Before the insurance company shafts me...

[superba]

Hi Joe,

Sorry for your loss.  Disclaimer:  I know almost nothing about this subject.
Having said that, can't you appeal to them to let you "repair" your car even
if you have to pay for part of it yourself?  Otherwise, if the car is ever
registered again, it will have the dreaded "flood" title which is worse than
salvage imho.  I've done it on 2 occasions for accidents, not flooding, when
the estimate to repair exceeded the car's blue book value.  Insurance
companies seem to be too quick to total out a car rather than repair it.

Good luck with establishing a value  you can defend.

Cheers!

Jim Jordan

>  Message: 10
>  From: JMGarciaJr at aol.com
>  Date: Mon, 19 Nov 2001 16:35:26 EST
>  Subject: Before the insurance company shafts me...
>  To: quattro at audifans.com
>
>  Well, in the aftermath of the rain we got after Hurricane
>  Michelle, my car
>  got flooded and was declared a total loss by State Farm, i.e.,
>  my insurance
>  company. Seeing as how often other listers are given a raw deal
>  when their
>  cars are totalled, what do I need to do to make sure I don't
>  suffer the same
>  fate?
>
>  The car in question is/was a 1992 urS4, ~73K mi. in stellar
>  shape, with all
>  receipts, etc.
>
>  Any and all help will be deeply appreciated!
>
>  -Joe in SoFla
>  1992 urS4, ~73K, RIP