[NG329]

Originally Posted by KILLA BEE

Yes, Luckily USAA isn’t like that and I also chose to add 20% of the total value of the car totaled. so I should make out really good. If the engine is gutted that probably won’t total it to save them some money

That's awesome man you should be good to go. Usually a decision is made within 30 days. The Auto market seems to be coming back down to Earth too so you might make out really nicely.

[Vigilante375]

Originally Posted by KILLA BEE

Yes, Luckily USAA isn’t like that and I also chose to add 20% of the total value of the car totaled. so I should make out really good. If the engine is gutted that probably won’t total it to save them some money

If the car is found and the engine is gone, where do you think they're going to find a new engine to put in it? Yes the Escalade V but do you think GM would make a new engine just for your car? No.

[KILLA BEE]

Originally Posted by jfkheat

That sucks. The insurance company will low ball you at first. Your best bet is to look to see what 2021 ZL1s comparable to your's are selling for.

Question! Is the Gap from the finance company
And my total loss from my insurance completely separate!? I was thinking it was just wanna be sure???? Because I really need enough or close to enough to get another one or something similar. I’ve never in my life been through this

[DangerZL1]

Pretty sure gap is through a lender to protect you from being financially in negative equity if a car is a loss before you have made enough payments to build up equity. If also depends on how much you put a lot down when you financed it. USAA would pay off the lender and cut you a check for the difference in the value.

[taylorforschool@gmail.com]

^spot on

[KILLA BEE]

Originally Posted by DangerZL1

Pretty sure gap is through a lender to protect you from being financially in negative equity if a car is a loss before you have made enough payments to build up equity. If also depends on how much you put a lot down when you financed it. USAA would pay off the lender and cut you a check for the difference in the value.

Okay I was thinking since Wells Fargo is gonna pay it off if more than 30 days
Then the money from USAA, cash market value would be for me to replace the. Car. I waiting for the adjuster to give me a call

[Z OH 6]

Originally Posted by KILLA BEE

Okay I was thinking since Wells Fargo is gonna pay it off if more than 30 days
Then the money from USAA, cash market value would be for me to replace the. Car. I waiting for the adjuster to give me a call

At this point, its time to start shopping your replacement vehicle.

[RoosterZL1]

As i mentioned before my wife and I own 3 collision shops here in Missouri and we are a Direct repair facility for USAA they are definitely one of the better companies to work with.
1. Have your crap together when talking with the adjuster.
A. Have some comparable printed out at least 3 to 5 with as close as possible miles, options, color.
B. Have receipts for any extra stuff you have done to the car.
2. Remember this is a car sales negotiation. Their job is to get this claim satisfied as quickly and cheaply as possible. (USAA does take a lot of pride in customer satisfaction numbers)
3. Unfortunately, future collectivity value is blue sky that they aren't going to pay for.
4. Be patient and don't blow up or threaten to get a lawyer because that will end negotiations.
5. As said above gap insurance is just usually paid to cover the difference in actual value to amount financed.
6. Depending on your state you should have the right to appraisal but I'd use this as a last resort because I have seen this bite some people.
Hope you find your car, but I'd say thats pretty slim odds.

[The Chief (tm)]

Helpful, factual, solid input from the Rooster. OP, take to heart and prepare accordingly...

[KILLA BEE]

Originally Posted by Z OH 6

At this point, its time to start shopping your replacement vehicle.

And that’s exactly what I’m doing

[KILLA BEE]

Originally Posted by RoosterZL1

As i mentioned before my wife and I own 3 collision shops here in Missouri and we are a Direct repair facility for USAA they are definitely one of the better companies to work with.
1. Have your crap together when talking with the adjuster.
A. Have some comparable printed out at least 3 to 5 with as close as possible miles, options, color.
B. Have receipts for any extra stuff you have done to the car.
2. Remember this is a car sales negotiation. Their job is to get this claim satisfied as quickly and cheaply as possible. (USAA does take a lot of pride in customer satisfaction numbers)
3. Unfortunately, future collectivity value is blue sky that they aren't going to pay for.
4. Be patient and don't blow up or threaten to get a lawyer because that will end negotiations.
5. As said above gap insurance is just usually paid to cover the difference in actual value to amount financed.
6. Depending on your state you should have the right to appraisal but I'd use this as a last resort because I have seen this bite some people.
Hope you find your car, but I'd say thats pretty slim odds.

Agreed! I’m also thinking my gap refund from Wells Fargo will be a decent amount because I still had a few years left on it. I’m glad you reminded me not to get a lawyer because I was already practicing my get a lawyer speech if they try to go lower than 67,000!!! Which is still a bargain for a 2021 zle with barely 13000 miles. I’ve already sent my receipts in etc and NADA car worthiness.

[LT4Greg]

Good luck KILLA BEE!

[KILLA BEE]

Originally Posted by LT4Greg

Good luck KILLA BEE!

Thanks 🙏🏿