Prepare for a story...
My wife was in a car accident this weekend in CA while I'm at Altus. Some bastard slammed into her car from behind while she was sitting at a light. Fortunately, she was uninjured. However her 2 year old car was not so lucky. Aditionally, when she called 911, they stated that the cops would not come out unless someone was injured. The guy who did hit her had insurance but we couldn't get in touch with a rep at their company on the weekend. We called USAA and they said that this guys insurance company was pretty crappy to deal with, set us up with a repair location, car rental and said for us to pay the deductable while they went after the other guy's insurance. At the repair shop, we learned that the total repairs would be about $7000 using aftermarket parts (which USAA requires if possible). To total the car, USAA uses the fair market value of the car using their KBB ($13,700) and it must exceed 60% of the cars value or $8,100. However, when I looked at Kelly Blue Book.com, I get a fair market value of $10,800. They said they use a different book. The bottom line is that there is substantial damage to the car. Right now it looks like crap (its about 6 inches shorter due to crumpling) and drives like crap. I want them to total it because I know from experience that repaired cars never drive the same. The car was only 2 years old and its not like my wife caused the accident. Plus there could easily be other issues that pop up after the initial repair that could drive the cost higher. Additionally, the car will be worth significantly less when we sell it because its been in an accident. I'm curious what I can do to encourage them to total the car. It's pretty close to being totaled even at their value. Plus I don't think I could've ever gotten the value they are talking about anyways. I think the whole KBB issue is a little odd especially for USAA. Just wondering if any of you guys/girls have any insight or advice...possibly even been through this situation before.
Thanks