QuestionQUESTIONs:
1) I had my new vehicle hit most front end in is damaged lights, both fenders, hood, inner fender has small buckle, the fenders are damaged, and shifted to drivers side. thus suggesting bumper towers bent. if frame is ok, is it still considered structural damage when inner fender is buckled and radiator frame is bent also. and need replacing. they mentioned possibly working inner fender after pulling. but this is a 2010.
2) If the vehicle has no structural damage but a repair record, will it be entitled to the diminished value claim?
3) If the insurance refused to pay the diminished value claim, what options does the insured have?
4) Since it was a third party hit me, can i refuse to have once new truck repaired and demand a salvage title since i have gap insurance and my truck will never be the same or worth as much. i bought and paying for a new car, therefore i get a inferior vehicle.
help would be apperected.
AnswerHi James,
The decision to repair or total the vehicle is up to the insurance company not the vehice owner.
Yes the inner fender and radiator support are considered to be structural damage even though it is not the actual frame of the vehicle.
Yes you are entitled to be paid for diminished value. You will need to hire a professional appraiser to assist you in the process. To learn more about diminished value visit www.collisionclaims.com .
I hope this helps
Richard Hixenbaugh
