jeepguy93

So I totaled my cherokee its the jeep cherokee laredo from 87 auto tranny 3 inch suspension lift 31 bfg a/ts no body damage before no mechanical probs before leater interior was near mint had little wear and no tears and the carpet was clean. Kbb on a 91 like mine was 2400 without lift tires tinting ect. Plus I put 15-20 hrs labor into it in the 1month I owned it so they have to pay for that too. Should I be expecting 3k???

jeepguy93

Also the paint was only oxodized in 1 tiny spot on hood no rust no dents ..

ifixit8

Unless you had full coverage that included those modifications, you wont see that 3k. not to be a jerk but the insurance companies don't pay out much for old cars, and full price in modifications.

jeepguy93

I did have full coverage! Then my agent said that since I have not had it long and did that much work that technically it may be considered classic and they will have to give more.. not sure!

ifixit8

Well good luck!! you may see that then.

jeepguy93

I sure hope!! I need a car back!!

89Laredo

I saw the pics you posted yesterday... You call that little bit of damage "totaled"? Suck it up, get a new header panel/headlight bezel and drive the hell out of it.
Mine (well, I guess its 'my old one' now...) had the exact same damage when I bought it.


Edit:
Nevermind, found a post I didnt read yesterday. The pics dont make it look as bad as it sounds.

jeepguy93

Yaa except he cracked my radiator bent the unibody the engine is running reallly weird now doin.a ton of odd thing electrical is now sketch messed up power steerin really bad and bent underneath up. The insurance said its totaled if it will cost more to fix than its worth... it doesn't look tht bad from the outside but the internal damage is bad

MonacaYankee

If its going to be totaled, buy it back and tear the front apart and fix it. Ive seen worse.

2Evil4U

A 24 year old vehicle? Unless you had agreed-value insurance, you'll be lucky to get a grand for it from them. If you're dealing with someone else's insurance, you might get more. If this is your own insurance, I wouldn't even have filed it. Your rates are going to go up and they will definitely get back everything they give you and more over the next several years.

Shaggimo

When I wrecked my 87 (not my fault), they gave me $900, but that was 6 years ago. Mine was in about the condition of yours, and had about the same type of damage (judging by pic). They totaled it due to the age.

MVDCXJ

This. I doubt you see a grand from insurance though. Dont get your hopes up on 3K, it will never happen unless your insurance agent suddenly loses his mind. Also insurance will never pay out for modifications unless you have them on your coverage, yes specifically, and you will also never get back any value for labor, especially labor you yourself put in. I say on a '87 you might get $700

HCCAFan

What you do is tell them to find you a comparable Jeep like it and pay you enough to replace yours. Otherwise they will try to bend you over and only give you what blue book says it is worth, which ain't much.

I did this when my wife wrecked her SRT8.

MVDCXJ

They dont even give you that

UserID6095

What insurance carrier do you?

The least amount they will give you (pre deductable) is $1000. The most they will give you is $1800-2000.

They will not pay for labor and will only pay pennys on the dollar for aftermarket parts. If you give me the mileage I can tell you what its worth to the insruance company.