What would you do? Take the insurance check or fix?

cb1999nj

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Hey Everyone,

I need help deciding what to do. I recently was hit by big truck while I was merging after paying the toll. I was at a complete stop and the truck was as well. He was merging left and I was merging right. There was a space about 3 car lengths in front so I moved into that position kinda on an angle. The truck was already on angle coming to the left at a complete stop. About 15-20 seconds after moving into the spot, the truck moved forward and smashed into the back portion on my passenger side of my car. He said he didn't see but I'm sure he told the cop a different story because the cop told me that it was basically a no fault accident... go figure. So say hello to higher insurance for me... See pics below.

So my dilemna is this: I have a 500 deductible and the estimate for repairs is roughly 2800 after the deductible. My insurance agents said that I can have the payment sent to me or they usually send direct to the body shop that will do the repairs. My car is a 1998 accord Lx sedan auto w/121000 miles. Car is lowered, skunk2 exhaust, new engine w/ 71k miles. Prior to the accident I have the following probs: needs new windshield, a/c does not work, passenger fender and sideskirt most likely need replacing, and lower front bumper cracked... probably need shocks as well. So if I get the car repaired then I will still technically have all these probs.

So do you all think it is better to take the check and sell the car as-is? Or should I get the car repaired, then sell it? What do you think the car in that shape will sell for? I'm not really into the whole taking the car apart and selling piece by piece. I figure a good condition 98 accord probably would sell at least for 3-4k. If I take the check for 2800 and sell the car as is for maybe at least 1k, would that be better?

Well thanks for your time, opinion, guidance, and help.

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ryan s

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well...are you going to keep the car till it dies? its going to have an accident on its record so selling it would give you less money...
 

tnguyen600

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man, i've been into mucho accidents these past two years and all of them weren't my fault! My first one, this old lady side swipes me and the insurance says it was her fault. they paid out. two and a half years later, she filed a lawsuit and sued me for 50K. I just had the arbituary hearing last week...she completely lied and ****. ****ing bitch. hopefully i win.

anyway, your insurance/cops say it was your fault?...if thats the case, i'd go find a cheap cheap/buddy shop and have them fix the repairs so that its decent. then pocket whats left if any. I think over these past two years, I've pocketed almost 7k. the accident with the old lady cost about 6k but i just used it to pay the shop. but yea, you should consider the fact that your insurance may/will go up so you might want to hold on to that money.
 

SmrPants44

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also remember that the cop is not the last word when it comes to accidents. If you were not moving and the guy hit you I don't see how it comes out to your fault. Id consult with a lawyer.
 
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