Absolutely next one get a stated/agreed value policy on the vehicle.I had to register mine and for reference standard SF policy was 800.00+ annually compared to 460.00 with Haggerty for agreed value of 22 k.Adding insult to injury if I suffered a total loss with a standard policy I probably would have received about the same as you did on a vehicle that was modded.


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If the frame is straight, you could buy it back and rebuild it! If the bodywork cost is holding you up, you could make it a VetteKart. The exocage is cheaper than the body work. https://trackspecmotorsports.com/rol...rvette-exocart

 

Sorry Man.... 😢 I've been in a similar event with my 911 Carrara... Car's gone for good and will be haunting you forever.. You're stuck. Listen up! Learn to not mod anymore cars!... It ain't easy but less harmful to your being! I hate those cold sweat jolts of the event... awakenings in the middle of the night!! 😪

 

Probably would have been better to T-bone the other driver. Then you could have them at fault and dealing with thier insurance. You didn't mention what happened to the other vehicle, but I assume they took off.

 

Thank you so much!

 

Yeah, the driver was oblivious and just kept driving.

 

I totally feel your pain. I haven't slept since the incident. I also have been diagnosed with anxiety, depression and insomnia. This is throwing gasoline on the fire.

Be safe and thank you!

 

Great idea! I will look into this! But I am on Social Security Disability and don't have any extra money. I barely make my bills every month.

The frame is intact I was told.

 

State Farm only uses NADA. I was told they are better at pay-out amounts. Somehow, I still don't feel good about this...

 

Thank heaven you walked away! And…you can buy another Vette. There’s some nice cars out there for that money. We’re all in the same boat here, but there are some things you can do to soften the blow.

A lawyer can write a letter to your insurance, or make an inquiry, for about $300. They won’t handle a lawsuit for that amount, but the insurer doesn’t know that. You can use it as leverage to get a better deal.

Consider a counter offer for either a greater value, or the same value with a stipulation that you keep the engine. To them, an engine may be worth little, but only you know what up you have in it.

Now let’s say the scrap value is $5,000? They would deduct that from the settlement so you walk away with the car and $9,000. You might call some the many Corvette salvage companies for for a scrap value ballpark.

 

First of all, I want to thank y'all for your input and support, you guys are so special.

UPDATE: Warning long story! (I am a writer).

1. I talked to State Farm's agent today. She said that it is *possible* to get a higher payout if I can produce receipts of repairs, replacements and repairs. But I need to provide all receipts, and I am shitty about receipts. I would have been better about keeping them if I knew one day I was going to sell it. NEVER! So I need to memorize all the shops I took the C5 to in order to get transaction histories. The shop that did my nitrous install was a jerk, but he was good. I believe I paid 1900.00 for the install. I then bought awesome 3.90 Motive gears and asked him if he would do the install. After being denied by 5 shops who didn't want to do the install, I went back to the ******* and he said he would do it. So I dropped off the gear set off at his shop and waited for him to do the install.

One month went by...nothing. After calling every shop in town, I found one guy who said he's do the swap. It was pure luck. I think I paid over $1500 for the install. He did an awesome job. But, lol, he said he'd never do it ever again for anyone with a Vette. He told me he had to buy special tools and said the install was a complete pain in the ***. He was a nice guy though. I like nice people.

So I went back to get the gear-set from the jerk's shop to take it elsewhere. He copped a major attitude. He then asked "you shopped around behind my back?!" Since I never heard back from, I gave up and moved on. He handed me the gear-set all pissed-off and kicked me off his property and told me to "never come back." To make matters worse, I was not given the dyno sheet, invoice or receipt. He said he would email it to me, but he never did. So much for getting any help from him in getting the docs.

2. I did something really stupid yesterday. On a whim, stopped by a reputable used car lot and met with a nice rep. I told him my story, and that I needed another fast toy to play with because I had fast rides since 1988. I asked about other used Vettes, Mustangs and Camaros, and there were a few, but waaaay out of my price range. He then said well, "I do have a 2019 Challenger RT with 26,000 miles on it." It was gray, which doesn't excite me. But I needed a new fast toy asap, as I was going nuts.

