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 Hail Storm, Claim, ra future complexity. suggestion needed
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Posted on 07-27-11 3:36 PM     Reply [Subscribe]
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मेरो २००० को vw passat छ । मे महिनाको हेल storm मा परेर मैले insurance सँग claim मागेको थिएँ । उनिहरुले मलाई दुई वटा option दिए । १. $२७०० लिएर गाडी इन्सुरेन्सले राख्ने र  २. $ १६०० लिएर गाडी owner ले retain garne. I chose the second option ra mero gaadi lai टोटल लस declare gariyo.

my question is 

भविश्यमा त्यही गाडीमा claim माग्नु पर्‍यो भने इन्सुरेन्सले कसरी पे गर्छ। के टोटल लस भएको गाडीमा फुल कभरेज हालीराख्नु उपयुक्त होला। मैले इन्सुरेन्स एजेन्टसँग कुरा गरेँ, उनको भनाइ अनुसार अबको claim पहिलेको भन्दा ३०-५० प्रतिशतसम्म कम हुनसक्छ रे ।

उदाहरणको लागि
मेरो टोटल लसको केसमा मेरो गाडीको fair market value ३५०० दिएको थियो र salvage value र deductible -$१००० गरेर मलाई २७०० दिएको थियो । तर मैले गाडी आँफैले राखेर १६०० लिएँ । अब यदि क्षति २००० को भयो भने मैले कति जती पाउछुहोला (मेरो $१००० deductible छ ) । के $ ४४ comprehensive मा र $२१ collision महिनाको तिरिराख्न worth it होला?



यदि म at fault मा नभएको accident मा at fault इन्सुरेन्सले मेरो गाडीको claim कसरी तिर्छ ? यो scenario मा मेरो गाडी hail storm मा परेर टोटल लस भएको कुराले केही म्याटर गर्छ ?

परामर्शका लागि तमाम इन्सुरेन्स पन्डितहरुमा धन्यवाद


 
Posted on 07-27-11 4:00 PM     [Snapshot: 25]     Reply [Subscribe]
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Insurance companies always pay ACV (Actual cost value)  on a vehicle in case of total loss. If the title is salvaged it will definitley lower the value of the vehicle. Find out if this incident will be included in the CARFAX report and will lower the value of the vehicle in anyway. Most of the times insurance companies go with the regular market value (they won't know if the vehicle has salvaged title). The point is, they will go with the ACV in case of total loss, they will pay you how much they think it will cost in the market.

However, in your case, since your car is not going to be worth much, I do not recommend buying the comprehensive and collision insurance. 

 


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