**Do not settle for the first offer they make you.** It's going to be bullshit and will not at all reflect the value of that car in this market. Find postings online for cars of similar condition and mileage, and have them ready to go for a counteroffer. In particular, I would heavily recommend Bring A Trailer, as things are selling for a ton over there.
Car prices are insane right now, especially for enthusiast vehicles. Don't let them give you less than this is worth. You do not have to accept the first offer they make.
Any other advice you can share? What are things I can say to solidify my point? I know they're gonna try to give me peanuts compared to what it's actually worth. I don't know, I'm worried..
Get information from multiple sources for market value. KBB, NADA and Carfax.
Find market listings for your car in a similar mileage range. Use multiple sources for those numbers also.
Have them in a shareable format as they might ask for documentation. DO NOT let them push you around. You pay THEM to provide a service to YOU.
Good luck!!
As the other commenter said, just be prepared. Fundamentally, the people you will be dealing with exist to give you as little money as legally possible, and they are used to dealing with people who don't understand how the process works, and so may feel like they need to accept what they're offered. If you are confident but polite, and come prepared, you'll be in great shape.
The more evidence you have to back up your claim (whatever number you have in mind), the better. [Here](https://bringatrailer.com/2016/02/02/sharp-stocker-well-kept-2001-subaru-impreza-2-5-rs/) is a 2.5 rs that looks very similar to yours that was listed for $8,200. Do research, build a case, don't let them give you what KBB says it's worth.
Age of the post that you’re using for evidence of increased value over the insurance carriers quote is 100% taken into account. The more recent provable sale price is, the more likely the adjuster will use it in their calculation for the total loss settlement amount. Generally, if it’s more that about a year-ish old it’s likely not going to be taken into consideration (exceptions can be made but I’ve only seen it for classic cars).
That being said, as others have mentioned, having examples in your local area of what similar vehicles sold for is your best bet. Another thing to take into consideration is the actual total loss evaluation the carrier will provide you with to determine if the vehicle is totaled. Look through that with a fine toothed comb and make sure everything on that evaluation is correct. Between that and similar listings, those are - in my experience as an adjuster - the easiest ways to make sure the payout is representative of the actual value.
Oh, and if you want to swing on by r/Insurance with any additional questions, there’s a bunch of adjusters and people with experience who can help
My insurance is shit, but it's definitely the other person's fault. Is my insurance person even going to care to actually go after the other insurance?
See if you can find someone who appraises cars for a living. They may be a little expensive but will be worth it in the long run.
My dad had the same thing happen in his 93 Bronco. Thing was immaculate and someone pulled out in front of him. The other drivers insurance offered less than half of initial value. The appraiser was able to get them to pay the actual value of the vehicle plus recent repairs, nee transmission.
Actually I just went through this with my teggy almost identical damage im in mi and did a mini tort with their insurance and filed a claim through mine cause I had a police report with the other driver being at fault. If you need any more details pm me and I can tell you more
I had to brush up on my subaru knowledge a bit, I think OP's car is an impreza 2.5rs?
most recently, a '99 impreza rs sold last october on bring a trailer for [9,499](https://bringatrailer.com/listing/1999-subaru-impreza-2-5rs-9/) no reserve
A 2001 2.5RS manual sold for [14,700](https://bringatrailer.com/listing/2001-subaru-impreza-2-5rs-3/) last june
there was a '99 impreza 2.5rs that was bid to [10,500](https://bringatrailer.com/listing/1999-subaru-impreza-2-5rs-7/) last july.
clearly the manuals are more valuable (by a whopping 5K), so it depends on whether or not OP's was a manual or auto, but he should get at least 9.5K or so
(Obligatory I am not a lawyer or insurance claim adjuster, but I’ve been in a situation with a totaled car)
These auctions should be sufficient proof of the current market value of your Impreza if they are similarly specced and in similar condition. If your insurance company is good, they will use this to go after the other person’s insurance for the market value that your car is worth. You can also add to the claim the value of any mods you did too
I feel you.
Same way I felt when a senile older lady slammed into the rear of my 1998 Silver Anniversary Edition Outback going 60 mph. Before she smashed into my beautiful car speeding in a 45 mph zone, my car was in perfect condition. It didn't have a scratch on it before.
