I’m m20 and this is my first time filing a claim and dealing with insurance adjuster/appraisers
So I got into a fender bender and damages don’t look too bad, I don’t care about it getting fixed but I was hoping to use the money to finish paying off my car which is $2k car is valued at $5.7k and the estimate from my insurance(ROOT) is $2800, I took it to a shop and they quoted me $6k, I don’t mind having the total loss, I just want to get the money to pay off the car and sell it as is, and get a new car
My main question is, what is the best way to go forward with making sure the money goes to me and not a shop, also how do deductibles work in cases like total loss or receiving money to “fix my car” my insurance adjuster wasn’t being too helpful and what is the estimate time these things last?
Posted by 3lquatro