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940SE totaled - insurance low-balling me... what are my options? 900

posted by  cmho2 on  Wed Apr 11 10:45 CST 2012
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last visit: Sat Jul 20 21:51 CST 2013
[RELATED]

Insurance companies... ugh.
I picked a 91 940SE in December for a steal (249K). It wasn't running well, but after replacing TPS, wastegate vaccum hose, CPS, and upgrading ECU it ran near-perfect. Passed MA inspection with zero problems. Body WAS a 9/10. No dents, zero rust, a few small scratches and minor paint chips. A great "20 footer". Interior intact and everything worked, leather had some cracks but no rips or tears. Heat, A/C, (climate control) all worked. Dark grey/red leather combo. This car looked really sharp.

So a gentleman exiting a Chilie's took a left into the path of the car (my son was driving). He and his insurance company admit liability. Adjuster came out last week, yesterday they offered me $1550 - car "totaled". He described the car as a "1991 Volvo 940SE Turbo". which makes me believe he didn't base the value on it as an "SE", but as a straight 940 Turbo. He hasn't returned my calls for clarification.

So besides showing them the NADA guide's retail value ($3450) and hoping to find classifieds for other SE's for sale, what can one do in arguing for a reconsidered estimate? I hadn't put collision on my insurance policy yet (but I fricken meant to grrrr) so my insurance won't be of much help to me.

Any advice appreciated.






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