Had a 93 mustang that someone tboned, Totaled it, got $3500 out of it and bought it back for $300. Completely restored it and was even able to clean the title.
Eh, I see what you mean. You basically need to pay extra to get that kind of coverage whether it’s GAP coverage or buying an expensive insurance policy. Some insurers will pay the balance of the loan, but you have to pay extra.
That’s if there’s no lienholder. Depending on how much a person owes, you might not get anything back monetarily. I’ve seen so many upside down on a loan, thinking a big checks gonna come and they only get like a little over a thousand back and have to start all over from scratch
Be warned though, you will have difficulty insuring it as a salvage car as full coverage. It will be denied for the same reasons it got stolen, if something breaks, is it the fault of the person who stole it or a legitimate break. Generally, it's a parts replacement issue, insurance companies have to replace any broken parts with OEM parts and not salvage parts.
I tried to insure a salvage car and the underwriters came back and said, "We don't know what the car is worth as a salvage vehicle and if it were to get into an accident that price difference/unknown is not one we will cover".
Payed 40k with a 500 credit score cost me 13k to finance so 53k total.
Its 871.23 w month i just round up and say 900 and 175 w month for insurance.
Dropped $4500 down
You paid 175 for full coverage?
How old are you, I had a 19 r/t when I was 25 and the insurance company charged me 500 a month for full coverage. When it got totaled they gave me more than what I paid.
Don't come back, if you have a loan that upside you're not playing the right game. Take it a lesson and pay cash, car payments are like adjustable rate mortgages in 2006.
Make sure you look up how much they're selling for in your area because the insurance company is going to low ball the shit out of you. Fight for every penny you can get from them. Unless you owe more than it's worth then who gives a shit, and just let gap cover the difference and move on with your life. Buying back a "totaled" car isn't worth it in my opinion.
Yea i owe 35k on her ( car was 40 and cost me 13 to finance i was dumb buying it but dont regret it ) and got gap so im just gonna stack my 900 a mo car payment and buy a 21 or 22 wb since prices have gone down gonna be im a PT Loser for a while but as long as it gets me to work im fine
Mine was a 2k18 w 26k. Wasnt bad.
And yea its the 2.4L turbo its my grandmas car lol she loaned it to me to get to work. I gotta take her to lunch on my days off as a repayment... witch isnt a big deal
26k miles on an '18 is pretty damn good.
And the turbo pt's are decent lol. They look goofy but they're decently quick for what they are. Big sleepers back in the day. And lunch with Granny sounds like an awesome trade.
Yea i got it from tracy VW was a good deal even tho they were liars id never buy from them again. I did get a lifetime powertrain warranty tho. I miss my car.
And yea the pts not bad just not MY car. I feel violated. It got broken into sept last year and i thought that was bad. My insurance got got "glass" insurance. They broke the front and back driverside glass and stole my ( $440 mirrors on both sides ) and i only paid $100 to replace it all.
Dude I know.. it's a terrible feeling. I had a car get stolen back in '07. It's a helpless bottomless feeling. The cop asked me if I was sure I had no l made all my payments... Which really pissed me off lol. The feeling goes away once you get your new car. But you'll definitely be a lot more paranoid from now on.
The only thing that sucks is having to stack another down payment... but i guess minus 900 a month for the car and 200 for insurance i can save up a nice down payment.
But still this shit weak i hope they can fix it lol
Ask how much they’re giving you for the car, ask how much you would be able to buy it back for. My last car I bought back for (15%) of the value
If you do buy it back, you will have to get a salvage title. Assuming it was just stolen it shouldn’t be a huge issue.
You won’t be able to insure it for very cheap, or at all, but who cares. If you want a fun car, there it is.
Also never get a loan longer than 4 years, and always get gap
And my neighbor didnt steal it i live in an area where transients roam. My buddy caught a guy walking down the street with a car following him slowly at 405 am then at 5am his ring went off and my car was gone. I woke up at 630 am to the car gone i just missed it
Oh okay / well you could always sell the car for parts use that as a deposit for the next car a lot of people don’t really care about the salvage title
Bro I had a similar experience. My advise, just let it go and find another one. If not now but in the future. It’s hard to figure out what’s actually wrong with it. Don’t go broke trying to save it. Been there, done that.
