Going to wrap this up, using some posts I made on facebook to clarify the timeline:
said by me, on january 9 :
Car Accident Update: Just got a call from an inspector from Hartford who looked at my car.
They are considering it a total loss due to the following:
1) Extensive body damage (hood, bumper, quarter panels & lights)
2) Radiator damage
3) Frame damage on the front frame rails right where the suspension mounts are (on both sides of the car)
The estimate is at least $10k worth of work. I should hear back from Hartford in 2-3 business days as to what they value the vehicle at, etc.
Next up is hearing from State Farm's inspectors with their opinion on the damage. I can't imagine it'll be too much different.
I do get to play these guys against one another, though, due to the fact I started a claim with both carriers. This can hopefully turn out to our advantage.
said by me, on january 11 :
Car Accident Update: Heard from State Farm yesterday. Total payout (car value + tax + remaining registration - $250 deductible) is $12,054.40. Asked to wait to make a decision until later today so I could have time to hear from Hartford.
Called Hartford after getting a call from State Farm who was asking if I was pursuing the claim with State Farm or Hartford. The gal at Hartford is waiting to hear from the WA DOL for the exact "remaining registration" value. I asked for a preliminary payout amount and she said "$13k and some change."
For the record, the car was purchased 3.5 years ago for $13.1k (incl. tax, title, registration). I rolled it over to 32k miles on the test drive. The car has 69k on it right now. 37k miles and 3.5 years later... we may be getting paid more for the car than we paid for it from a car dealer. That doesn't include the interest we paid on the loan - however it was minimal due to our accelerated payoff plan.
THIS IS INSANE!
said by me, on january 15 :
Car Accident Update: Hartford called back with a final total loss figure: $13,428.12. That doesn't include the $280 (14x$20) that will be electronically deposited as a rental reimbursement that we didn't need that the Hartford offered to pay without being prompted.
I feel like maybe we should send a gift certificate to a local restaurant to the guy who caused the accident.
I deposited that check yesterday (30-january).
Not sure how it ended up working out so well, but it did!
Thanks for the information and advice everyone.--
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