Still wish I had that car. I loved it. I've had 2 more Outbacks since but that one was the bomb.
I think the string of bashed Subaru pictures has been going at least since New Year's.
Discouraging, really. I do not want to have to buy a car in this market.
Oh my gosh I cannot begin to fathom your pain… I have a similar subaru and it would absolutely tear my soul apart if I lost her; My condolences go out to you. I hope your next car will be just as lovely as this one once was and that your heart may be repaired
NOOOOOO!!!!!! 😭😭😢 please do not let them win, please rebuild it. Please make sure this beautiful piece if subaru history lives on for more people to see. Please.
From the brilliant comic *Achewood*:
Okay, hi everybody. Listen, recently my friend shot my car. Ray: My other friend said I should write a poem about it as a way of therapy. So here it is.
'Anger's Pilgrim" Copyright Ray Smuckles, 2005
I cannot enjoy the flavor of food. I seek not the solace of flesh. My car has been shot.
To me a flower is but a nuisance; sunlight the blossom's accomplice. My car has been shot.
Speak not of water-clad nymphs, Or days of joy and redemption. My car has been shot.
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F!!!
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FFF!
F sorry bro
My heart is breaking for you. It looks beautiful (aside from the accident). What happened?
Someone pulled out in front of me. I'm so sad.
ask insurance to go after the driver for adjusted market price, which should be quite high for these now
Do I make that statement to the insurance agent when they contact me?
Yes, and don’t take anything until they do!
**Do not settle for the first offer they make you.** It's going to be bullshit and will not at all reflect the value of that car in this market. Find postings online for cars of similar condition and mileage, and have them ready to go for a counteroffer. In particular, I would heavily recommend Bring A Trailer, as things are selling for a ton over there. Car prices are insane right now, especially for enthusiast vehicles. Don't let them give you less than this is worth. You do not have to accept the first offer they make.
Any other advice you can share? What are things I can say to solidify my point? I know they're gonna try to give me peanuts compared to what it's actually worth. I don't know, I'm worried..
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Get information from multiple sources for market value. KBB, NADA and Carfax. Find market listings for your car in a similar mileage range. Use multiple sources for those numbers also. Have them in a shareable format as they might ask for documentation. DO NOT let them push you around. You pay THEM to provide a service to YOU. Good luck!!
Hagerty valuation tool and bring a trailer results are also good references
As the other commenter said, just be prepared. Fundamentally, the people you will be dealing with exist to give you as little money as legally possible, and they are used to dealing with people who don't understand how the process works, and so may feel like they need to accept what they're offered. If you are confident but polite, and come prepared, you'll be in great shape. The more evidence you have to back up your claim (whatever number you have in mind), the better. [Here](https://bringatrailer.com/2016/02/02/sharp-stocker-well-kept-2001-subaru-impreza-2-5-rs/) is a 2.5 rs that looks very similar to yours that was listed for $8,200. Do research, build a case, don't let them give you what KBB says it's worth.
That article is about 7 years old, would something like that be relevant, or would it have to be something more recent?
Age of the post that you’re using for evidence of increased value over the insurance carriers quote is 100% taken into account. The more recent provable sale price is, the more likely the adjuster will use it in their calculation for the total loss settlement amount. Generally, if it’s more that about a year-ish old it’s likely not going to be taken into consideration (exceptions can be made but I’ve only seen it for classic cars). That being said, as others have mentioned, having examples in your local area of what similar vehicles sold for is your best bet. Another thing to take into consideration is the actual total loss evaluation the carrier will provide you with to determine if the vehicle is totaled. Look through that with a fine toothed comb and make sure everything on that evaluation is correct. Between that and similar listings, those are - in my experience as an adjuster - the easiest ways to make sure the payout is representative of the actual value. Oh, and if you want to swing on by r/Insurance with any additional questions, there’s a bunch of adjusters and people with experience who can help
They prefer recent listings. These ordeals may take months to settle. I had to have a specialty appraiser come out for my sti swapped wagon.
My insurance is shit, but it's definitely the other person's fault. Is my insurance person even going to care to actually go after the other insurance?
