Totaled? Pics

[fvernet]

Years ago I worked as a Purchasing Agent in Ford's Occupant Restraint group (seatbelts and systems, airbags, etc.). Airbags deploy because of a sudden deceleration detected by micro-accelerometers imbedded on the circuit boards that control the system. From the picture and the damage to the front fender, it looks as if the blow came from the 4-5 o'clock position so that the force of the collision would have propelled the Espy forward (and to the left) and thus not imparting a sudden deceleration that would have triggered the airbags top deploy.

Of course, ALL I know is what I see on the picture - so I could be COMPLETELY wrong

 

[Suomycasino]

Is USAA the OP's insurance Co.? If so, why would they pay out if it was the other driver's fault?

That extra $10.7K Car Replacement Assistance line item at the bottom is interesting. Amounts to a 20% bonus

I’m the OP and yes USSA is my insurance. I choose to settle with my insurance for a quicker settlement and then they can go after the other insurance company for reimbursement.

I pay an extra $180 a year for the expy(each vehicle is different) for a +20% payoff.


Helped in this case as I owe 41k. And receiving check for 64k.

 

[Gumby]

I always get replacement value coverage (a separate rider) on my personal vehicle insurance. It's a bit of a gamble, but I have used it in the past. The insurance company simply paid out what an exact same vehicle was worth at the time of the loss but in the current model year - cash. The premium does increase every year as the vehicle ages. It's about year 5 that the coverage becomes overly expensive compared to what the vehicle is worth (depending on the vehicle of course)

 

[mwl001]

I’m the OP and yes USSA is my insurance. I choose to settle with my insurance for a quicker settlement and then they can go after the other insurance company for reimbursement.

I pay an extra $180 a year for the expy(each vehicle is different) for a +20% payoff.




Helped in this case as I owe 41k. And receiving check for 64k.

I had exactly the same thing happen but I have Farmer’s. I was rear ended on the highway so other driver was 100% at fault. His State Farm was paying for my rental car but once I learned my vehicle was totaled I had to go through my insurance to get the full 100% replacement coverage I paid for. Had to swap rental cars that day! Got my deductible back a year later.

I highly recommend full coverage. It’s usually good for the first 3 or so years from new and not that expensive. I guess not all insurers offer it?

 

[Demarrcus]

2015 94k miles SSV model bought used 83 days earlier, still bitter about that. It was Deemed totaled. Hit on a 45mph street by a girl who didn’t see a stop sign in a Ford Edge and turned the expedition around 180 degrees and threw it into the opposite lane, I wouldn’t be surprised if your newer model was deemed totaled if there is structural damage.

 

[Rossue]

Spent some time this AM getting a quote from USAA. As mentioned I previously had them for 15 years for Home/Auto 25 years ago. When given a motorhome by in-laws the rate with AAA was the same as USAA with no motorhome; they wanted an extra $900. Since then they have never been competitive, yet I know things change so called them. My auto quote was almost exactly double: $6700/year for four vehicles and a travel trailer with four drivers. AAA is $3540. Also they're HO jumped from $964 last year's quote to $1325. My AAA HO actually dropped $1 to $1124. The Auto doesn't have the 20% premium, yet looking at the OP's base figure of $49,200 is actually close to what one could replace that car for. On Cargurus I see a 2019 Max LTD 4x4 with 17K miles for $53,000.

It is great to have choices, yet in Biz 101 they teach you insurance is for the unaffordable loss. I cannot justify an extra $3500+/year for a 20% Comp premium. I hear about as many USAA ads lately as the Liberty Mutual and they've got to recoup those costs somehow; no free lunch as they say.

 

[michguy]

I have insured with USAA since 1972. My first vehicle with them was a 1973 SAAB 99 that we drove for three years while I was an Army dental officer in West Germany. Our residencies and autos have continuously been insured with USAA, and I believe that our only claim was when I whacked a deer with my wife's minivan a few years ago. They were great to work with. No complaints. However, I do believe that their rates may have become significantly less competitive over the years and the service is a bit less then in years past. One complaint that I have is that after I purchase a new car I find that as the car ages the insurance rate fails to decline as much as I would expect, considering the fact that the replacement value of the vehicle has obviously declined significantly.
A few years ago the government made USAA change their pool of insured. Originally USAA membership was limited to past and present commissioned and warrant officers. I can't say exactly when, but a few years back USAA had to open membership to anyone of any rank that had served in the military, as well as their sons and daughters.
This may sound a bit cold, but the fact of the matter is that the risk pool changed quite significantly with that membership change and it eventually was reflected in rates. One caveat with USAA however, is that each year members get back a portion of what they have paid in (based on financial results), and that reduces the net cost of insurance to some degree. So if you are eligible you need to take that into account.

 

[Rossue]

I had USAA in 1980 when I totalled my 1974 SAAB 99. They didn't raise my rates and had them for another 15 years. When shopping from time to time some agents didn't even want to bother quoting against them. Again, things change and depends on where you live. In California zip codes cannot be used anymore to determine rates. So in effect I subsidize LA drivers when I live in a much smaller area on the Central Coast. About as bad as No-fault IMO.

 

[Zig10]

Had USAA for years and loved them, but when we bought our first house they refused to insure it because we were too close to a 100 year flood plain. Not IN the flood plain, just too close to it by their standards. So, we ended up moving on. However, they did treat us well when we were members.

 

[Suomycasino]

Spent some time this AM getting a quote from USAA. As mentioned I previously had them for 15 years for Home/Auto 25 years ago. When given a motorhome by in-laws the rate with AAA was the same as USAA with no motorhome; they wanted an extra $900. Since then they have never been competitive, yet I know things change so called them. My auto quote was almost exactly double: $6700/year for four vehicles and a travel trailer with four drivers. AAA is $3540. Also they're HO jumped from $964 last year's quote to $1325. My AAA HO actually dropped $1 to $1124. The Auto doesn't have the 20% premium, yet looking at the OP's base figure of $49,200 is actually close to what one could replace that car for. On Cargurus I see a 2019 Max LTD 4x4 with 17K miles for $53,000.

It is great to have choices, yet in Biz 101 they teach you insurance is for the unaffordable loss. I cannot justify an extra $3500+/year for a 20% Comp premium. I hear about as many USAA ads lately as the Liberty Mutual and they've got to recoup those costs somehow; no free lunch as they say.

Your not wrong, i do feel like i am over paying monthly, but have been treated expectational well.

I had Gieco and it was cheaper. We had a power outage at home and neighbors had USAA. They received $500 for loss of food no questions asked, i received 0. So i decided to switch to USAA, and 4 days after policy swap, i was T-boned at a 4 way intersection, total loss of car. Rates did not go up. Wife hit a deer, i have had tree limbs fall on two different vehicles (live in the woods) and now this total loss. 48 hours after accident i have $ in the bank ready to pay off and buy a new vehicle.

Im a strong believer in you get what you pay for, as long as your not getting ripped off. and i don't mind paying a bit extra.