i lost my 8

CDsDontBurn · May 13, 2006, 08:07 PM

Quote:

Originally Posted by BiGBrOwNPimpsta

that's pretty bad, your lucky you dont live in ontario.

ontario, canada or ontario, california?

**dj_stick** · May 14, 2006, 01:00 AM

i think he means canada

BiGBrOwNPimpsta · May 14, 2006, 01:38 AM

canada, i never knew there was ontario in california

Falstaff · May 14, 2006, 03:24 AM

hell yeah...
like Oak town in San Fran G...

CDsDontBurn · May 14, 2006, 03:43 AM

Quote:

Originally Posted by BiGBrOwNPimpsta

canada, i never knew there was ontario in california

yes there is. i live in ontario, california which is why i asked.

CDsDontBurn · May 14, 2006, 03:44 AM

Quote:

Originally Posted by Falstaff

hell yeah...
like Oak town in San Fran G...

you ok there??? post seems kinda weird there.

niceguyrichy · May 14, 2006, 04:32 AM

Quote:

Originally Posted by CDsDontBurn

you ok there??? post seems kinda weird there.

jeffs libido has been running away with him of late.....

sorry for your car man. really, really sorry.
I'd have been in tears if that had been mine

so how come you're grounded for a couple weeks? just cos of the car?

CDsDontBurn · May 14, 2006, 05:06 AM

just cuz of the car. if not, i probably wouldn't be posting right now. i'd be w/my gf at a quinceñera having a good time. not bored outta my mind at home.

on the other hand though, i finally got around to installing BF2 again along w/the 1.22 patch or whatever the newest one is and played for about an hour just now.

CDsDontBurn · May 16, 2006, 11:49 PM

just got a call from the insurance company.

they're totalling my car

Sandok · May 16, 2006, 11:52 PM

Ouch man...

BWX · May 16, 2006, 11:55 PM

if it pays off your loan that might not be such a bad thing....

Dyre Straits · May 17, 2006, 12:08 AM

Quote:

Originally Posted by BWX

if it pays off your loan that might not be such a bad thing....

That could be a very big IF! There was an article just a couple of weeks ago by Clark Howard addressing the issue of having wrecked cars totalled in accidents BUT insurance not covering the total amount of the loan if the 'real' value of the car isn't enough to cover the amount of the balance of the loan.

We ran into this a few years ago when I had my big accident driving my son's Ford Ranger. One company wanted to say the odometer had another 100,000 miles on it and our own company wouldn't buy that. The difference was getting a little more than was owed on the car or paying a difference of about $1600 to the bank.

So, CDs: Be sure you don't jump into this until you know all the options.

CDsDontBurn · May 17, 2006, 12:10 AM

Quote:

Originally Posted by BWX

if it pays off your loan that might not be such a bad thing....

i know. i was actually hoping that it would be totalled out. i've been on a bad streak for a while, and now i don't have the burden of a $500/mo car payment + another $300/mo minimum on premium octane fuel. Yes, i'm sad to see my car gone, but later on after i'm making bank, i'll buy me another 8

Asmoday · May 17, 2006, 12:12 AM

Damn, it didn't look damaged enough for a totalling...did the frame get bent or something..?

CDsDontBurn · May 17, 2006, 12:12 AM

Quote:

Originally Posted by Dyre Straits

That could be a very big IF! There was an article just a couple of weeks ago by Clark Howard addressing the issue of having wrecked cars totalled in accidents BUT insurance not covering the total amount of the loan if the 'real' value of the car isn't enough to cover the amount of the balance of the loan.

We ran into this a few years ago when I had my big accident driving my son's Ford Ranger. One company wanted to say the odometer had another 100,000 miles on it and our own company wouldn't buy that. The difference was getting a little more than was owed on the car or paying a difference of about $1600 to the bank.

So, CDs: Be sure you don't jump into this until you know all the options.

it's called gap insurance

. Gap insurance is purchased at the momment you are buying a vehicle from the dealer. Basically what it does is that if your car is totalled, the insurance company will only pay the blue book value of the vehicle, and gap insurance will cover the remaining difference. So i need not worry about it

.

CDsDontBurn · May 17, 2006, 12:14 AM

Quote:

Originally Posted by Asmoday

Damn, it didn't look damaged enough for a totalling...did the frame get bent or something..?

must have. That's the only reason why they would total the car. must have been from the front end. The radiator was cracked due to it landing on a large rock. that rock must have pushed the front of the frame far enough to make it not worht fixing

Dyre Straits · May 17, 2006, 12:20 AM

Quote:

Originally Posted by CDsDontBurn

it's called gap insurance

. Gap insurance is purchased at the momment you are buying a vehicle from the dealer. Basically what it does is that if your car is totalled, the insurance company will only pay the blue book value of the vehicle, and gap insurance will cover the remaining difference. So i need not worry about it

.

