By Catherine Powell
|Image courtesy Pixabay|
A friend of mine was recently involved in a single-car accident where he ran his vehicle up on a curb at less than 20 MPH after discovering a wasp in the front seat. Instead of pulling over to shoo the bug away, he tried to roll down the window to get the job done while the car was still in motion. As a result, he hit a fence post causing both front airbags to fire and putting a sizable dent in the right front fender. Still, he was able to drive the vehicle home after filing a police report and notifying his neighbor that he'd get their fence repaired. So far, so good. What came as a shock was when he filed a claim with his insurance company only to learn soon after that the car was being declared a total loss. At the time, he drove a 6-year-old SUV with less than 50,000 miles on it. He called to tell me this, as well as to wonder why the vehicle was being totaled when he knew the cost to repair it wouldn't be as much as it would cost to replace it. That's when I explained to him the rules regarding how insurance companies determine when it's time to total a vehicle.