Car accident. The other guy's insurance doesn't want to pay much for vehicle since it was salvage already.

The 1982 Chevrolet full bed truck with air conditioning caught fir under the hood in 2005. Everything was replaced under the hood and was running great. The other guy's insurance checked the vehicle history and said it would only pay $630.50 if we keep the vehicle and a $1,000.00 if they take it because it was already salvage. THe insurance said they couldn't pay any more because it was a salvage when I told them we had to have more money. The estimates to fix the vehicle are between $4,500.00 and $4,900.00. My husband is having a fit over the amount they want to pay to us. Do we have any options or do we have to take this price? I told the insurance we couldn't take this amount over 3 weeks ago and I haven't heard anything more from them. THe accident happened over 2 months ago. Does the insurance have a certain time period they have to settle in? Thank you for any help you can give us.

That is what attorneys are for. SUE. Get this going right away and do not delay.

Think about lost work, possible injuries, car rental.

See if you can get an appraisal as a valuable antique.

I would consult your own insurance see if they want to pay and then go after the other guy's insurance.

you can only collect the value of the car

That's the problem with buying a salvage vehicle. It appears to the insurance company that you got your use out of it already.

The only suggestion I have is to get a lawyer to sort it out for you. Go for a consultation and see if you have a case.

get a lawyer find one that does not get paid unless they win your case

sometimes an option is to have them replace the vehicle with a same year / condition one.

A 1982? Ma'am, I'm sorry, but you were lucky they offered that much. Take the thousand dollars and go find another truck. WIth the book value on that vehicle, that's really all you can do.

This car is a 1982 Chevy, it's an antique, You should of had it insured as such with an agreed value between the insurance company and you...

I would just take the money that they are offering and give up the truck. Getting an attorney will probably not be worth it considering you will have to give them 1/3 of what you get and attorneys are most effective when it concerns personal injury cases. You could take the person to small claims court as an option but unfortunately, I hate to say it...you will get laughed right out of court. It is the value of the truck per Kelly Blue Book or Edmunds or even the NACA guides. The value to you is way higher but that's the way insurance goes. I wish I had positive information but if I were you, take the money and find another used Chevy.

By the way, stature of limitations is generally two years...I doubt you want to string it out that long.

In most states, the maximum you can recover for a damages vehicle is usually the lesser of (1) the cost of repair or (2) the value of the vehicle (or diminution of value). Why should the insurance company have to pay $4500-$4900 to replace the vehicle when you can replace it for much less?