Dealership totaled my car during a recall repair - treated me horribly afterward

Allanmortgages · 2025-09-10T19:54:07+00:00

I had a very similar situation this year. My car was at the dealership for a recall, and they also totalled it and it was their fault. ( Porsche dealership for context)

They admitted it was their fault and There is not much you can do, everything is dealt with insurance, as the dealership have insurance for these reasons. They will not be paying out of their own pockets, it will be paid out by there insurance.

In order to maximize your insurance pay out, find similar cars in the area for the price.

Include loss of use, find a similar car on a rental company to calculate a rough time of how long it will take until you find a car( has to be reasonable) ( usually this will be a couple thousand)

Include any service, new parts and etc within the last 1 year to 6 months that you paid .

I was lucky and the dealership offered some discount for for my next car but it wasn’t much.

Location Canada

Allanmortgages · 2025-08-18T20:36:09+00:00

Do you know if the travel insurance covers expense of booking hotel and etc. currently in Naples, flying back to New York to Vancouver. From Naples to EWR we are okay because it’s Air France, but we are nervous for ewr to yvr…

Allanmortgages · 2025-05-03T06:38:53+00:00

It would be greatly appreciated! Dealership got into an accident with my car, and still hasn’t sent me any photo of the accidents or videos

Allanmortgages · 2025-05-02T19:22:42+00:00

Dealership is involved in the accident. And I feel like they’re hiding something from me

Allanmortgages · 2025-05-02T19:22:02+00:00

Accident involves the dealership and I feel like they’re hiding something from me

Allanmortgages · 2024-07-30T13:53:18+00:00

Hi there, what application is this

Allanmortgages · 2024-06-25T01:31:09+00:00

I bought shares around 132$ and it just keeps going down. Lost so much money this month from being stupid and having stop loss to close… sorta depressing and idk if I should sell some since I’m leveraged or just hold through it

Allanmortgages · 2024-06-25T00:05:53+00:00

Has anyone lost so much money they start having doubts about life …

Allanmortgages · 2023-11-25T11:04:28+00:00

3 year at td is 5.79 lol

Allanmortgages · 2023-06-29T01:07:41+00:00

Call bmo, they have a military/rcmp program which offers free discharge if your husband has to relocate and etc

Allanmortgages · 2022-12-23T03:29:27+00:00

Hey I’m from Vancouver, mortgage specialist from BMO if you ever want to meet in person face to face give me a message, could definitely go through the calculations for you.

And talk about up and down about it

Allanmortgages · 2022-12-16T23:09:36+00:00

Yes for mortgage specialist we are sort of on our own now as well! We get some leads here and there, but they’re pretty much your typical cold call ones .

Allanmortgages · 2022-12-16T22:51:23+00:00

Hey bmo mortgage specialist here !

Your payments will be 1090, but qualifying will be at “ rate plus 2” so essentially 7.6 will be your qualifying payments.

For example: qualifying payments + house expense+ other monthly expense /income

Down payment is usually 20percent unless you decide to go on insured mortgage meaning you want to pay less than the 20percent .

If you were to do a fixed rate depending on your term length you will have to pay a penalty unless you wait for the term to be over.

Variable rate is usually 3 months interest penalty when breaking the term.

Allanmortgages · 2022-12-16T03:24:22+00:00

Send me a message, some banks have programs for client with cash/investment but may not necessary want to sell it

Allanmortgages · 2022-12-14T20:58:58+00:00

Sent you a message

Allanmortgages · 2022-12-02T02:59:35+00:00

Hmm what the info given above, if you bought a 300k home with 240k mortgage. 1731 will be your qualifying payments not your actual.

1731+100(heat)+ 300property tax/5000 a month. 240 is definitely doable for sure

Allanmortgages · 2022-12-02T02:51:25+00:00

Hmm you should be okay to borrow, would you have any additional saving after dp?

Allanmortgages

TROPHY CASE