Car Insurance Total Loss

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car insurance total loss?

I own a 1997 dodge intrepid std 4 dr sedan 6cyl gasoline 3.3 liter 4 speed in fair conditions cd player no rust with 197,242 miles. My car was was in a hail and tornado damage where the hood has a dent and the driver and passanger side have dent and the trunk. I have full coverage insurance and they telling me that my car was total last i love my car and i spent alot of money fixing it and it drives great no problem. So I was trying to get some help from some one that could tell me how much is my car worth so they wont give me less money and if they offer me less what could I do. I am not trying to bew greedy but i do love my car and spent alot of money on it. I would rather get it fix . PLEASEEEEEEEEEEEEEEE HELP ME

A high-mileage Intrepid is not going to be worth much, but the company should offer you an “Owner retain” settlement figure. It’s less than you get if they take the vehicle, because they subtract the salvage value of the vehicle. At least that way you could keep it. I’m so sorry. If you take a $2000 car and sink $10,000 worth of work and customizations into it, it is likely still only worth $2000. Depending on the customizations, you may have even decreased the value by narrowing the pool of possible buyers. You may be able to buy special coverage that states the value. talk to an independent agent in your area.
Good luck.

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