Glad to know that. But, maybe there are others here who need to know about it, too.

Dyre Straits · May 17, 2006, 12:22 AM

Quote:

Originally Posted by CDsDontBurn

must have. That's the only reason why they would total the car. must have been from the front end. The radiator was cracked due to it landing on a large rock. that rock must have pushed the front of the frame far enough to make it not worht fixing

Well, here in Georgia, and I believe other places, too, if any combination of the three main panels gets damaged - front or rear, it renders the car totalled. Doesn't have to be frame damage, either.

CDsDontBurn · May 17, 2006, 12:28 AM

here in cali, it's different. for sure if the frame is damaged it's totalled. however, if the frame is not damaged, but the amount of damage done to the car exceeds 70% of the vehicle's blue book value then it is still considered a total loss to the vehicle.

Geminiwave · May 17, 2006, 01:30 AM

here in washington it has to be 100% of the bluebook value. I think our van was with like $1600 and the insurrance paid out $1500 but didnt declare it totaled.

Geminiwave · May 17, 2006, 01:33 AM

Oh Wait A Second!

You Totaled My Car?!?!

BiGBrOwNPimpsta · May 17, 2006, 02:13 AM

they wont replace it?

CDsDontBurn · May 17, 2006, 02:14 AM

no, they're not going to replace it, they're paying off the remaining balance on the loan.

Dyre Straits · May 17, 2006, 02:51 AM

Quote:

Originally Posted by CDsDontBurn

no, they're not going to replace it, they're paying off the remaining balance on the loan.

That's what they did with my son's pickup. After paying off the balance he got a check for roughly $1300.

CDsDontBurn · May 17, 2006, 03:26 AM

Quote:

Originally Posted by Dyre Straits

That's what they did with my son's pickup. After paying off the balance he got a check for roughly $1300.

how long was it before they sent you the check?

Dyre Straits · May 17, 2006, 03:48 AM

Quote:

Originally Posted by CDsDontBurn

how long was it before they sent you the check?

I can't recall exactly how long it was. It was maybe a couple of weeks or so. Our insurance at the time was State Farm. It was clearly the other driver's fault and State Farm settled with us and then went after the other company for reimbursement. Two weeks might have even been too long. I simply can't remember as it was a little more than 9 years ago.

pr0digal jenius · May 17, 2006, 04:05 AM

Gap insurance typically runs about $4-600 as a one time payment when you purchase a new vehicle...and it's worth every penny.

As for totalling it, what they do is have it appraised if they are unsure, but if the adjuster is sure [frame damage is almsot always a totalling], then it's totalled on the spot....you can, however, request an appraisal, and even a second opinion on that

PS - if ya want a car, come see me...I work for Ford now

CDsDontBurn · May 17, 2006, 04:16 AM

Quote:

Originally Posted by pr0digal jenius

PS - if ya want a car, come see me...I work for Ford now

you seriously work for ford? doing what? from what you said, it seems that you work as a sales guy

. and it's not a matter of want....it's a matter of NEED

pr0digal jenius · May 17, 2006, 04:21 AM

i do sales, yes.

New [ford, lincoln, mercury, hyundai]
Used [anything under the sun]

CDsDontBurn · May 17, 2006, 04:21 AM

but you're not out here in so. cali

but just to know, what's under the sun that you know of off the top of your head?

May 14, 2006, 01:38 AM	#33
BiGBrOwNPimpsta HH's #1 Hustla and Pimp Join Date: Jan 2003 Location: The Dirty Dot Posts: 7,706 Rep Power: 105 System Specs	canada, i never knew there was ontario in california __________________ Sound Blaster X-Fi Xtreme Music \| Logitech Z-5500 THX 5.1 Surround Sound Speakers \| 2 Lite-On 20x S-ATA Burners \| Logitech G700 Mouse \| Logitech MX5500 Bluetooth Keyboard

May 14, 2006, 03:24 AM	#34
Falstaff Old Codger Join Date: Sep 2002 Location: USAFA Posts: 19,047 Rep Power: 206	hell yeah... like Oak town in San Fran G... __________________ "Inspiration is always a surprising visitor."

