Need major advice

[ramairgt19]

ok so i get a called from my insurance co today telling me they have decided to write my car off from my accident..WTF ARE U KIDDING ME ....i need a new bumper side panels and hood so whole front end of the car basicly .they are saying the parts will be worth more then my car....there saying my car and will give me a cheque for $4200. um i am pissed first off i can't afford another car ..second i know its a 2000 grand am 150,000km but trust me thats my baby she in great shape ....now i went to the shop and the guy who runs it was a total ****.i asked him why he never called me ? i had to go clean my car and take my items out of it...he told me monday its going to the scrap yard what a min not so fast i want a second option i feels something wrong maybe its just me but what do you guys think....and also they debadge my car all gt and grand am badges where already taken off when i got there wtf is that...the guy hjust walked into his office and thats it....i feel like there going to turn around fix it and sell it so i told him since ITS STILL MY CAR DO NOT TOW IT I WILL BE PICKING IT UP MONDAY i am fuming mad so what do you guys think i personally think parts aren't that much anyway any advice or tips please i am going crazy

[boost21]

I saw one that got into bender and for one fender, header panel, headlight, front bumper and some other small things it came to almost 3 grand.

for a 00 with that many miles, bluebook might be right around what your looking at.

[ramairgt19]

great well when i seen them already take all the badges off my car when i am still the owner i was pissed and i just want another shop to look at it if its a write off sucks but what can i do i got the worst end of this accident big time

[boost21]

Def, accidents really are never a pleasant experience. If anything maby you can get a little more out of it with another estimate. As far as the shop taking the badges off I would start chaos if that happened to my car.

[ramairgt19]

well thats my plan monday i want it sent to another shop if its a write off fine i am just thinking this place is like a chop shop and trust me when i seen my badges gone and i asked he had nothing to say and i told him that my car i signed nothing yet to say different and the insurance co will be told what they did striped all my badges

[gtdreams]

They took the badges off already ???Something seems wrong there,they are probably gonna try to make some $$$$ off of your misfortune.Let us know how it goes monday,they seem to be up to no good....

[GrandAmC9]

as far as the shop taking the badges off i would start chaos if that happened to my car.

x2!!!!

[gtdreams]

x2!!!!
x3,some heads would roll !!!

[ramairgt19]

thanks ya even my father and father in law when they heard they took the badges off they both said the exact same thing something doesn't smell right........ i personally feel there going to **** me ... so i left a message not to scrap MY CAR STILL and left a message with insurance co ...going to be a fighting monday and i hate monday as it is lol

[gtdreams]

Good luck monday ,update us on the situation.

[Bryan]

That's a sh!tty situation, but if you get $4200 for the thing I'm sure you could go pick up another GA with less miles.

[intmd8r]

Even though the offer from the insurance company seem wrong, they are within their right to offer to scrap the car. Insurance companies look at the "book value" of your car, and the repair bill from the body shop. Often times the insurance company will offer to buy out and scrap the car if the total repair is greater than 45% of the "book value" of the vehicle. When my car was hit on the street (my car was parked on the side of the road), I needed to have the front bumper and drivers side fender replaced. The total cost of the repair was over $1,700, so $3,000 seems high, but not totally unreasonable if your body shop is using OEM parts. If they feel that your car is worth $4,200, then they have already made their decision.

From my experience, it is common courtesy for the shop to tell you about the work that they are performing to the car, BUT it is the insurance company that is paying for the repair, so they are obligated to discuss the details with them first. I would say that you need to get things straightened out with your insurance company first! The shop doing the repair is obviously trying to screw your insurance company, and the only person who will be directly affected is you!

In Ontario, when a Insurance company decides to scrap the car, the car owner has a small window to remove his/her personal property from it. When that window is cosed, the car and all of its contents become the property of the insurance company. From there, the insurance company car crush the car, or sell it at an auction.

What this means is that the shop can not remove any part, sticker or emblem, without purchasing the car in full from the insurance company first! What they are doing is against the law! If the insurance company has sold the car to the body shop before you have made up your mind about keeping the car, then that is against the law too!

Where you might be screwed is if you/and/or the insurance company has already signed off on any repairs. Without giving away any personal information, who is the insurance company, and body shop? We should warn other Canadian GAGT owners about these crooks!

[PhantomLover007]

Why in the fock would they take the badges off?

[ramairgt19]

mecury auto body shop located in whitby ....and ya took my badges off just the whole thing i feel i am being screwed over big time...like honestly my car was in great shape very clean i took care of my car like i am sure you guy do and for them to write it off when i now it can be fixed pisses me off so again tomorrow morning it starts ..i left a message for them to put my bumper back on becase i am gettitng it towed either to my house or dealership or anything shop so i will let you guys now tomorrow whats happen

[ramairgt19]

well nothing i can do looks like....insurance co stated a adjuster was there and the total cost for repairs would be $4200 so they classified it as a write off...i mention how they took the badges off already without me signing or agreeing to anything..they stated "we will look into that " ya right those f'k know will fix my car and re sale it i bet i am f'k so bad no car hardly any money coming back to me like worst thing that could happen ...so i got f'k over being rammed by a lady running a red light unbeilevable ....how i have to shop for a new car

[Lab Rat]

Make sure you have to let it go. In the states, I believe, you have the opportunity to buy back your car for their salvage cost. I would think it would be 1000 or less. Then take their offer and repair it yourself. Sucks but usually we take it up the a$$ whenever you have to deal with insurance/accident. Good luck on whatever you do.

[intmd8r]

You can also buy it back from the insurance copany in Ontario as well, but it's not worth it. For instance, the insurance company would give you $4,200 for the car, and you can buy it back from them for say $1,500. You would still need to spend $4,200 in repairs for the car, and you would not be able to sell the car if you so wished, because it would be "branded" as a rapaired write off. Some insurance companies will also make you sign a contract when you buy back the car from them saying that you will dispose of the car to the scrap yard, at your cost, when you are done driving the vehicle. The idea there is to prevent you form selling it, whether or not hte car is in perfect worokign condition to another buyer, who may or may not file a claim against the car.

[intmd8r]

BTW, there are some nice GAGT's for sale right now in Souther Ontario for under $5,000! :angel