Why are you having your insurance foot the bill. The person who hit you is liable so go after his insurance. I wouldn’t take the claim on my own unless the other insurance doesn’t payup. The insurance should have your car fixed if it has a blue book value. If not they may total it and pay you damages.
First, you have to have collision coverage on your policy. Since you were rear-ended, if the at-fault driver has insurance you can have your vehicles handled under their policy under a coverage called property damage. Some states offer a coverage called underinsured property damage coverage. This coverage would be under your policy and would apply if you were not at fault and the person who was liable had not coverage. In regards to wether or not a vehicle is repaired or a total loss has nothing to do with wether it is foreign or domestic. If the cost to repair your vehicle is 80% or higher than the value of your vehicle it will be deemed a total loss. If your vehicle has sustained damages that even with repairs would be unsafe for the road the vehicle will be totaled. State laws, not insurance companies, govern the rules regarding total loss vehicles.
I am not sure what state you are in, but in Florida (as I am a licensed adjuster in this state), the “make” of a vehicle is unimportant (assuming it is on your auto policy). What matters is whether the repairs exceed 80% of th ACV (actual cash value) of the vehicle or not. If it is at or near 80%, they will pay you the actual cash value (I’m assuming that’s what you mean when you say “write off”). If it’s not near that figure, then they will repair it. As for the other answer provided, there are pros and cons to going thru your insurance co. or the other party’s carrier, so make sure you know all that is involved before you make that decision.
Why are you having your insurance foot the bill. The person who hit you is liable so go after his insurance. I wouldn’t take the claim on my own unless the other insurance doesn’t payup. The insurance should have your car fixed if it has a blue book value. If not they may total it and pay you damages.
First, you have to have collision coverage on your policy. Since you were rear-ended, if the at-fault driver has insurance you can have your vehicles handled under their policy under a coverage called property damage. Some states offer a coverage called underinsured property damage coverage. This coverage would be under your policy and would apply if you were not at fault and the person who was liable had not coverage. In regards to wether or not a vehicle is repaired or a total loss has nothing to do with wether it is foreign or domestic. If the cost to repair your vehicle is 80% or higher than the value of your vehicle it will be deemed a total loss. If your vehicle has sustained damages that even with repairs would be unsafe for the road the vehicle will be totaled. State laws, not insurance companies, govern the rules regarding total loss vehicles.
I am not sure what state you are in, but in Florida (as I am a licensed adjuster in this state), the “make” of a vehicle is unimportant (assuming it is on your auto policy). What matters is whether the repairs exceed 80% of th ACV (actual cash value) of the vehicle or not. If it is at or near 80%, they will pay you the actual cash value (I’m assuming that’s what you mean when you say “write off”). If it’s not near that figure, then they will repair it. As for the other answer provided, there are pros and cons to going thru your insurance co. or the other party’s carrier, so make sure you know all that is involved before you make that decision.
The other party’s insurance will cover it. Why would insurance companies not have imports repaired? They will repair any make/model.