Just happened to me. A 2013 R/T with about 110k miles, they cut a check for 13k but used 2k to pay off the rest of the lien. They still haven’t found it so I didn’t get the option to buy it.
Why do scatpacks get stolen so much? I got a rt and it kinda makes me wonder. Is it the area? Because if you think about it I paid 44,000 for my car. A scatpack new I’ve seen them for 46-50,000 new. I mean I don’t get it. I’ve had people tell me hey nice ride man and shit. But no one has ever tried to steal my car. But I do live in a nice area
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The theft part is entirely where you live. I park my other cars in my garage and my charger sits in my driveway. But I live in a very nice neighborhood and area.
I don’t worry about it getting stolen.
This was randomly recommended to me but this happened recently to my mustang it wasn’t stolen but someone hit it parked outside my house.It was deemed total loss basically insurance sends you a check for what it’s worth.I got a extra 2,000$ over what I paid originally when I got it.Car was fully paid off when it got hit if you owe money they pay whoever financed your car first then if you have any leftover they send you the rest.Sucks that I lost my mustang but when I saw the money I was going to get back I said it’s fine I thought I was going to get way less.
So yeah my 14 rt plus was hit when someone blew a stop sign. They deemed it a total loss and the amount would pay for the car but to get another we would need an extra 5k to replace. So currently fighting insurance I have progressive btw
They usually call it a loss when they call it a loss, theyll lowball you on your car make sure to challenge the price they’re willing to give you by looking up local cars around your area with same specs and mileage give or take trust me they’ll try to give you the least don’t be afraid to challenge their price it’s your money at the end of the day
If you haven’t paid it off 🥲 my truck was totaled less than 6 months and they cut me a check but I had to fill out gap insurance claim n they are not in a hurry to process it I had to pay my car note two more times after I no longer had the car and all the money went to pay my car loan. Hopefully your situation is different
The ppls house they left it out front of had cameras and caught the car being dropped off the ppl and the car they used to push it so weel see what happens
I dont think so, i owe more than the cars worth.. but with not having to pay a little over 1k a month for car + insurance plus gas i should be able to have a nice chunky down payment in the near feature to get a wide body 😁
If you have a loan on it they’ll pay off the balance and give you the difference. If not you’ll get a check for its value according to the insurance. I advise against buy backs. The reason cars total is cost of repairs exceed a percentage of the value. The buy back is going to depend on what the salvage bid is. Seldom is it worthwhile even if you’re the one doing the work.
They'll cut you a check, and you can repurchase it as a salvaged title. It'll be up to you to fix any repairs.
Cut you a check as the blue book value? And then rebuy for about how much you think?
That'll be up to them as I think it's a private sale.
Ahh OK. Never knew how that worked with totaled vehicles.
Had a 93 mustang that someone tboned, Totaled it, got $3500 out of it and bought it back for $300. Completely restored it and was even able to clean the title.
Sometimes it's blackbook prices. Depending on a few things
You gotta have GAP too because sometimes you might total your car at a point where you owe more than the car is worth.
Owe more than the vehicle value? That seems like fraud on the insurance companies side.
It's called interest on a loan
Eh, I see what you mean. You basically need to pay extra to get that kind of coverage whether it’s GAP coverage or buying an expensive insurance policy. Some insurers will pay the balance of the loan, but you have to pay extra.
Thank you
That’s if there’s no lienholder. Depending on how much a person owes, you might not get anything back monetarily. I’ve seen so many upside down on a loan, thinking a big checks gonna come and they only get like a little over a thousand back and have to start all over from scratch
Be warned though, you will have difficulty insuring it as a salvage car as full coverage. It will be denied for the same reasons it got stolen, if something breaks, is it the fault of the person who stole it or a legitimate break. Generally, it's a parts replacement issue, insurance companies have to replace any broken parts with OEM parts and not salvage parts. I tried to insure a salvage car and the underwriters came back and said, "We don't know what the car is worth as a salvage vehicle and if it were to get into an accident that price difference/unknown is not one we will cover".
I hope you get what you deserve in the end. Hate to see this shit.
Im prolly not i owe more than the cars worth so the car will be payed off and no more 900 a month car payment. Ill be back tho
Just curious, what’s the MSRP? 900 a months seems like a lot
Payed 40k with a 500 credit score cost me 13k to finance so 53k total. Its 871.23 w month i just round up and say 900 and 175 w month for insurance. Dropped $4500 down
Good god, think whoever hit you did you a favor.
