Hi all -
Well, almost a month ago I was involved in a head-on collision on our single-track dirt road. I was heading up the mountain while someone was coming down... road was freshly dragged and on a blind corner. I jammed on my brakes but just slid. I, and my 2000 Yukon XL, fared much better than the old compact car with which we collided. The driver suffered some minor injuries from the airbag. I just have some on-going neck/back pain but not significant.
Anyway. The cost to repair the body damage to my truck was about $5000 - and was covered AND COMPLETED. However, when I went to pick up my truck last Wednesday I was told that they found some additional electrical & A/C component damage - will be about an additional $1000 in repairs. They are (supposedly) not safety related....
Today the insurance adjuster called to say that they may end up at a *total loss* for my truck. Before this finding, they were within a few hundred dollars of total loss figure. The additional claim is being reviewed by a supervisor since the initial repairs have already been completed. It's a 50/50 chance that it will be totaled.
So, does anyone have any suggestions on what I should/could do? I do not want it totaled!!!
Right now it seems that I am $750 out of pocket ($500 deductible and $250 for matching tire). Should I offer to cover the cost of the additional repairs? Would I be able to purchase the vehicle if totaled? And then does the title reflect totaled vehicle?
Thanks in advance for any ideas or recommendations. BTW, I have Progressive insurance (TV and Airstream).... and have always been happy with them.