What is the name of your state? New York
I had a 2004 Toyota 4Runner. I kept it in great shape. I have every record from the day I bought it and it was maintained in great shape. It's a 14 year old vehicle and it just went over 104,000 miles, when average would probably be more like 168,000 - 210,000. The truck had all the premium extras when I purchased.
A dump truck backed into me at a red light and he was carrying asphalt. It took out my bumper, bumper grille & both front quarter panels and a lot of damage underneath. So I got a call this morning from the insurance company, in which I went 100% through his insurance, and they said they are declaring it a total loss.
I want to ensure that I get the maximum value deserved. I am getting costs of similar vehicles throughout my area, as many as possible. I've also got the typical quotes from Edmunds & KBB. But I am still afraid that his insurance company will offer me the lowest of value possible.
I'm to understand that this is negotiable, but in what manner I am unsure. I just want to ensure that I am made whole in all of this, as I intend on moving on with a 2018 4Runner. With the quotes from the typical agencies, and from quotes throughout my general area, what are some things to keep in mind to try and maximize what check they give me at the end of all of this?
Thanks much for any assistance!!
-Jim
I had a 2004 Toyota 4Runner. I kept it in great shape. I have every record from the day I bought it and it was maintained in great shape. It's a 14 year old vehicle and it just went over 104,000 miles, when average would probably be more like 168,000 - 210,000. The truck had all the premium extras when I purchased.
A dump truck backed into me at a red light and he was carrying asphalt. It took out my bumper, bumper grille & both front quarter panels and a lot of damage underneath. So I got a call this morning from the insurance company, in which I went 100% through his insurance, and they said they are declaring it a total loss.
I want to ensure that I get the maximum value deserved. I am getting costs of similar vehicles throughout my area, as many as possible. I've also got the typical quotes from Edmunds & KBB. But I am still afraid that his insurance company will offer me the lowest of value possible.
I'm to understand that this is negotiable, but in what manner I am unsure. I just want to ensure that I am made whole in all of this, as I intend on moving on with a 2018 4Runner. With the quotes from the typical agencies, and from quotes throughout my general area, what are some things to keep in mind to try and maximize what check they give me at the end of all of this?
Thanks much for any assistance!!
-Jim