Buying a new/used car after a car accident

You receive information back from the Insurance Company....your car is totaled.  What do you do now?  




We are are familiar with the Kelly Blue Book, right?  It is a nice tool to determine what your car is (was) worth before the accident.  Well, we are all familiar with it except the insurance companies.  They have their own formula's to determine what your car is worth and, more often than not, it's not the amount needed to replace your car.

What their offer is: usually less than what you need to replace your car.  

To fight this keep a record of your vehicle's maintenance and repairs to prove you took care of your car.  Periodic pictures for your diary is a good measure also.  Do your research!  If you have an Attorney,  and how many times have I stressed you should have an Attorney, they will fight to get you your vehicles value.  Here are some things you should remember:

• Every car is different no matter the miles.  Everyone takes care of their car differently.
• Find local quotes of your own to show them what a comparable vehicle will ACTUALLY cost you.
• Make sure the insurance company INCLUDES the tax of the vehicle.  After all, you shouldn't have to pay money out of your pocket for this.

BEFORE you purchase another vehicle do your research.  Fortunately, the internet is a wonderful tool for this.  Start low and work your way up.  Don't go out and purchase the "big dog" until you know that is what you want.  If you need a place to begin take a look here: Cars for under $1000.00 .  This website will show you the make, model and year of some cars, today, that you can purchase for under $1000.00.  It will also show you how the value of some has changed over the years.

When you have done your "finger" research ask around for a referral to a dealership.  When buying a new/used car it is always better to deal with a salesperson that KNOWS the person who sent you.  (More accountability).  If you are in Southern Colorado I can highly recommend Southwest Motors.  You go in there and tell them Rhonda sent you, no matter what sales person you speak with they will take care of you.  (but if you are on Sante Fe ask for Mark and on Hwy 50 ask for Cliff.)  

Going car shopping can be exciting and intimidating.  Don't fall for the high pressure sales.  Don't fall for the push, pull or drag gimmicks either.  (I LOVE this commercial).

Knowledge is Power!

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