Hi guys. Like the title says, I need some advice after one of my cars was stolen. Luckily it wasn't my 4Runner, but this forum is the most helpful forum I use.
To keep it short, I was staying in a hotel last weekend and my car keys were stolen from my room and they took the car. My insurance (Progressive) will cover it for the cost of my deductible if the car doesn't show up in the next 10 days or so. If it does show up and is damaged, they will fix it or total it.
My question is, if it's totaled or not recovered soon, how do I get insurance to pay as much for the car as possible?
Things I can think of:
- Don't take the first offer they give me
- Someone on this forum told me years ago that I should be able to get my sales tax back that I paid for the car, so I'll try that
- Shop for comparable cars to get an idea of how much it would cost to replace it
Do any of you have experience with providing insurance with comparable examples that are currently for sale? Can I just send them links to Facebook Marketplace, Cars.com, Craigslist etc?
I bought the car used from a dealership which would be more expensive than buying from a private owner, does that factor into the replacement settlement?
- the Internet - the mother-ship of people who don't know much and aren't afraid to go public
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