how to negotiate B6 value with insurance when totaled?

[Spike00513]

Anyone ever go through this with a car? How does one go about it?
I hear their first offer is always the lowest, does not have to be accepted, and can be negotiated.
IDK if they go by Kelley Blue Book, but the hilarious thing about KBB is it subtracts $200 from a car value if it's manual instead of auto-tragic. Hilarious and genius.

Even if it's a Unicorn (USP, 6MT, etc.) with fresh maintenance or even upgrades,
a person with an untrained eye would probably try comparing it to a beat up CVT FronTrak sedan with beat tan interior that may as well use an IKEA lamp for a shift knob.

Am also curious about pricing for buyback ie part-out

I understand no one wants to pay over market value for a car,
but under-valuing a car seems offensive considering how many other cars on the road are overvalued for the wrong reasons,
and how often those claims are probably paid out. A higher pay out for example would include really anything newer model year, of any brand. Not just Mercedes, BMW, etc.

random pic (not mine) for clicks

[Charles.waite]

Is this another "I had a random thought so I'll start a thread" threads? Or has your car (you do actually own an Audi right? RIGHT?) actually been totaled?

[Audibot]

All ^That^ aside, when my B7 was totaled, I spoke with the adjuster on the phone about some of the modifications/upgrades I had done. I had 18Z brakes up front and S4 rears, which he credited. I had RS4 seats and door cards, which he also credited a bit as well. Add to it the S4 door blades and mirrors, coilovers, etc, and he credited me for S-Line package. All in all, I got more money for it than I should have.

[APC123]

Is this another "I had a random thought so I'll start a thread" threads? Or has your car (you do actually own an Audi right? RIGHT?) actually been totaled?

-__- seriously man

[hightime80]

He was bored😁

[jursch2211]

If you're actually serious and your car totaled, feel free to PM me as I work in the insurance industry and currently work in a body shop so I can fill you in with some helpful information. Each state has their own laws but the process is pretty much the same. Bottom line - insurance companies are a for profit business and want to get away with paying the least amount possible.

[Spike00513]

Is this another "I had a random thought so I'll start a thread" threads? Or has your car (you do actually own an Audi right? RIGHT?) actually been totaled?

it's totaled

[BARRY]

GOOD insurance companies will allow you to submit "like" model for sale listings for price comparison. The problem is USP models are a "model" so you might have a losing fight in that regard. You would probably have to prove that it is a different model by comparing parts lists and their costs and hope that they accept your argument.

they generally do the same if they aren't trying to stiff you...but don't look for specific models for comparison. Additionally, if there are no "like" models, they'll automatically bump down to a lower trim level for comparison.

decent to low mileage USP, Avant, Manual's should roughly go for 7-12k on the used market private value. If yours is pictured, it is very clean and should net 9-12k listing. Will it sell for more than 9k? not sure, but it could be listed for that much at this time.

[APC123]

So spike that’s why you were selling for 550’s

[Spike00513]

the two comps insurance gave me used to determine valuation were, wait for it:
CVT sedans

So spike that’s why you were selling for 550’s

I was gonna install them =/

[Kevin C]

If your vehicle is moded and you live in CA you may be entitled to have an independent appraiser determine the value of your car. The insurance company provides one, but you have to ask. That's what happend when my Raider got hit. I explained that I have done a lot of work to it ( turbo, gears, wheels, suspension fuel injection). The original offer was $1100 and the appraised value was $6700.

Doesn't sound like fun.

[BARRY]

what was the comparative values?

[Spike00513]

looks like I'll be buying it back salvage

who wants a beat up Unicorn parts car?

[BARRY]

Buy one of those CVT's and swap everything over. :)

[Spike00513]

Buy one of those CVT's and swap everything over. :)

2 hours of labor

[Kevin C]

Spike,

How did things work out with the insurance? Do you feel like you got a fair deal for your car?

[Spike00513]

https://forums.vwvortex.com/showthre...e-when-totaled

Spike,

How did things work out with the insurance?

They're resisting more accurate comparables

Do you feel like you got a fair deal for your car?

No

[V70R]

I’ll take the parts car.

[Let it snow]

Pictures of the totalled car ?? Or is this another fake thread?

[Spike00513]

Pictures of the totalled car ?? Or is this another fake thread?

the B6 making the temporary rental car look really bad, that's for sure