car was stolen and "trusted mechanic" says its a write off with nothing more than damage to rear brake lines

by James
(Brantford, Ontario, Canada)

I had my 1997 chevy cavalier stolen about 2.5 weeks ago and it was found 2 days later with 2 occupants still in it. It was towed approximately 20 kilometers to a "trusted" repair shop suggested by my insurance company to assess any damages. The vehicle is older as mentioned and has some bumps and dings on the body. I tole the trusted shop when I went to see the car that all the body damage was already there and they were going to call me after they did a mechanical inspection on the vehicle. I recieved a call from my insurance company a few days later stating the car was a write off. Of course I asked for a detailed estimate of the damages and amount the trusted shop was saying it would cost to fix them and they wanted 2000.43 to fix damaged rear brake lines. 500 to fix them, 500 for "reserve" damage in case the original 500 didnt cover the damage and 700 and change in labour with 200 and change in taxes for a total of 2000 dollars. I have been waiting a week now to hear from the total loss adjuster so that I can state my case that I dont beleive that this estimate is fair. What are my rights in the situation? I am a student who bought the car for 1500 about a year ago and have spent several hundred, possibly a thousand by now putting in in great running order. New brakes all the way around, new rear cylinders for the brakes, new exhaust front to back, new sparkplugs, remote starter and regular maintenance as well as a few other small fixes along the way. The car has 128 k's on it and I want it back due to the fact that they are only likely to give me about 7 or 8 hundred after my 500 dollar deductible and I am left without a vehicle. No small amount of money they offer me will replace the vehicle and I am wondering if a buy back is an option or if taking the car back as is as well as a smaller portion of money is an option. Thank you for your input anyone and everyone. I sincerely appreciate your time.


Recovered Stolen Car


Hi James
You need to try contacting your adjuster, call every day until you have an opportunity to speak with the adjuster. When you do, be polite but firm in stating what you want. Ask to get another quote at another shop. Explain your situation.

FYI The reason they are writing it off is that the value of the car is less than the total repairs required.

Please be sure to discuss this further with a licensed insurance representative. Oh, and by the way, are your rates too high? Check here:

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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

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