Totalled my (first) 914 in 3 weeks, No insurance... please help Options

[Dan_F]

I bought a nice '74 1.8 from Craig on our WCC trip. Drove it home from Portland (1100 miles), parked it in the driveway. Bought "antique" registration for the car due to it being 30+ years old. Had an appraisal done on Friday May 13 so that I could buy "stated value" insurance. Was working on my other car... decided to drive the 914 while waiting for the appraisal to be returned. Was supposed to receive it on Sunday or Monday (May 15-16). Didn't hear from the appraiser so I called him on Tuesday or Wednesday, no answer. Thursday comes and I needed to drive across the city, still messing with the other car so I drive the 914. Turn left across a poorly designed intersection with terrible traffic light sequence and get nailed. Get a ticket for the accident, get put at fault for the accident.
My antique registration/insurance limits me to a maximum of $800 minus a $500 deductible. I received the appraisal back on Saturday afternoon (less than 2 days after) and it came out at $12,500.
Now the fight begins to try to get paid something for the car. I have a letter from my insurance broker stating I was in there for the stated value policy on April 27 when I got my antique insurance but needed a certified appraisal. I have the appraisal dated May 13 with the receipt dated May 21. Accident was on May 19.
Things don't look good...
I'm hoping to get paid something for the car but I'm expecting to get nothing. If that's the case I think I will start looking for a bare car to swap my parts into so I at least have something to drive. Any tips or suggestions on what my best plan may be?
I've had a few cars in the past that I was wishing would get totalled, but I've never been in an accident. I finally get a car that I absolutely love and hope to keep and it gets destroyed, with no insurance. This sucks.
The only good thing is that I didn't have anybody with me otherwise they would have
been injured.

Before...

[GWN7]

QUOTE (Manfred Z @ Jun 30 2005, 05:15 PM)

Big deal....he went to the head dickhead in charge of the COMPANY THAT WANTS TO SCREW YOU....take it up with the government agency that oversees insurance companies...file a formal complaint.

Saskatchewan like Manitoba only has one insurance company. Government run. They make the rules and there is very little you can do to change their minds.

We had another 3" - 5" of rain yesterday. Some parts of the province had 275mm (11" of rain in the last 24hrs) There are 5 watershed basins that drain Manitoba (an area the size of North & South Dakota & Minnesota) every one of the basins is under flood alert.

If things stay dry (fat chance of that) it will be at least a month before I can get to the car at the farm.

Dan,

I have the passenger door off the orange 72 but it's a early style. There should be extra door/window parts that came with the 74 in my shed. I have to look.