Originally Posted by mnnice
I always thought you can buy back your own totalled car from your insurance company. I know my dad did something similar to what SleeplessMommy described (except no drunk driver involved, but black ice with two insured drivers) I clearly remember my dad on the phone with some insurance person negotiating the "salvage price" of the car. I think I would buy it back, drop the comp and collision, and then just drive it in is current condition until it useful life was used up. (I am a person that doesn't get to hung up on the asthetics of vehicles
The whole uninsured driver part stinks, is unfair, and I know would be annoying to me as well. But in the long run I just don't think I'd be willing to devote the time and emotional energy necessary to do anything about it.
My mom's 11 year old Crown Vic was totaled a few years ago. She was in a construction area, and the guy behind her rear ended her, and then she rear ended the car in front of her from the impact. Both airbags deployed, there were some slight scrapes on the rear bumper, a front headlight was smashed in a bit, the front grill was smashed, and the hood was dented. It was still drivable. Had the airbags not gone off, the scrapes and dents would have just been cosmetic. (The light would probably had to have been fixed to be legal.) However, since the airbags both deployed, that's a few thousand dollar fix, so the car was totaled. She got about $2,600 plus was able to keep the car. The insurance company gave her "retail" blue book value for her car. (I think it was somewhere between KBB's and NADA's or Edmund's value.) My uncle was the one who negotiated with the insurance company to let her keep the car plus get the money.