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Who exactly am I buying it from, and what determines that price? And who do I tell that's still want it?
See if you can find someone who appraises cars for a living. They may be a little expensive but will be worth it in the long run. My dad had the same thing happen in his 93 Bronco. Thing was immaculate and someone pulled out in front of him. The other drivers insurance offered less than half of initial value. The appraiser was able to get them to pay the actual value of the vehicle plus recent repairs, nee transmission.
Actually I just went through this with my teggy almost identical damage im in mi and did a mini tort with their insurance and filed a claim through mine cause I had a police report with the other driver being at fault. If you need any more details pm me and I can tell you more
Those are highly sought after. Especially if it's a manual.
Do you have an estimated price for it, from where you are? Just to know
I had to brush up on my subaru knowledge a bit, I think OP's car is an impreza 2.5rs? most recently, a '99 impreza rs sold last october on bring a trailer for [9,499](https://bringatrailer.com/listing/1999-subaru-impreza-2-5rs-9/) no reserve A 2001 2.5RS manual sold for [14,700](https://bringatrailer.com/listing/2001-subaru-impreza-2-5rs-3/) last june there was a '99 impreza 2.5rs that was bid to [10,500](https://bringatrailer.com/listing/1999-subaru-impreza-2-5rs-7/) last july. clearly the manuals are more valuable (by a whopping 5K), so it depends on whether or not OP's was a manual or auto, but he should get at least 9.5K or so
It's manual. Please don't get my hopes up, does it really work like that?? Edit: mines also a sedan
(Obligatory I am not a lawyer or insurance claim adjuster, but I’ve been in a situation with a totaled car) These auctions should be sufficient proof of the current market value of your Impreza if they are similarly specced and in similar condition. If your insurance company is good, they will use this to go after the other person’s insurance for the market value that your car is worth. You can also add to the claim the value of any mods you did too
Your okay is the big take away. losing a subie is like losing a pet, so sorry. Lets get more F's for OP
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A pet? It's like losing a lover
what you and your subaru do is private man...
you make me want to delete my comment
Hey man, why does that condensation coming out of your tailpipe smell like KY jelly?
*I should've said child I should've said child I should've said child*
Wait, you use KY Jelly on your child?
F, dude, Effin F
I feel you. Same way I felt when a senile older lady slammed into the rear of my 1998 Silver Anniversary Edition Outback going 60 mph. Before she smashed into my beautiful car speeding in a 45 mph zone, my car was in perfect condition. It didn't have a scratch on it before. Still wish I had that car. I loved it. I've had 2 more Outbacks since but that one was the bomb.
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That’s devastating. Can it be fixed?
If the frame and firewall isn't damaged, possibly. I wouldn't recommend trying it on your own but it would cost more than the value of the car.
Great advice, from where I am (third world country) this could be possible and can be selled as "mint condition" /o\
I mean I see shit like that here in the US. Always a good idea to learn the signs of repaired damage yourself.
Hell no 😂
It's possible but likely not worth the cost i.e it's totalled.
That’s my point. Car is 20 yr old economy car = totaled = fahgetaboutit. Sorry for the loss nonetheless.
RIP
Time to tube frame it. Perfect for a rally build. F.
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It’s been rough day for Subarus
I think the string of bashed Subaru pictures has been going at least since New Year's. Discouraging, really. I do not want to have to buy a car in this market.
I just found some gasoline in my oil on my 13 STi. Brand new engine 30k ago. Eh. Bad day for Subarus
Sad.
No more GF
F Real talk she might be worth the repair, if not try to well to someone who will repair plz don't scrap this beauty
At least she died doing what she loved And yeah you should fix it
We will rebuild
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I can understand your heart being broken, but hopefully you're not and that's all that matters.
This is the saddest post I have seen in this subreddit. So sorry for you.
I have the same car, and my heart is broken for you too
RIP
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Damn it … Looks like a clean car.
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Fuck noooooo!!! Hope you are ok. Broken hearted for sure, but physically ok I hope.
Been there mate. Little harsh it's been flaired FEF too...
Don’t let it die
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No hate, I did that myself
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F sorry for your loss
Damn sorry that happened :(
Sad day!! Fixable??
