Determining the Value : Insurance is the worst.

Did your car get stolen?

 

well, there isn't much for accessories, but there are different packages, which add dollars.

it's the rare case, where the customer is happy with the insurance settlement.

you can go to kbb for a current value of your car. accessories depreciate faster than the base car itself.

 

Also check if they are giving you trade in, retail or dealer price. The range can be thousands. Their first offer is probably not their best but the closer you get to retail price the more they will fight. Bisco is right to check KBB but also check Edmunds and NADA as well as local listings. Feel free to remove anything you added that they won't pay for (such as Weather Tech, cargo nets, etc) and sell them separately. Good luck.

Posted via the PriusChat mobile app.

 

Wasn't it repossessed ?

 

Yes same guy. Memorable post last time

 

One of the best tools to determine what your car is worth is shop for one that had what yours had. This will give you a selling price that dealers would charge and what private sellers would charge. This can vary by location. If you believe they are low balling you do your homework and show them what it would cost to replace your vehicle. Has always worked in the past to get close to what your vehicle would cost to replace.

 

or just possessed?

 

Same person. He just totaled the "repossessed" prius after using family $ to get it back.
Why is the insurance company a bunch of jerks? Btw, you still owe Mom money for the insurance company jerks...remember, if it wasn't for her you wouldn't have car insurance...just pay her.

 

the insurance company is made up of human beings. flawed human beings.

 

Oh totalled car, ouch. The insurance company will pay the value of the car, not what you owe on it. Any difference comes out of your own pocket

 

Reading the original post, it doesn't make a difference what the cost of the options were, when the car was purchased new. It only matters what the book value is of the options on the car in the year of 2017. No insurance company will reimburse us with new pricing on the vehicle or its options. Check out kbb.com, put in your options, and you'll get a range of the value of the vehicle. The insurance adjuster will then determine the condition of the car, which will impact the price the insurance company will pay out.

One of the reasons why I like purchasing my cars preowned is that I can have options that I wouldn't have been able to afford brand new because of the depreciation.

 

I agree with @5 Speed. There are 3 or 4 car sale websites that will give you prices on a Prius for sale with exactly the options that you have. Look nationwide if you have to. I have always been able to negotiate with insurance companies based on the strategy of "there are x number of cars for sale in this area in the same condition, mileage, and options as the one you totaled. I want the average of the sales price of those cars." I've never gotten the full average amount, but I've come pretty close.

For example, Car Gurus lists 55 2010 Prii's for sale in Philly:
2010 Toyota Prius For Sale in Philadelphia, PA - CarGurus