Slow down, you're gonna crash.
Tuesday, August 4, 2009 at 4:46PM A couple weeks ago my car was broken into while I was photographing a wedding. At the church. Apparently you're not safe anywhere. Smashed it up, stole my iPod, some loose change and a pack of gum.
Fine, whatever, suck it up, shell out the $200 deductable, buy a new iPod and get on with life, right?
Apparently not.
Just came from my appointment with the insurance assessor, and, turns out, when someone takes a crowbar to a thirteen year old car it's what they politely call a "total loss" which in not so plesant terms means "Here's a cheque for $2500 bucks, we ain't fixin' it, so you'd better start car shopping."
Now, that's not exactly what I was hoping for, considering that I've got wedding and honeymoon to pay for in less than a year. So I suppose I'd better start considering my options:
- Buy it back from MPI, replace the window myself, hunt down a scrap door and live with the mangled panels until the time comes that I'm ready to buy something new
- Buy something second hand for 10-15 grand - half of which I'd probably be able to pay outright, which would make the payments a pittance.
- Go for broke, buy something new (or almost new) and just live a little poorer than I'm used to for the next 4-6 years.
- Lease something.
What would you do? and any suggestions what I should be looking at for vehicles?
Ken
Yippee
Turns out that Autopac reneged on the writing off. Upon calling the adjustor who was handling my claim. He informed me that my car was in fact marginally worth more than the repairs. What that means, is that they'll fix it, as long as there's no extra costs that weren't noticed during the initial assessment.
Got my paperwork in the mail today, just have to set up an appointment with a bodyshop who will contact MPI with their quote for the required work, and if the bill is in line with their estimate, they'll get the go-ahead to fix'er up.
Guess I don't have to go car shopping just yet after all.