car totaled, not involved

[RyanMEmperor]

What is the name of your state? Illinois. I woke up the other day to find that my car had been involved in an accident outside my home in the early morning hour, while I was sleeping inside my house. A drunk driving 17 year old girl had taken a corner to fast slamming her 1995 dodge avenger into my recently purchased 1992 ford explorer with 60,000 miles and in excellent condition, knocking my truck into the yard across the street. I paid $4200 for the explorer, 2000 cash, and 2200 borrowed. Her insurance company is Statefarm, and they are telling me that the estimate handed down from the collision repair company deemed my truck "totaled". The estimate for complete repairs is $3200 and some change, they are telling me that my explorer is only worth $2500 and some change, leaving me, who had nothing to do with this, to pay the remaining balance of $700. Is this right? I dont understand why I should have to pay anything at all. I have filed claims with both Statefarm (hers) and AAA (mine) I have AAA sending out a estimator to the body shop where my truck is located to re-estimate. If the initial estimate holds up, and I am in fact responsible for the remaing charges, can I take the girl's parent to court to get retributions? Here's some more information that will help: the girl was charged with a "zero tolerance" DUI, and I borrowed the $2200 from my father so I opted for liability insurance. If anyone can help me I would really appreciate it.What is the name of your state?

 

[moburkes]

Yes, it is right. You need to prove that similar vehicles would cost similar prices. Present that proof to the adjuster.

 

[RyanMEmperor]

Yes, it is right. You need to prove that similar vehicles would cost similar prices. Present that proof to the adjuster.[Thanks, anyone else??
]

 

[moburkes]

They are telling you that you overpaid for your vehicle. They are not responsible because you paid more than what the vehicle was worth. You will need to do legwork to prove them wrong.

 

[FlyingRon]

The KBB puts a typically configured 1992 Ford Explorer (4WD) at $3750 retail. Not as much as what the poster paid, but more than they are offering.

 

[RyanMEmperor]

right, but i think they are giving me a "private party" value, not "retail"

 

[JustAPal00]

The KBB puts a typically configured 1992 Ford Explorer (4WD) at $3750 retail. Not as much as what the poster paid, but more than they are offering.

I put in excellent condition, 4 door, automatic, and came up with $4000