Same here in the UK. However they do now use ANPR and immediately confiscate uninsured cars . . . when they are spotted, which are then crushed if the owner doesn't insure them properly to be able to reclaim them from the pound.

 

That simply sucks. Going to keep it going?

 

How bad is it?

 

Considering mileage and age it is probably a total loss. I know the whole thing sucks and is unfair to you but it could have been worse. Glad nothing happened to you or other innocent drivers, can't say the same thing about the jack ass. Hopefully he'll pull his head out of his a$$ and wise up.

 

As long as the frame rails up front are not bent, and the mechanical damage is minimal, you can repair it with mostly bolt on parts. (assuming you like tinkering with cars)

I'm doing that right now with an Audi A6. Picked up a dead parts car for cheap, and swapping what I need.

 

All to common. Your uninsured/underinsured is the most important limit to have high these days, because more and more people don't give a crap about being responsible or having insurance.

 

Same thing happened to me. I was in a jeep go. It was totaled. Wife and I both taken to hospital in ambulances. Hit and run January 2014. I replaced the gc with a 2014 tourareg tdi.

 

This sucks...the whole insurance thing is a scam..you can't live with or without it. Glad you are OK though.

 

Ok insurance is offering $9700 to fix it but it's right on the 75% value thing so I can take the cash and give them the Treg or let a repair shop fix it. Now I have found 2 different 2010 models with under 60k miles. A gas loaded with 40k for $24k and a diesel with 55k for $25k. Have not seen either in person yet. So do I repair it or move on? A new newer designs better or am I good with the older body style? The wild card is what damage is in the front suspension and frame. Taking it in Monday to the body shop to dig deeper.

Thanks guys. And yes I'm very lucky and thankful. I owe part of my thanks to my VW as it held up well considering the speed and impact. Driving a heavy well built tank has advantages.

 

What are they willing to pay if they take it?

What insurance company?

You know you can negotiate even if they say you can't.

I just ended up with a total loss payment of 32% above where Allstate started.

 

The appraisal for repair is $9700. So does that mean its $9700 for either the repair or the car or do they offer more for the car if they total it and take it? Travelers is the company. And how to you negotiate? Thanks as this is my first experience in doing this.

 

If the repair is $9700, then you should get $9700 pulse the scrap value of the Touareg, or about a decent settlement for the Fair Market value of your Touareg BEFORE that accident.
So start figuring out what the MAXIMUM you could spend to get back to whole.

KBB, NADA and Autotrader are do resources.

 

How bad is the damage?
Do you have more pictures?

 

14 and change sounds great/ Hem and Haw a bit and see if they come up a few hundred, then take the money and run.

 

I for one would bet you could repair it privately for way less than what the shops quote. Take to money, buy back the wreck and have a fun project car to rebuild...and pocket the surplus cash. I have done this my self on three occasions, none of which were caused by me, and every time came out in front.

 

So will he give me the choice to total it out and get check for $14,400 or take 9200 (after deductible) to repair it? I guess I figured I didn't have a choice. Thanks again as everyone has been very helpful.

 

So will he give me the choice to total it out and get check for $14,400 or take 9200 (after deductible) to repair it? I guess I figured I didn't have a choice. Thanks again as everyone has been very helpful.

You are going to loose your deductible in either case.

Make sure they are VERY clear on what they are offering in each case.

The miles on the car make me lean toward the total payout, as the return in years on the money spent on the repair is thin.

 

Glad you were ok. Good luck.

 

Yes I know I will loose the 500 deductible. My question is do I have a choice on either having it repaired or taking the total lose?

 

Yes I know I will loose the 500 deductible. My question is do I have a choice on either having it repaired or taking the total lose?

You generally have the choice when the value is close.

If the repair costs are too high they may declare it a total loss, and you loose the choice to have it repaired on their dime. (you can usually buy it back and do what you want, but that depends on the State.)

If the repair costs are low enough or the total value is too high they may insist you repair it (or take a payment and discontinue insuring it with them)

Since they have talked both numbers, I am guessing you are on the good range where you have a choice.

Also, make sure you understand the total loss payout, because they will make it sound bigger by including taxes and registration that you only get if you buy a car in a certain time period (usually 30 days) .
These would come out of your pocket anyhow and are added to the cost of the car you buy, so DON'T let them confuse you into thinking it is "extra" money.

Look up the insurance laws in your state and don't forget to whine a lot about how little they are paying you.

(P.S. I learned a lot in my 42 day negotiation with Allstate)

 

Wreck less driving & you hit my Touareg....That is a fist-fight in my book, I hope you kicked his ass...

 

Well I should have but unlike him I'm trying to be a good citizen. These type people make it very hard though.

 

Take the money. There is no point fiddling with something that can potentially cost you all of your settlement money + you end up with a salvage title vehicle, IMHO.

 

Take the money and run. If you keep there is another issue you will have when you do try to sell or trade. It's called Carfax and this will be the out for any dealer to offer you what it might be worth.

 

God forbid I ever have a collision serious enough to put totaling my vehicle on the table. But I don't trust even the best repair shop to make a badly damaged Touareg "right" again. I would want the money so I can be done with it. No salvage title, no lying on those forms you fill out when trading in your vehicle to a dealer. And hella-no scary Carfax report.