So we checked it out and it was in flawless condition. It had every bell and whistle. So we took it out for a spin. Although it wasn't nearly as fast, it did push me back into my seat. And the exhaust sounded impressive. It is bone stock, and I wanted something at least slightly modded. It grew on me quick though. I have never been a Mopar guy. My history is Camaros and this (now dead) Corvette.

We sat down and I said "I want it." He then asked what can I put down. I said only $500.00. He then and went to to the finance guy, and he said "no dice." I figured on that. So I sat there and looked out the window at my daily driver, a 2008 4Runner. Then the light bulb went off in my head. So I mentioned that I was willing to trade in the 4Runner. The thing is beat to ****. Body damage everywhere, and no rear tailgate window. And every single check engine light was lit up. My dash looked like a Christmas tree. 103,000 miles. 2wd.

They they went out to take a look at the 4Runner, and I was ready to see them fall over in laughter. I expected *maybe* 500.00 for it. They came back into the office and said they would give me $2,000 for it. HUH?! And it would meet the requirement of their demand of $2,500 to hold the vehicle until financing was approved. Ok, so I don't have shitty credit, but I have NO credit due to a divorce and bankruptcy. Lo and behold, I was approved. HUH?! The final sale balance was around $24,000. I signed off on it. $780 a month payments. I will have to get working again to make ends meet, as I have been retired and on SSDI for several years.

They threw in some perks. The sticker on the windshield said "AS IS, NO WARRANTY." The sales man was cool. They threw in a bumper to bumper warranty for 24 months. Plus, unlimited free car washes. I could wash it every day for a year if I wanted to. Then they said "the car is now yours" and tried to throw the keys at me. I had other places to go, so I said I would be back on Thursday to trade in the 4Runner and take the Challenger.

I never had a paddle shifter car, but its sounded like it could be fun.


It's a pig on wheels, but still fun.

 

I haven't given up, but I have one favorite saying: "Expect nothing, and ye shall never be disappointed."

Thank you.

 

I refuse to drive a Challenger because they do make great noises and come with manual transmissions. I am afraid that I would like it too much. I'm sure they are lots of fun. I'm a car guy that has owned all sorts of cars everything from Mustangs and Camaros to a couple of Porsches. My next fun car is a C5 Corvette. I know that.

I do like lighter cars when pushing them hard which is another reason I want a C5. It'll never be as light as my Miata but it has a way better power to weight ratio.

 

Oh wow. This is the automotive equivalent of a rebound relationship.

 

Don't mod it too much. The narrow body Challengers don't have enough space to fit a respectable tire. It would do well at burnout contests, though.

 

I drove one of these not long ago. It was underwhelming.

I know you are in a hurry to get a new car but stop and let this work out the way you want it not the way you can have it.

I see so many people make poor choices when they rush into things be it a girl, car, investment etc. Often they get burned and only make things worse.

If you really want the Dodge then do it but if you are just doing it to solve a feeling don't do it.

Like Jimmy Buffet sang about a tattoo. It was a permanent reminder of a temporary feeling.

If you want another Corvette you can get one cheaper than the Dodge and the Corvette is bottomed out value wise and will only hold or go up the dodges are still going down in price.

 

https://www.corvetteforum.com/forums...in-austin.html

This is cheaper than that Challenger and WAY better.

Disregard. It sold.

Point is, you can find a great C5 or early C6 for less than that Challenger.

 

Could be worse.....you walked away without going to a hopital.

I would take the 14K and start looking / saving for a C5 Z06 or C6 Grandsport. If you get it repaired, that's a can of worms waiting. No telling what else got broken. And even if repaired that would always be in the back of my head if it was done right..

Good luck with what you decide

 

im sorry i know this is like a stereotype for codge dharger people, i cannot imagine ruining myself financially for years to buy another appliance for hauling my *** around town, im just assuming that's not like a 36 month note

I don't know how much a 4runner with "only" 100k miles is worth, I don't know much about fourbys, but I do know they are rather desirable. At this point you probably don't wanna know either.

 

I missed that part on the payment! OP was saying he can barely make his bills every month and instead of just getting another C5 with the insurance check gets into massive debt. Yikes. That used car dealership must've been so happy seeing him roll up and high-fiving each other after OP left. Are Challengers even reliable? I don't know anything about them since I don't care for Dodge products.