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Answer by Yo’ Mama
Technically, any automobile is repairable. It’s a matter of economics. Most insurance companies follow a formula to determine if they are going to pay to repair a automobile or if it is a total loss. Your damaged automobile has what is called salvage value. To determine if it’s worth repairing, the insurer usually determines what the fair market value is on your car–immediately prior to the accident. This takes into account its age, equipment, mileage, prior damage, condition (i.e. rust), etc. From the retail value, they subtract the salvage value and the difference is the most they would pay to repair the vehicle. If the estimated repair cost exceeds that figure, they figure it’s a total loss. The hardest part for most people is accepting what fair market value is. Most people feel their automobiles are worth far more than what an insurer values it. However, insurers have to use objective means of valuation just like a automobile dealer or appraiser. If you disagree with the value, you could contact a automobile appraiser to look at the automobile and tell you what it is worth. Then ask your insurer to explain how they arrived–mathematically–at the decision that your automobile had to be totalled and not repaired.

Answer by mbrcatz17
YOU are. It might be repairable, but the insurance company is only responsible for THE LESSER OF the cost of fixes or the acutal cash value (note, NOT book value) of the car. Once they have made an offer for the lesser of the two, they ALSO do not have to pay any more storage fees.

If you do not like it, you can take them to court over it. It’s not necessarily going to get you any more money. It will not get storage fees paid. And it could take up to 18 months.

Answer by AD
The laws of each say can vary but in general – a automobile is deemed a total loss when the cost to repair the automobile (including parts and labor) equals or exceeds 75% of the car’s actual cash value (what you could have reasonably sold the automobile for 1 min before it’s damage- given the automobiles options, mileage and condition).

If the estimate exceeds 75% of the automobiles value – then by law, the insurance company has to total loss it.

If the estimate is close to 75% and the insurance company anticipates that a supplement for additional damage will be likely during the automobiles repair that could put the automobile over the 75% mark, then they will usually go ahead and total loss the car.

If you want to repair the vehicle, you can elect to purchase back the salvage. (ie purchase back the wrecked automobile from the insurance company). Depending on the year/make of your automobile – salvage value can run anywhere from 20%-30%. Most sedans are in the 20-25 range and trucks 25-30. The insurance company would take the actual cash value of the automobile and subtract the salvage value and that is how much they pay you + you get the car.

If you select to purchase back the automobile and repair it – then any costs to repair the automobile that run higher than what you were paid by the ins co – you will have to pay out of pocket.

You will also have a salvage title – so the re-sell value of the repaired automobile would be less than a automobile that does not have a branded title.

If you automobile is a “rolling total” – ie – the estimate makes it a total loss but the automobile is save to drive – people will frequently select to retain the salvage.

Until you sign the title to the automobile over to the insurance company you are legally responsible for the automobile – that means you have to keep paying taxes on it and making your automobile payments.

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Answer by Designer~Wife
Yes, they will require it if you do not have insurance that covers rentals – The last time I checked (a while ago) it was $ 10.00 a day.

Answer by Bryant
are you speaking about insurance for a rental car if so then they will charge between 10-30 dollars a day for insurace trust me the insurance is liability like.

branch manager 4 years

Answer by Mont N
wildthings63063, There are tons of sites where you can get an on the web quote. http://www.simpleautoquotes.com/Auto-Insurance.html It only takes roughly 10 minutes to do.

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Answer by Gosiden
Just with living in Brooklyn and not knowing any other information such as your automobile and driving history, I would doubt you can find insurance that cheap. Urban environments always have higher rates, and NYC is brutal when it comes to cost of insurance.

Answer by Entidtil
My idea is for you to call several insurance companies for quotes. Is there any other way?

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Answer by pickmefirstplz
if they find out they will drop you superior to tell them

Answer by Bill
All insurance companies will run your motor car report and find all of your violations. If you lied or left something out, the policy will be rescinded and if you have a accident prior to notification you will not be covered.

Answer by mandelin98
They will eventually find out by running your motor car report. Most companies do not do this until after you begin and pay as this report costs money. Depending on the company and contract you will either be given a new premium or be cancelled or moved into a different risk group within the company, that could affect your coverages .