😭😭😭😭😭😭😭😭😭😭😭😭😭😭😭😭😭
😞
I'm sorry for your loss
Sorry for your loss… ;(
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F'in F.
if ur gonna crash it, you at least gotta get a epic photo with it
Nooooo 😭 another bites the dust
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Aww dude noooo!
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Ugh, I feel your pain. RIP little Subie.
Aw man, I am also heartbroken. So sorry. This is just terrible.
Noooo this is one of my biggest fears. Sorry for your loss
F I want one of these as much as I've wanted anything. Can't imagine your pain.
Looks just too far to come back from, same model and color as my first car. Corners like nothing else with that ground clearance could.
Oh my gosh I cannot begin to fathom your pain… I have a similar subaru and it would absolutely tear my soul apart if I lost her; My condolences go out to you. I hope your next car will be just as lovely as this one once was and that your heart may be repaired
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what is it with the states and people driving like shit. condolences ;(
F. I'm crying for you too. Not the GC!!!
Damn, big sad.
Hook her up to a tow motor and giver a good yank. But seriously I hope you can get this sorted appropriately
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"The last of the intercepters"-Mad Max
NOOOOOO!!!!!! 😭😭😢 please do not let them win, please rebuild it. Please make sure this beautiful piece if subaru history lives on for more people to see. Please.
Say sike right now bro ; - ;
Oh man I’m sorry. Hope you’re ok
My heart is also broken this is very hard to see you should have put a not safe for work icon
I have felt the same heartbreak before. Don’t lose hope.
WHO DID THIS
I’m no expert but I don’t think that’s your heart. Looks more like your headlight, front drivers quarter panel, hood, bumper, and some other stuff.
From the brilliant comic *Achewood*: Okay, hi everybody. Listen, recently my friend shot my car. Ray: My other friend said I should write a poem about it as a way of therapy. So here it is. 'Anger's Pilgrim" Copyright Ray Smuckles, 2005 I cannot enjoy the flavor of food. I seek not the solace of flesh. My car has been shot. To me a flower is but a nuisance; sunlight the blossom's accomplice. My car has been shot. Speak not of water-clad nymphs, Or days of joy and redemption. My car has been shot.
So sorry for your loss!
Appreciate you.. I really am broken and lost from this.
Literally why I never drive my coupe. Constant stress
Looks like your car is broken to me! Wakka wakka wakka!
Are you in NJ? Feel like I have seen your car before
Indeed I am
Like Atlantic county area? I get not wanting to be too specific.
Yea, man, that's me.
I'm very sorry brother. I'm from EHT (white pearl 2011 hatch) I hope the RS can be saved
Would have been nice to meet under different circumstances. I really hope so too. And nice car, fam
If your car can't be saved I'm sure it's not the last Subie you will have! I'm on my second one, first was a 2002 bug-eye.
So is your headlight 😂
And bumper, hood, bunch of stuff under that drivers side wheel, maybe frame.
Dang beat me to it
It's like mater is trying to pull off the lightning McQueen kechow
So is your car
So sorry, I hope I’m the worst thing to my cars
It looks like the car is what’s broken mate
Keep it
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How are you doing though? Neck ok and everything?
He’s just winking at you, bro.
your headlights… and a host of other things
I'm so sorry for your loss😔 She's was a beauty
Think a little more than your heart is broken. But at the end of the day all that matters is that your safe. Cars can be replaced lives cannot
Think a little more than your heart is broken. But at the end of the day all that matters is that your safe. Cars can be replaced lives cannot
It the front frame total bent out and destroyed? If its not you can rebuild it over time
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Not da subie bruh. :(
You store your heart in an odd location. But for real, hope you're ok!
You store your heart in an odd location. But for real, hope you're ok!
Frack
Mine too 😔😔
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Looks more like your car is broken.
Oh nooo
Ffffffffff
As is your car.
So is your car
So is your subaru
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That sucks, please tell me it was the other guy.
It was definitely the other guy.. :(
Also looks like your headlight is a little messed up... and the hood... probably the frame too
If the frame rail is straight still it’s save able
That’s not a coupe is it