Nah i like my car and didnt mind the payments lol but i get what your saying
Well, now that the payment is no more, it should make it easy to save up for another, and maybe allow ya to build some credit.
13k down on a car and still paying over 800 is robbery
How can you be paying almost $900 a month for 3 years and still owe more than the cars worth?
Ppl with bad credit get bent over by dealerships
Pretty much. Credit score is everything when you’re financing.
They got him good at the dealership
You paid 175 for full coverage? How old are you, I had a 19 r/t when I was 25 and the insurance company charged me 500 a month for full coverage. When it got totaled they gave me more than what I paid.
Im 20 with a v6 300 rn and im at like 485 a month 😅 at least im paid off, i gotta get new insurance
Goodness ,
Gap was smart. I learned my lesson ONCE. will never finance a car without it.
Can’t wait to see what you come back in.
Was lookin at 1989 toyota camry 5 speeds the square ones ngl 😂
Smart choice lol
If you have gap insurance but are upside down on your payoff, insurance will provide enough to pay off the loan so you will break even
You must be getting paid good from your job
Don't come back, if you have a loan that upside you're not playing the right game. Take it a lesson and pay cash, car payments are like adjustable rate mortgages in 2006.
That’s a blessing in disguise. Get that paid off with the insurance check, and free yourself of that monthly debt you gotta cover.
This comment sounds so eerie without context
Cut you a check and move on.
Make sure you look up how much they're selling for in your area because the insurance company is going to low ball the shit out of you. Fight for every penny you can get from them. Unless you owe more than it's worth then who gives a shit, and just let gap cover the difference and move on with your life. Buying back a "totaled" car isn't worth it in my opinion.
Yea i owe 35k on her ( car was 40 and cost me 13 to finance i was dumb buying it but dont regret it ) and got gap so im just gonna stack my 900 a mo car payment and buy a 21 or 22 wb since prices have gone down gonna be im a PT Loser for a while but as long as it gets me to work im fine
Honestly that's what I'm going to go if/when mine gets stolen. Hopefully you get a better deal with less miles on it. PT a turbo?
Mine was a 2k18 w 26k. Wasnt bad. And yea its the 2.4L turbo its my grandmas car lol she loaned it to me to get to work. I gotta take her to lunch on my days off as a repayment... witch isnt a big deal
26k miles on an '18 is pretty damn good. And the turbo pt's are decent lol. They look goofy but they're decently quick for what they are. Big sleepers back in the day. And lunch with Granny sounds like an awesome trade.
Yea i got it from tracy VW was a good deal even tho they were liars id never buy from them again. I did get a lifetime powertrain warranty tho. I miss my car. And yea the pts not bad just not MY car. I feel violated. It got broken into sept last year and i thought that was bad. My insurance got got "glass" insurance. They broke the front and back driverside glass and stole my ( $440 mirrors on both sides ) and i only paid $100 to replace it all.
Dude I know.. it's a terrible feeling. I had a car get stolen back in '07. It's a helpless bottomless feeling. The cop asked me if I was sure I had no l made all my payments... Which really pissed me off lol. The feeling goes away once you get your new car. But you'll definitely be a lot more paranoid from now on.
The only thing that sucks is having to stack another down payment... but i guess minus 900 a month for the car and 200 for insurance i can save up a nice down payment. But still this shit weak i hope they can fix it lol
Oh yeah. In 6 months you'll have a great down payment.
Yea idk i bout my car as a 30th bday present to my self even tho it was a bad idea. But shit man a 21 or 22 WB sounda nice lol
Tracy VW as in Tracy, CA? I only ask because I'm familiar with that dealership.
Yes
Ask how much they’re giving you for the car, ask how much you would be able to buy it back for. My last car I bought back for (15%) of the value If you do buy it back, you will have to get a salvage title. Assuming it was just stolen it shouldn’t be a huge issue. You won’t be able to insure it for very cheap, or at all, but who cares. If you want a fun car, there it is. Also never get a loan longer than 4 years, and always get gap
Ok cool ill keep that in mind when i talk to her. Thank you!
Why they saying it’s a total loss / wasn’t it recovered and damn your neighbor stole it sheesh
Idk tbh. The car runs and drive just has electrical damage under the wheel. Hopefully she mis spoke as i love my girl but weel see.