May 14, 2006, 05:06 AM	Thread Starter #38
CDsDontBurn 127.0.0.1 Join Date: May 2003 Location: Southern California Posts: 22,458 Rep Power: 202 System Specs	just cuz of the car. if not, i probably wouldn't be posting right now. i'd be w/my gf at a quinceñera having a good time. not bored outta my mind at home. on the other hand though, i finally got around to installing BF2 again along w/the 1.22 patch or whatever the newest one is and played for about an hour just now. __________________ Her First Day \| A year later

May 16, 2006, 11:49 PM	Thread Starter #39
CDsDontBurn 127.0.0.1 Join Date: May 2003 Location: Southern California Posts: 22,458 Rep Power: 202 System Specs	just got a call from the insurance company. they're totalling my car __________________ Her First Day \| A year later

May 16, 2006, 11:55 PM	#41
BWX unplugged Join Date: Nov 2002 Location: USNY Posts: 19,665 Rep Power: 109 System Specs	if it pays off your loan that might not be such a bad thing.... __________________

May 16, 2006, 11:52 PM	#40
Sandok DriverHeaven Extreme Member Join Date: Jul 2004 Posts: 9,472 Rep Power: 66	Ouch man...

May 17, 2006, 12:12 AM	#44
Asmoday Demonic Join Date: May 2002 Location: In the cold, dark north... Posts: 5,198 Rep Power: 90 System Specs	Damn, it didn't look damaged enough for a totalling...did the frame get bent or something..? __________________ How You can help Hardwareheaven by using Digg

May 17, 2006, 12:28 AM	Thread Starter #49
CDsDontBurn 127.0.0.1 Join Date: May 2003 Location: Southern California Posts: 22,458 Rep Power: 202 System Specs	here in cali, it's different. for sure if the frame is damaged it's totalled. however, if the frame is not damaged, but the amount of damage done to the car exceeds 70% of the vehicle's blue book value then it is still considered a total loss to the vehicle. __________________ Her First Day \| A year later

May 17, 2006, 01:30 AM	#50
Geminiwave I Have lovely Breasts Join Date: Jul 2004 Location: In the closet... Posts: 5,395 Rep Power: 62	here in washington it has to be 100% of the bluebook value. I think our van was with like $1600 and the insurrance paid out $1500 but didnt declare it totaled. __________________

May 17, 2006, 01:33 AM	#51
Geminiwave I Have lovely Breasts Join Date: Jul 2004 Location: In the closet... Posts: 5,395 Rep Power: 62	Oh Wait A Second! You Totaled My Car?!?! __________________

May 17, 2006, 02:13 AM	#52
BiGBrOwNPimpsta HH's #1 Hustla and Pimp Join Date: Jan 2003 Location: The Dirty Dot Posts: 7,706 Rep Power: 105 System Specs	they wont replace it? __________________ Sound Blaster X-Fi Xtreme Music \| Logitech Z-5500 THX 5.1 Surround Sound Speakers \| 2 Lite-On 20x S-ATA Burners \| Logitech G700 Mouse \| Logitech MX5500 Bluetooth Keyboard

May 17, 2006, 02:14 AM	Thread Starter #53
CDsDontBurn 127.0.0.1 Join Date: May 2003 Location: Southern California Posts: 22,458 Rep Power: 202 System Specs	no, they're not going to replace it, they're paying off the remaining balance on the loan. __________________ Her First Day \| A year later

May 17, 2006, 04:05 AM	#57
pr0digal jenius Delete Me Join Date: Mar 2004 Posts: 14,648 Rep Power: 0	Gap insurance typically runs about $4-600 as a one time payment when you purchase a new vehicle...and it's worth every penny. As for totalling it, what they do is have it appraised if they are unsure, but if the adjuster is sure [frame damage is almsot always a totalling], then it's totalled on the spot....you can, however, request an appraisal, and even a second opinion on that PS - if ya want a car, come see me...I work for Ford now

May 17, 2006, 04:21 AM	#59
pr0digal jenius Delete Me Join Date: Mar 2004 Posts: 14,648 Rep Power: 0	i do sales, yes. New [ford, lincoln, mercury, hyundai] Used [anything under the sun]

May 17, 2006, 04:21 AM	Thread Starter #60
CDsDontBurn 127.0.0.1 Join Date: May 2003 Location: Southern California Posts: 22,458 Rep Power: 202 System Specs	but you're not out here in so. cali but just to know, what's under the sun that you know of off the top of your head? __________________ Her First Day \| A year later