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  #13  
Old 04-22-2014, 08:09 AM
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Re: Totalled

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Originally Posted by kennzz05 View Post
that beaver step will transfer the hit directly to the frame which will certainly increase the chance of frame damage.And according to the link below increase whiplash damage by 22%. Same reason not to leave your hitch receiver in place when not towing. todays vehicles are designed to crush that step could effect that, and in turn make the crash worse on the occupants. just my 2c

found this:
The National Safety Commission Alerts: How Receiver Hitches Affect Rear End Collision Injuries

and this:

Superbumper and Sparebumper Impact Attenuators Help Eliminate Rear End Collision Damage with a Patented Compression System that's Proven & Tested
If I'm reading this correctly the beaver can decrease damage, but increase whiplash and the sparebumper decreases both damage adn whiplash?
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  #14  
Old 04-22-2014, 08:39 AM
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Re: Totalled

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Originally Posted by robpp View Post
THIS ^^^^^^^^^^^^^^^^^^^^


OP,


Check your state laws about this "diminished value"

it protects from the negative results of a carfax and such.

the stealer uses carfax when you trade so it WILL affect value.
make sure insurance pay you that 'diminished value' if you can collect it.

EACH state is different. ALSO most times you need to do it through YOUR company.
Checking state laws is by far the first thing you should do. No sense getting into an argument over something you are not entitled to, or missing out on something you are due.

There are different legal opinions on the matter. It all comes down to contract law (your policy being the contract), and the contracts are not the same in each state.

At least up until the time I retired, we did not pay diminished value in N.Y. The reasoning was that the contract did not cover the value of a car that was not a total loss. It covered the cost of repairing the car to its pre-accident condition. If a car is repaired properly, the diminished value has nothing to do with the physical car.

I know that some people would go to court to try to get something for diminished value. I testified in some of those cases. The cases were always dismissed.

Things might have changed by now as I have been happily retired for going on ten years.
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Old 04-22-2014, 08:50 AM
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Re: Totalled

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Originally Posted by bill_de View Post
Checking state laws is by far the first thing you should do. No sense getting into an argument over something you are not entitled to, or missing out on something you are due.

There are different legal opinions on the matter. It all comes down to contract law (your policy being the contract), and the contracts are not the same in each state.

At least up until the time I retired, we did not pay diminished value in N.Y. The reasoning was that the contract did not cover the value of a car that was not a total loss. It covered the cost of repairing the car to its pre-accident condition. If a car is repaired properly, the diminished value has nothing to do with the physical car.

I know that some people would go to court to try to get something for diminished value. I testified in some of those cases. The cases were always dismissed.

Things might have changed by now as I have been happily retired for going on ten years.

On the record, there is no diminished value in MA either, but I got over $3k when I sold my Lexus to get my Jeep.

Even if your state does not honor it....go for it.

But again, OP isn't selling/trading yet, and you cant prove diminished value until its sold.

Sorry OP, terrible situation, especially since its 0 fault of yours.
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