Member
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Join Date: Sep 2018
Location: Sedro-Woolley, WA
Posts: 178
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Member
Join Date: Sep 2018
Location: Sedro-Woolley, WA
Posts: 178
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We are in WA and our manual sr5 was totalled by a 16 yo (who hit my wife and his dad tried to pay us a low amount out of insurance) in September. While it had high miles it was probably the cleanest rust free example. We replaced it with a Limited (which is now a manual), same year, 100k less miles, and always local here - and while it's clean and rust free, it isn't the same as that sr5 was.
Our payout was lower and not enough to replace it with a stock manual. It was a substantial payout for a daily driven SUV with 320k miles and 23 years old. (About half of the OPs).
Now, knowing a bit about insurance I would guess why they had no problem making that payment.
Car insurance companies don't contract with medical providers. Generally speaking what the medical costs are billed as - are paid as. Unlike medical insurance where contractual amounts affect the actual payout.
So where am I going with this? A rollover accident that pays out $15k for all costs is incredibly cheap. Someone who is badly hurt in an accident can have costs of $1500+ per day in an ICU (just for the facility fee... not including doctor visits, medication, anything else). Then after all the medical costs come the pain/suffering and potential legal costs.
The insurance wants to close the claim out. No medical costs means they're probably happy to pay more out on the property and just close the claim out.
In our situation they were aware there is bodily injury and while handled separately, it's part of the whole claim cost. While our vehicle has been replaced, the claim is still open.
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