[Vwdiesel] Smooshed Golf Update-Insurance Hassle Stage Has Begun

[Stephen Sherman]

Not sure how it works in your state, but in Colorado the ins co pays you 
for the title and tax regardless if you buy the totalled car back.  If 
they total the car then they are admitting that the car is 
unfixable/undrivable so you need to find a replacement car. You are 
buying back the old one for parts.

Sounds like your ins co is sleazing their way out. If they don't think 
you need to replace this vehicle then let them fix it. If they won't fix 
it, then it needs to be replaced and you will have taxes and title fees 
for the new one. Regardless if you want it for parts. They can't have it 
both ways.

Also, most states have a set amount which the ins co must sell you back 
your totaled car; something like 5% of the amount they value it at.  I'd 
check what that value is for your state and ask the ins co why they want 
more (if they do).

When I have had to deal with Ins co before in similar situations, I dug 
up several recent sales records for similar TDIs. The ins co was willing 
to accept those as proof of higher retail value than their number and 
went with that value.

Good Luck.