Someone hit my car while it was parked, Their insureance is trying to offer me a low offer!?

What are my options? i HAD a 2000 Honda civic DX salvage tittle. They claim the car is worth only 2800 - 600 because i have to buy the car back.. i paid 4k two years ago. i have ins but its only lib. Can i call mine to help or will they just say im on my own??? USAA is the other party's insurance. yeah my car was salvage, but it was perfectly fine until their client hit me!
Additional Details
This is supposed to be a place for answers not to be discuraged. It's priciple ppl, i invested that amount into a car because it was good on gas a RELIABLE car. Right now you cant find even a slavge car in CALIFORNIA for near what their offering. i'm a student who couldnt afford to put full coverage on the car SMART ***. i want them to find me a car like what i had. i read thats an option. i did the NADA research and its still leess then half what they offered. i know its low ball because i did the research. FAIR MARKET VALUE is what i'm looking for. They just tcalled once to tell me but i hung up on them yes inapproprate but i was mad.

Crystal H

I hate to say it, but I think you're s.o.l. I don't think your ins will cover it, and if they do, they'll jack your rates up for making a claim. You may want to call al lawyer and get a consultation, you may be able to fight their ins. to get more, but it might not be worth it once you add in court costs and lawyer fees. If that doesn't work, you might be able to sue the guy or girl that hit your car. I HATE insurance companies- car, health, life, home- they're all cheap crooked dogs that will do what they can to rip you off.

Lisa

Since you only have liability insurance, your company cannot help you out. You will just have to deal with their company. Have you checked out www.NADA.com to see what the value of your car is? A salvage title means the vehicle was previously in a major wreck and totaled and is therefore worth less then if the vehicle did not have a salvage title.

oklatom

Salvage title means if you have a claim, the fair market value is reduced by half because of the branded salvage title. That is exactly why most people will not buy a vehicle with a salvage title unless they are looking for a parts car. Of course you only have liability insurance, you can't even get collision on a salvage titled vehicle.

Your car has a market value of $5,300, they are actually making a high offer of $2,800, they could say it's worth $2,650. Fine or not, it's still got a salvage title.

Personally I'd take it before they change their mind, but I'd let them have the car and not pay the $600 to keep it.

You might want to wait until some of the insurance agents weight in on your question, but I'd bet they agree with me.

dick h

If you only have liab coverage on your policy you're forced to go through USAA becuase you don't have collision coverage.
If you car has a salvage title but is clean and in good shape you should get about 50% of the NADA value (there is no set rule).
I would ask USAA for a print out (something in writing) of how they are comming to their amount. then do your own reseach online and call dealers in the area for quotes on how much they would sell your car for (a market search).
review your findings with USAA and try and come to an agreement. If you guys still can't agree and you feel they are not being fair and can back that feeling up with your "market search" results call the insurance commissioner of your state.

â™¥ Uwish â™¥

Just because you paid $4K doesn't mean thats what the vehicle is worth.

Anytime a car has a salvaged title that means it was already deemed a total loss at least once, and that will bring down the value of the car by half.

Be happy with what they offer. If you THINK your car is worth more, then you have to PROVE that it is. Otherwise, the offer will stand. And remember, one will always think their vehicle is worth more because they have personal interest vested into it, the insurance company doesn't.

You also have the option of NOT keeping the vehicle and getting the entire $2800 offer.

Â§ â˜¼ JLG â˜¼ Â§

Your company won't get involved since there is no collision coverage on it. Also, have you researched what your car is worth before thinking they are low-balling you? USAA is a very reputable company. Go to nada.com and look up the value of your car - keep in mind that I don't think you can label it as salvage, so the real worth will be under what it tells you.

Scott H

Your liability insurance will absolutely not cover damage on your own vehicle. If the vehicle was so valuable to you, why did you not have full coverage? You wouldn't be in this pickle then. The only option you have is to accept their offer or withdraw your claim.

â™¥~*Momma Bear*~â™¥

This is why it's never a good idea to buy a salvaged car!!!! Nobody will ever want to pay to fix a salvaged car that's already had a laundry list of repairs to begin with. There's nothing you can do, I can't believe people don't know any better.

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