Spoke to the claim rep today. Looks like there is just enough damage that if I keep all of the aftermarket parts on the car it'll be pushed back into the point of repairable (per ACV at that point). So, now I get to find out exactly what that point is and make the car worth slightly less so they total it.
I understand that a car is 'written off' when the damage reaches a certain percentage, this percentage varies depending on insurance company. From memory my insurance company's percentage is 65%.
So you are saying that the ACV with the 'goodies/tat' added vs the damage estimate made it more cost effective to repair than pay out.
So you 'fixed it' somehow to ensure that it was written off ?
I am not exactly sure how close to committing insurance fraud you are getting, but the references to your previously written off vehicles and making sure that they got written off appear to show that you have done this previously and you are comfortable doing this.
Effectively what you appear to have done is forced a significantly larger payout and landed your insurance company with a wrecked and modified car for at least the second time.
If you did not want to drive a repaired car, you could/should have let them fix it, taken the diminished value payout then sold the fit for an appropriately lower amount.
I guess that this is part of the reason that insurance costs are so high in this country ?
The above post is probably dripping in sarcasm.
I take a lot of photographs
Knowing people in the insurance and body work business pays off... A lot of people settle for whatever the insurance company tells them is going to happen. Fact is, most drivers pay a ton of money over the course of their plan and never claim anything. If the opportunity presents itself for me to benefit from an insurance claim you'd better believe I'm going to take advantage.