Q: we were in a accident and they were at fault, their insurance wants to totaled our car, what are my options ?
cause we don't want the money we want our car fix because we can't afford a new car
A: Ordinarily, if an insurer wants to total a car, the only question is if you agree with the value they give you. Once they total the car, they get the certificate of title and the car is theirs. You can try to negotiate with them to take less money and keep the car. However, there likely will not be enough money to pay for the repairs.
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A: Mr.Scoloblionko is correct. However note that if you buy the car back for salvage a) you still have to turn in the title and will be given a "salvage title" that basically says the car was in a wreck; b) if the car can't be fixed for the money or develops another problem, it' s your problem. This may be ufair so you have to look at your injury claim. If the other driver was at fault you have a claim not just for your car but for lost wages, medicals above your coverage, and your injuries. Members of the Pennsylvania Assn for Justice like myself give free consults so that you can know your rights.
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