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With expensive luxury cars I ALWAYS opt-in for gap coverage so I don't have to worry about this issue.
I'm in the midst of a DV lawsuit now from a rear end collision last year. PM me and I'll share some details and insights. There's no urgency on your part, however, as the official DV appraisal process typically begins after the repairs are complete. Make sure you have good photos of the damage, though. That helps. And if you have pics of the car before the wreck, that can be useful, too.
GAP has nothing to do with diminished value.With expensive luxury cars I ALWAYS opt-in for gap coverage so I don't have to worry about this issue.
GAP has nothing to do with diminished value.
That doesn't avoid diminished value when you sell. You can sometimes get your car insurance to pay you the diminished value after an accident since your cR is worth less even after the repairs are made.
Hey Cerie - I too have USAA and when I was trying to get a quote for my 60D, they only had a 70. no P100DL, no 85DL, no 60 --just a 70.Thanks everyone for your replies. It's helped clarify a lot of questions I had and I now know to wait until after everything is fixed to file the DV claim. I have USAA as my insurance and was told by their representative that I would be filing the DV claim against the insurance of the third car as it was a 3 car accident (third car pushed second car into me) and they are insured by State Farm.
However, there was no police report filed although the police did come out so I'm guessing one of our body shops/insurance companies will be reporting to CarFax. I'm just hoping this doesn't have to go to court. Taking my car in to the body shop on Monday to assess the extent of the damage.
yeah - probably better to not rock this boat. I just figured P100DL drivers might have higher premiums because of the car, but they might also get tagged to the Driver by the type of claims submitted.I just switched to USAA this past week and dealt with the same issue. VIN showed up as a 70 despite it being a 60. I was told that they haven't added the new 60 (with a 75kwh battery) to their system yet. It may end up being a wash cost wise since the new 60 has the larger battery.
Just a quick note about DV (and accidents in general). Drivers have insurance to protect them from having to pay expensive claims out of pocket. This is not the same as protecting from financial responsibility.
Nothing protects the at-fault-driver from responsibility for financial losses to another party that was damaged in any way. Proving the damage is the responsibility of the claimant of course.
It's often most effective, in claiming damages beyond "getting your car fixed", to make the claim directly to the party that did the damage. They'll say "I have insurance...go through them". And the standard response is "good for you...YOU go through them"... "My claim is against YOU as YOU did the damage". This can often involve a small-claims court law suit. Which is remarkably simple.
Having insurance does not abdicate an individual from being personally responsible for damages beyond getting-your-car-fixed.