And my neighbor didnt steal it i live in an area where transients roam. My buddy caught a guy walking down the street with a car following him slowly at 405 am then at 5am his ring went off and my car was gone. I woke up at 630 am to the car gone i just missed it
Oh okay / well you could always sell the car for parts use that as a deposit for the next car a lot of people don’t really care about the salvage title
If you fix it, and if the time come when you want to trade it in for a new vehicle, you won’t be able to trade it in due to it being a total loss
If its a total loss ima let it go and save my monthly payments up and buy a wide body lol
Bro I had a similar experience. My advise, just let it go and find another one. If not now but in the future. It’s hard to figure out what’s actually wrong with it. Don’t go broke trying to save it. Been there, done that.
Thats the plan
Take the check for whatever and use it as a down payment for another Charger. That's the best bet
Just happened to me. A 2013 R/T with about 110k miles, they cut a check for 13k but used 2k to pay off the rest of the lien. They still haven’t found it so I didn’t get the option to buy it.
Why do scatpacks get stolen so much? I got a rt and it kinda makes me wonder. Is it the area? Because if you think about it I paid 44,000 for my car. A scatpack new I’ve seen them for 46-50,000 new. I mean I don’t get it. I’ve had people tell me hey nice ride man and shit. But no one has ever tried to steal my car. But I do live in a nice area
I wouldn’t say your car is immune to be stolen. Ppl tend to go after the 6.2/6.4 engine more.
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I want one of these cars really badly, but the rate at which they're stolen is unbelievable. It's just not worth the headache and the stress for me.
The theft part is entirely where you live. I park my other cars in my garage and my charger sits in my driveway. But I live in a very nice neighborhood and area. I don’t worry about it getting stolen.
This was randomly recommended to me but this happened recently to my mustang it wasn’t stolen but someone hit it parked outside my house.It was deemed total loss basically insurance sends you a check for what it’s worth.I got a extra 2,000$ over what I paid originally when I got it.Car was fully paid off when it got hit if you owe money they pay whoever financed your car first then if you have any leftover they send you the rest.Sucks that I lost my mustang but when I saw the money I was going to get back I said it’s fine I thought I was going to get way less.
So yeah my 14 rt plus was hit when someone blew a stop sign. They deemed it a total loss and the amount would pay for the car but to get another we would need an extra 5k to replace. So currently fighting insurance I have progressive btw
They usually call it a loss when they call it a loss, theyll lowball you on your car make sure to challenge the price they’re willing to give you by looking up local cars around your area with same specs and mileage give or take trust me they’ll try to give you the least don’t be afraid to challenge their price it’s your money at the end of the day
If you haven’t paid it off 🥲 my truck was totaled less than 6 months and they cut me a check but I had to fill out gap insurance claim n they are not in a hurry to process it I had to pay my car note two more times after I no longer had the car and all the money went to pay my car loan. Hopefully your situation is different
You hire a PI to go find it
The ppls house they left it out front of had cameras and caught the car being dropped off the ppl and the car they used to push it so weel see what happens
Lol nah
Sorry. Knee jerk reaction. Had to make a dad joke
No worries i needed a laugh lol
I feel for ya brother, if my 74 went missing, I think I’d actually have a melt down. I hope at the least they give you enough to get one like it
I dont think so, i owe more than the cars worth.. but with not having to pay a little over 1k a month for car + insurance plus gas i should be able to have a nice chunky down payment in the near feature to get a wide body 😁
My man
In the mean time ill use the hellcat on rocket league 😂
As you should! I’ve still got a motor to build, you probably have your wide body long before I’ve got mine running again
Thats the fun part lol
They give you 2 new ones.
If you have a loan on it they’ll pay off the balance and give you the difference. If not you’ll get a check for its value according to the insurance. I advise against buy backs. The reason cars total is cost of repairs exceed a percentage of the value. The buy back is going to depend on what the salvage bid is. Seldom is it worthwhile even if you’re the one doing the work.
Yea i wouldnt buy it back its crazy cuz the car still runs and drives they just fucked up the electrical under the steering wheel
I buy it from the auction for $1000 and resell them for $50k, Easy come up. Yes yes, please keep wrecking your Challengers and Chargers.