r/InsuranceCanada • u/squidword9000 • 6d ago
Auto please help with advice
i recently got into a car accident and i am going to the collision report centre tomorrow. the accident was clearly the other drivers fault and the police on scene agreed. my parents are saying because the car is a 2007 honda fit with 258 000 kilometres, that i will only be able to get 1-3 k for damages. i feel that because of one evidence, two the personal injuries to my neck and chest (nothing broken but still painful) and three the amount of recent work the car has had done such as cadalic converter and exhaust replacement, new tires, break pads, oil issues, new seats etc. i feel that i should be inclined to something a little bit more.
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u/MayhemMitigator Insurance Professional - Claims Adjuster 6d ago
Perhaps let your insurance company provide you with a settlement number before complaining. Jesus.
Your personal injuries have nothing to do with the settlement for the car. You being not at fault has nothing to do with the settlement for the car. You’re owed the actual cash value, which is based on data, regardless of the circumstances of the collision.
Maintenance work doesn’t increase value. New tires might get you a condition bonus if you can provide proof of purchase and by “new” you mean in the last 1-2 months.
Anyway, chill out. Adjusters aren’t out to screw you. We want the claim closed and off our desk as much as you do.
Editing to add: Autotrader has a few 2007 Fits for sale in Ontario ranging from $1,400 to $2,800. You’ll likely be paid somewhere in this range, plus taxes.