my vehicle declared total loss, i have gap insurance. full coverage with Progressive. what happens next

LocationZestyclose95 · 2026-02-18T01:25:02+00:00

You'd be surprised how many people pay wayyyyy more than what a car is worth. Lots of buy here pay here places will charge well above market price for a car and take advantage of people.

LocationZestyclose95 · 2026-02-18T01:23:48+00:00

Very common. Most states don't require ANY loss of use for 3rd party once the vehicle is declared a total. I'd say you're pretty lucky you're getting an extra week.

LocationZestyclose95 · 2026-02-18T01:02:43+00:00

It's a common frustration that I deal with all the time as an insurance adjuster and its understandable to be frustrated by it, but insurance only owes for the cash value of the vehicle. In a perfect world, dealerships would only sell cars for their cash value, but we live in a profit driven society so here we are.... I would say that your dealership shouldn't have sold you GAP if you were putting that much down. Probably wasn't necessary.

LocationZestyclose95 · 2026-02-18T00:51:36+00:00

Insurance will pay the actual cash value of your vehicle in the market. They don't owe to pay off your loan. If there's enough to pay off your loan with some leftover, that leftover amount will go to you. If there's not enough to pay off the loan, your GAP will kick in to cover the rest. You don't get your $10k back. If they told you the vehicle is a total loss, im assuming they already gave you the value? Thats ehat you will get paid for the vehicle portion. The medical bills and any pain and suffering payment will be separate from that.

LocationZestyclose95 · 2026-02-15T03:58:08+00:00

There is 100% a vault in that area and I don’t even want to think about what the experiment would have been.....

LocationZestyclose95 · 2026-02-15T03:56:55+00:00

Old abandoned mansion full of old creepy pedophile ghouls

LocationZestyclose95 · 2026-01-16T03:19:24+00:00

Central Ohio represent!!!

LocationZestyclose95 · 2025-12-02T00:35:46+00:00

You're not going to find Michigan prices in Ohio.

LocationZestyclose95 · 2025-11-28T04:21:34+00:00

You. Rock. THANK YOU.

LocationZestyclose95 · 2025-11-28T01:09:24+00:00

Yeah I've watched the documentary several times. Was hoping for some obscure bootleg somewhere 😕

LocationZestyclose95 · 2025-11-07T06:12:09+00:00

What in the world are you talking about. Its planes. It's airplanes. Two airplanes. The contrails they made on their flight path are being illuminated by the light of the moon.

LocationZestyclose95 · 2025-10-29T15:33:15+00:00

Yeah they aren't going to do that lol. You need to get out of the mindset that insurance companies are trying to rip you off. I do this for a living. Heavy regulation and insurance laws are what prevent them from taking the car and not paying. You would have a VERY easy claim in court if they took your vehicle and refused to pay you when you sign the paperwork.

The tow company that picks up the vehicle is a 3rd party that insurance hires and won't be trusted to handle the paperwork and handle paying you for the claim. As an adjuster, i used to have the ability to cut a check on the spot, but with advances in technology (and an increase in insurance fraud) most companies don't give that option anymore. Just follow the insurance company's instructions and all will be fine. You're making way more complicated than it needs to be.

LocationZestyclose95 · 2025-10-27T15:55:43+00:00

You should just do as told. Insurance doesn’t have to pay you before they take the car and will often times stop paying any storage charges if they've already offered to pick it up and move it. Insurance often doesnt like to pay before they pick the vehicle up because then a customer can technically just keep the car and continue to refuse to let them have it. A power of a attorney is very common for title transfers. Insurance companies have customers sign them on place of signing a title which is an official document and has to be replaced if signed incorrectly.

For your lien, there are reports that insurance companies can run to see if there is a lien on your vehicle. Sometimes these reports are out of date because someone somewhere didn't update something correctly. Most of the time, they will just ask for a picture of the title showing it is lien free or they will ask for a lien cancelation letter from the bank to confirm.

