Car Insurance Claim Concerns

Summary

Scotts vehicle was involved in an accident where the other party was at fault. He made a claim with the other partys insurance company, Progressive. His vehicle was towed to a salvage yard by the claims adjuster, which raised his suspicions. He has not received any official documentation stating that his vehicle is a total loss. He also has an existing loan on the vehicle. He was advised to keep his bank informed about the situation and consider getting an independent appraisal for his vehicles damage.

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My vechicle was involved in an accident where other party is at fault
Did you report the accident to the police and your insurance company, ****?
I have made a claim with that partys insurance company. But I think something shady maybe happening
What makes you suspect something shady is happening with the insurance claim?
Yes police arrived on scence but since it happened in parking lot no report was taken by police
What specific actions or behaviors are making you suspect something shady with the insurance claim?
Ithe claims adjuster had my vechicle towed from my home to what he called another location to be accessed . I havent heard back from him .tody I called insurance company and they said it had been towed to one of their salvage yards
What communication have you had with the insurance company regarding the status of your vehicle after it was towed?
I asked shouldnt it haven been taken to repair place .she said if it was gonna be totaled out it would be pointless to take it to a repair placs.and adjuster would call me today or to.orroe
What is the make, model, and year of your vehicle? In Virginia, an insurance company can declare a car a total loss if the repair costs exceed *% of its actual cash value.
* chevorlet Traverse AWD LS
What is the current condition of your vehicle and do you have any estimates for the repair costs?

In Virginia, if repair costs exceed *% of the car's actual cash value, it can be declared a total loss.
It was in good shape before accident. No I called to make claim and see if they had somewhere in particular they dealt with I could take it
What is the estimated value of your vehicle before the accident?

In Virginia, if repair costs exceed *% of the car's actual cash value, it can be declared a total loss.
Im not sure I think was around 10k
What is the name of the insurance company you're dealing with?

In Virginia, if repair costs exceed *% of the car's actual cash value, it can be declared a total loss.
Progressive
Progressive
What specific concerns do you have about the way Progressive is handling your claim?
Basicly if it is less expensive for them to total it out than to repair it what is there to keep them from doing that
What is the extent of the damage to your vehicle? In Virginia, an insurance company can declare a car a total loss if the repair costs exceed *% of its actual cash value.
And since I have a existing loan on vechile with a bank does that mean if they total it will loan be paid off
If your vehicle is totaled, the insurance company will pay the actual cash value of the vehicle. If this amount is less than your outstanding loan, you'll still owe the remaining balance.
Driver side rear. Lift gate, quarter panels , bumper . The Real wheels, frame, suspension, drive train may have been damaged as well
What is the estimated cost of the damages to your vehicle?
I dont know yet they havent told me
What is the name and contact details of the claims adjuster handling your case?
Can I ask why you need that?
I don't need the adjuster's contact details. I was asking to ensure you have a point of contact at the insurance company. Have you considered getting an independent appraisal for your vehicle's damage?
Yes but dont have any idea how to do that
You can hire an independent auto appraiser. They will inspect your vehicle and provide an estimate of the repair costs. You can find one online or in your local directory.
Ok
What is the current status of your loan and how much do you still owe?
Its in good standing and the today payoff is *.5k
What is the name and contact details of your bank? It's important to keep them informed about the situation.
I know them but I havent notified them
What is the name of your bank? It's important to notify them about the situation as soon as possible.
Member One
What is the contact information for Member One bank?
I would have to look it up
That's fine. It's important to keep your bank informed about the situation. They may also have resources or advice to help you navigate this process.
Ok
What is the current status of your claim with Progressive?

In Virginia, if your vehicle is declared a total loss, the insurance company will pay the actual cash value of the vehicle. If this amount is less than your outstanding loan, you'll still owe the remaining balance.
I just dont understand after sending pictures to adjuster why he said he wanted towed to another location to have it looked at and have have it towed to salvage yard instead of a repair place
Did the adjuster provide any explanation for why your vehicle was moved to a salvage yard instead of a repair shop?
He just said he wanted it towed to another place to be looked at and accessed..
Have you received any written communication from the insurance company or adjuster about the status of your vehicle and their decision?
Progressive told me it was a salvage yard
What was the reason given by Progressive for moving your vehicle to a salvage yard?
The lady said and I quote if its gonna be totaled its pointless to take it to a repair place
What is the estimated value of your vehicle before the accident?
I think around 10k
What is the current market value of a similar model, make, and year vehicle in your area? This can help determine if the insurance company's valuation is fair.
About same I think
Have you received any official documentation from Progressive stating that your vehicle is a total loss?
No
No
What is the current status of your claim with Progressive?
In progress
In progress I think
What is the name and contact details of the claims adjuster handling your case?
I have left him a message already
I have left him a message
I know it
Thanks for you help . Goodbye
You're welcome, ****. Don't hesitate to reach out if you have more questions in the future. Goodbye!