Quote:
Originally Posted by anxiety
Jesus how much was your car? Over $30k?
The replacement plus will claim the car as total loss if the damage cost is 50% or more of the car's value.
So do they just use the car's brand new MSRP and divide that by 2?
But looks like they used the car's OTD price divided by 2 in your case because there is no way a fully loaded civic's MSRP is over 30k.
edit: do you remember if the shops specifically mentioned that they used OEM parts to repair your car? One of the features in the NVR.
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Uh I think it was MSRP 28 or 29K. FWIW, 10th gen Civic (2016-Present)is like 32K iirc.
I'm not sure how they did it because I was quite adamant that they should have written off the car - based on value. No frame damage, replaced with OEM parts (I had to specify this with the shop). They replaced the exhaust system (probably just the muffler and assoc. bits), front bumper, front grille, and rear bumper.
Fortunately, I didn't have to use NVR+ again, but even if I did, I wouldn't know if my insurance is still active. I'm pretty sure I purchased it for an "x" period of time for "y" distance driven. But I wasn't sure - I'm still not sure if it's a one time use type of thing.
Aside from mental trauma (scared to drive on knight bridge during rush hour / not a fan of driving in rush hour on the hwy), I had it pretty good compared to the other two cars behind me. The front two cars had it pretty easy too.
Pictures attached (low quality due to Tapatalk).
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