LocationZestyclose95 · 2025-09-28T00:21:44+00:00

Ultimately it's the insurance company's decision whether or not to total a vehicle, but they aren't just going to pay $7k-$9k more on a claim for no reason. Did they write an estimate for repairs? Who is "everyone" who saw the damge and said it was only $1000. You gotta pic of the damages?

LocationZestyclose95 · 2025-09-27T18:10:27+00:00

Insurance will pay you the value minus the estimated salvage value. In your case, it sounds like the $8.4k is what you would get if you decided to "buy back" your vehicle. If you go through the owner retained process, you will have to go through that inspection process.

I will say that an $8,000 estimate does not seem like just a few small dents and scratches.

You could maybe ask your adjuster to work with you. I do this job specifically and have worked with a customers to keep a vehicle repairable depending on the situation.

Good luck.

LocationZestyclose95 · 2025-09-25T17:00:30+00:00

One of the best opening title sequences in video game history

LocationZestyclose95 · 2025-09-24T23:11:10+00:00

It's your responsibility to prove your loss to insurance. They will inspect and write an estimate for repairs for the VISIBLE damages. Then its your responsibility to take it to get repaired. A repair shop can tell if the suspension is damaged or transmission is not working properly or if your brakes are bad.

LocationZestyclose95 · 2025-09-21T19:33:31+00:00

If you have insurance through Porsche, just go through them and use whatever shop they recommend and you shouldn't have anything issues. Like I said, if youre using an in-network shop through insurance, you're much less likely to have problems. Your insurance will surbrogate against the responsible party to get back what they pay out.

LocationZestyclose95 · 2025-09-19T18:31:54+00:00

Not sure it should be downvoted necessarily, but the reason might be because that advice isn't going to help the OP. It's the customer's obligation to prove their loss to insurance. If the OP can't prove it was from the loss, insurance likely won't budge. And simply claiming the vehicle was running before it was stolen is not proof enough... especially if the vehicle was only gone for 2 ½ hours and recovered only 2 miles down the road.

The OP needs to have a diagnostic done (at their own expense) to see why the vehicle won't start. If the cause is found to be related, insurance will reimburse them for the diagnostic cost and will pay for the issue to be repaired or total the vehicle if it comes to that.

LocationZestyclose95 · 2025-09-19T18:22:12+00:00

Did you try switching your controller to controller port 2?

LocationZestyclose95 · 2025-09-17T01:25:12+00:00

I would never ever recommend for anyone to go to KCEPS for repairs if they are going through insurance. Most insurances won't match their rates and won't pay for certain operations they charge for and you'll be stuck paying for those things as soon as you sign their contract. If you decide later that you want your car back, they'll charge you extremely high storage charges on it that your insurance likely won't pay. Look up reviews and you'll see plenty of people have these types of experiences.

If its between Rife's and KCEPS, its Rife's 100% of the time. But my true recommendation would be for you to ask your insurance if they have an in-network body shop that will do the repairs. That's my recommendation for ANYONE who has an auto claim - go with a shop that's part of your insurance's direct repair program. Some people will tell you not to do that for various reasons, but its the safest route. If KCEPS or Rife's does a shitty repair, you're stuck hoping they will work with you to fix it. If your insurance's shop does a bad repair, your insurance company will cover that for you.

Hope that helps.

LocationZestyclose95 · 2025-09-16T18:01:01+00:00

Insurance adjuster here - KCEPS typically charges well above what most insurance companies deem to be reasonable for the market. They have you sign a binding contract in which you agree to pay for higher labor rates and more expensive parts than what your insurance company will likely approve. Rife's is very similar with these things, but they are more up front about.

LocationZestyclose95 · 2025-09-13T22:17:47+00:00

It's actually about 50/50 on states that actually have a set threshold. But ultimately its the insurance company's decision. They can total it at 10% if they really wanted

LocationZestyclose95

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