Originally posted by Skywalker
Collision covers your vehicle if involved in an accident, you hit something, etc.
Also keep in mind, depending on the value of your vehicle, needing a new motor could constitute your vehicle being a total loss. In which case they take the car and give you a check.
Is it the FC or FD that may need it?
Well, the damage is a result of something that I hit in the road. That doesn't really sound fradulent. They covered my wheels when I smashed them on up something in the road. I'm just going to tell them the straight deal, it's up to them to cover it.
Right now, it'd be easier to total the car anyway. I'd just pull all my good shit off of it. It'd take me about 3 hours to get everything. I'd be out about $300 in parts that I wouldn't be able to pull, quickly anyway.
How do they determine a car's worth if they're totaling it? Just blue book it and cut a check w/o seeing it? Or do they appraise it in it's current condition? My 91 still books for over $5k.