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Insurance wants to call my car a total loss
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<blockquote data-quote="masCh" data-source="post: 745890" data-attributes="member: 964"><p>Feeling a little depressed now.</p><p></p><p>Had a collision with a divider on the MEX highway a couple of weeks ago, no other cars were involved. It was a rainy day. DSC failed.</p><p></p><p>So the thing is, my car is an E46 cabriolet/convertible 323ci. When I renewed my insurance at Pejabat Pos middle of this year, they estimated the market value of the car is RM18k. I tried to argue that I normally insure this car at RM60k, but they said "this is what it says in the system" and I couldn't argue with them.</p><p></p><p>So now the panel workshop estimated my car to cost me RM15k to repair (to be honest I think it's only RM5-6k to fix). The insurance company (Etiqa) has approved a "total loss" of RM15k.</p><p></p><p>I don't want a total loss declaration, I just want the car back.</p><p></p><p>Can anyone suggest a workshop I could get this car fixed myself and reject the insurance claim? What's involved is the front bumper, bonnet, fenders, front light, rear light, rear boot cover and rear bumper.</p><p></p><p>If anyone has any idea at all, please share. I'm feeling a bit stumped right now.</p></blockquote><p></p>
[QUOTE="masCh, post: 745890, member: 964"] Feeling a little depressed now. Had a collision with a divider on the MEX highway a couple of weeks ago, no other cars were involved. It was a rainy day. DSC failed. So the thing is, my car is an E46 cabriolet/convertible 323ci. When I renewed my insurance at Pejabat Pos middle of this year, they estimated the market value of the car is RM18k. I tried to argue that I normally insure this car at RM60k, but they said "this is what it says in the system" and I couldn't argue with them. So now the panel workshop estimated my car to cost me RM15k to repair (to be honest I think it's only RM5-6k to fix). The insurance company (Etiqa) has approved a "total loss" of RM15k. I don't want a total loss declaration, I just want the car back. Can anyone suggest a workshop I could get this car fixed myself and reject the insurance claim? What's involved is the front bumper, bonnet, fenders, front light, rear light, rear boot cover and rear bumper. If anyone has any idea at all, please share. I'm feeling a bit stumped right now. [/QUOTE]
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