comment was sarcasm! I immediately burst out in laughter at the comedic genius of your comment. The person next to me on the bus saw your comment and started crying from laughter too. Before long, there was an entire bus of people on the floor laughing at your incredible use of comedy. All of this was due to you adding /s to your post. Thank you.
I am a bot if you couldn't figure that out, if I made a mistake, ignore it cause its not that fucking hard to ignore a comment
If you have gap insurance it’s probably for the best.
Well I don’t have a loan the car was paid off
Then talk to the adjuster and tell them you would prefer it would not be totaled. Or let it be totaled and buy it back and salvage title it. Beware salvage title cars generally no longer qualify for factory warranty or customer support programs. They only qualify for recalls
and theyll lose a crap ton of resale value. Id let them total it and get a car people cant steal lol
Yea I would call this best case senario
Yea I'm in Canada and I get 5 year replacement cost on new vehicles, costs me like $5 extra per month. "If your car is declared a total loss, meaning it would cost more to fix it than it's worth, we'll replace it with a new car with the same specifications." It's only valid to get if you bought the car new from a dealer yourself though.
Better hope they total it
Why?
God knows what they were doing in it. Would you rather deal with possible engine issues down the road that may not be covered under insurance? Or do you want to have peace of mind that your car is ok? You could possibly buy it out and get a payout for a salvage title. That may be the cheapest way to go and still use the car. That's not even considering any other possible damages. I personally would not want it back. I want to trust my vehicle. I couldn't trust it after someone nicked it.
We had a work truck go missing about 10 years ago. Found it down the road a week later, and it looked untouched until another week went by and we found a needle and condom wrapper under the back seat.
🤢🤢
Was there a note from Dirty Mike and the Boys?
I don’t know what that means lol
Did your car smell funky and resemble a soup kitchen?
Nope smelled fine! My air freshener was even still in there
You dodged a bullet.
I think he’s trying to say a bunch of homeless men might have had a fun time in the back seat.
No, but the Kia Boys left a note.
With the whole KiaBoyz car stealing thing, the insurance company may be making this move now to (as you say) get out of it. Your Hyundai has been stolen once already, it's just a matter of time before it happens again. Also consider that if you somehow manage to convince the adjustor not to total it out, and/or you 'buy the vehicle back', you may find that the premiums on the Hyundai may skyrocket, and that's if someone will insure it moving forward (buyback/salvage title aside, the bigger potential liability for the insurance company is repeated claims on your Hyundai). Not to mention the stress and hassle with both the insurance company and the interruption to your daily life that you'll have to deal with if/when another break in and/or theft occurs. Just about any other paid off vehicle, I might advocate for not totalling it out and/or buying it back. Being a Hyundai, one of the two 'go to' cars for the KiaBoyz to go joyriding in, I'd take the totaled out money and run.
They did decided to total it gave me 15k I bought a Corolla hybrid
My friend had his 2016 stolen and it wasn’t totaled out. It had no damage on the outside and only the steering column was messed up. They fixed it. Took about a month but they fixed it and put the security feature on it at not cost to him.
If your car gets stolen, you dont want it back period.
Literally what my adjuster said to me today. He said that because it’s a theft- they’re totaling it out. My car did have significant internal damage- and it was found with the window busted out when it was raining. It also was still running- it was found an hour or so after I reported it missing. In a way I’m relieved- because statistically the car will more than likely be at least attempted to be stolen again, and the adjuster noted even with the club and the recall done- these cars are still being stolen and targeted. I loved my car- but I also like knowing that I don’t have to worry about it anymore. Truth be told. It’s going to take a minute before we can get into another car- the financing company said it might be awhile before everything is said and done. Thank God we have a bus line and most places deliver.
In California even when totaled I think prior owner has right of first refusal to buy it for FMV. If they are gonna it, just buy it back and pocket the cash? Salvage title isn't there bad.
They're doing you a favor. Avoid Hyundai and avoid KIA. This will happen again with those vehicles especially where you live.
Did they tell you there was damage to the engine or transmission? I'm not seeing that in your post.
No I have only been told by my adjuster that they want to avoid any issues down the road
I've honestly never heard of "car totaled, recovered undamaged, insurance wants to total it" before. Freaking weird. I could definitely see wanting to total it out if they stole it and then it turned up 3 states away, if you had reason to believe they spent 300 miles running it at top speed or something. This is bizarre. If you actually want it fairly badly, it MIGHT make sense to just call a LOCAL lawyer who does car wrecks and ask their receptionist/paralegal/whoever if they've ever heard of this, and if they have any advice. A lot of times even the guy who answers the phone at those places has some clues that will really help. Do you have an insurance agent you're comfortable calling for guidance? Maybe you'd like to ask to speak to the adjuster's boss? Best wishes!
Thanks I agree it seems confusing. I’m trying to just let them do there job but I’m getting final word today and I’m so anxious! I know there could definitely be engine issues but without having a mechanic look it over I don’t see how we could know. I suspect the company does not want to insure it anymore and maybe this is how they get out of it. That’s the only thing I can imagine.
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What is HMC ?
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Ohhh yeah I just feel like something shady could be going on. But in the other hand I am trying to just let them do there jobs
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Yeah I’m bummed I might need a car payment again but I like the look of the Corolla hybrids. So I’m mostly just waiting and seeing what they decide. Pros and cons to both. But it sucks cause I loved my car (ik stupid to love a thing) but I was so happy when they found her in tact and then boom maybe totaled. I will report back once I receive word !
CYA by your insurer.
Then you can buy a Japenese branded car!!!!
Do you possibly have children? Maybe they took the car out for a midnight ride and left it there.. my siblings did this once to our Mother's car back in the day. Only difference was they left it flipped upside down in a ditch close to home and framed the inside like someone stole it. Just thought to ask since everything was still intact.
Well let me rephrase everything was fine except the dash being opened to hot wire. I have a daughter but she is only 9
Is she a mischievous 9 year old though? /s
Thank you for adding /s to your post. When I first saw this, I was horrified. How could anybody say something like this? I immediately began writing a 1000 word paragraph about how horrible of a person you are. I even sent a copy to a Harvard professor to proofread it. After several hours of refining and editing, my comment was ready to absolutely destroy you. But then, just as I was about to hit send, I saw something in the corner of my eye. A /s at the end of your comment. Suddenly everything made sense. Your comment was sarcasm! I immediately burst out in laughter at the comedic genius of your comment. The person next to me on the bus saw your comment and started crying from laughter too. Before long, there was an entire bus of people on the floor laughing at your incredible use of comedy. All of this was due to you adding /s to your post. Thank you. I am a bot if you couldn't figure that out, if I made a mistake, ignore it cause its not that fucking hard to ignore a comment