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Answer by pickmefirstplz
if they find out they will drop you superior to tell them

Answer by Bill
All insurance companies will run your motor car report and find all of your violations. If you lied or left something out, the policy will be rescinded and if you have a accident prior to notification you will not be covered.

Answer by mandelin98
They will eventually find out by running your motor car report. Most companies do not do this until after you begin and pay as this report costs money. Depending on the company and contract you will either be given a new premium or be cancelled or moved into a different risk group within the company, that could affect your coverages .

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Answer by ammazammariffic
there is no public option.. just private ones…
we are forced to select between for-profits (unless you are super duper cant afford food type of poor.. then they can get federally assisted types or opt out all together (the penalties wont apply to them))
not what the dems originally wanted..
it was a compromise bill

along the automobile analogy: closest thing would be choosing not to live (no living body is like not driving car).. not a good option!

Answer by flyinzay
You can keep private health care, the only people newly offered government health care (medicaid) are families of four with a household income under $ 30,000/year. They did not pass universal health care. They only passed an increase in the poverty level (as mentioned above) and regulations on private health care.

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“too bad”
“that’s just how it is, deal with it”
“men are irresponsible”
“who cares not my problem”
“statistics state most men cannot drive as safely as women”

So why should I care if women are getting paid less for the SAME job a man is doing since:

Women are usually less productive than men
Women want to be flirtatious in the workplace
Women are always suing for sexual harassment
Women have to call off to have children or take care of kids.

And I could just use all of the above:

“too bad”
“that’s just how it is, deal with it”
“women are irresponsible”
“who cares not my problem”
“statistics state most women cannot work as efficiently as men”

Since the insurance companies “feel” men are irresponsible based on statistics.
Then men who have seen women consistently under perform ,compared to men, should just pay women less for the SAME amount of work.

BTW the “women pay more for health insurance” argument is old and tired. The Male vs. Female health insurance gap is no where near as huge as the male vs. female automobile insurance gap.
@ I Enjoy: I am glad you do not care about my “whining”

Because I do not care about you are problems associated with you being a woman: pms, sexual harassment cat calls. I am a man so It’s not my problem right?
Tristan: Ok sounds reasonable.

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Answer by Pat
Good point. I am still an suggest of womens’ rights though since not all women feel that way.

Answer by Guido
That is why some people are equalists while others are feminists.

Answer by I Enjoy Hats At Rakish Angles!
I DO care about any inequality that is based on false generalizations. But if you are coming across as a whiny misogynist then most women will make a point not to admit they concur with you…

Also…
“Women are usually less productive than men” Like any guy, not if they are at a job they care about.
“Women want to be flirtatious in the workplace” Not true, especially if they want to get respect and get promoted.
“Women are always suing for sexual harassment” Not ‘always’, only if they feel they are being harassed, and that in some way should be addressed, but preferably not with a law suit.
“Women have to call off to have children or take care of kids.” In order to continue the human race, people are going to reproduce. Not happy with women quitting their jobs to take care of kids? Then be a stay-at-home-dad.

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Answer by Don
Online. You will need:
Electronic billing information. (credit card or bank account #)
Name, address, phone # of your physicians & approximate dates of current visits
SS#

Feel free to begin from the link below.
Don
http://mtnhealthinsurance

Answer by Insurance Pickle.com
Click on the Aetna logo in the middle of this page. I have a link directly to Aetna on our site with application information as well…

http://www.insurancepickle.com/health-insurance/aetna-health-insurance.shtml

If you need help with the application just let me know.

Answer by MARK S
Walk, bus or taxi.

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Answer by mdywglr4x4
I would state for now call your insurance company and ask if they offer something like this.

I believe this will be your ideal bet right now.

Answer by tonalc1
Yes, you could change your insurance policy to full coverage. Contact your agent.

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Answer by puppy aliens
You will just drive around with a dent rear end. and your cash value will go down, and your premium will go up even if the accident was not your fault.

Answer by Charis Brown
Well, buddy you might have problem. You should get recommendation from insurance agents in your known.

Cheers!

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