What do you do when the at-fault vehicle's insurance will not pay you for your totaled vehicle because the insurance company has already paid for other vehicles damaged in an accident?
Based on your question, I'm guessing that their policyholder simply didn't have enough coverage to pay for all the damage to all the vehicles involved. I would have to know a little bit more about what happened, but you're only realistic action at this point is taking their policyholder to small claims court.
However, if you have your own coverage, use it and let your insurance company deal with it.
However, if you have your own coverage, use it and let your insurance company deal with it.
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You can insure the remaining undamaged area(s) of the vehicle by taking it to your agent and working an agreement as to what is covered for any future damages that may incur. The vehicles value will be arrived at for a price in case another accident renders it a total. You may have to do some shoppi…ng with Ins. Co to find one that will give you the coverage you may want or need. (MORE)
If you have two vehicles insured by the same company and back into one of them will they pay for the damage to both vehicles?
Check your policy. It probably has an exclusion for any damage caused by another vehicle owned or operated by anyone on the policy. Otherwise, everyone with a junker would be ramming into it with the good car.
Can you find the insurance company of a vehicle in hit and run accident if you have the license plate number name and address of the vehicle's owner?
If you have identified the owner of the vehicle, just file a lawsuit against him. And while you're at it, swear out a criminal warrant charging him with leaving the scene.
If you are involved in an accident with a person who has no insurance and they are at fault does your insurance pay for repairs to your vehicle if you only have liability insurance?
No, Liability Insurance is just as it says, Liability only pays for damage you cause to another. It will not pay for damages to your vehicle if you had only liability coverage. s from other contributors Usually they don't. If you had no type of uninsured motorist protection which doesn't cost t…hat much it's in your hands basically to repair your damages. You could sue the assailant for everything they are or ever will be worth but after you win the case they will eventually declare chapter 7 bankruptcy and you'll never get anything from them. Take my suggestion and GET uninsured motorist coverage on your next vehicle. It may cost a little more but it's well worth it. another answer: I live in Texas, and, yes, the liability only pays for the other vehicle, assuming you were at fault. If the other driver was at fault, their insurance should pay you. HOWEVER, I want to explain something that most people don't know. If you have only liablility, and your car burns, you hit an animal, a tree falls on it, or ANYTHING that is not your fault, including running off the road and hitting something, you are just out of luck. BUT, if you have "COMPREHENSIVE INSURANCE" you will be covered for all of these things. Comprehensive insurance is VERY inexpensive, and if you have to file a claim using it, your rates will not increase. I drive older vehicles, and full coverage isn't feasable, so, I have liability and comprehensive on them. Several years ago, one of my trucks burned, and I was comphensated very fairly for it. If I had had only liability, well, I'd been walking. Please check it out if you are used to paying for only liability. I don't think comprehensive will pay if the other person just didn't have insurance, but, it will pay you if an "act of GOd" has happened, something unavoidable, like fire, and accidents not involving other vehicles. billlyh In the state of Kentucky they have "no fault" insurance which is mandatory even on only liability....so you're covered in the event someone else causes the accident. However, after your car is fixed and there is no other insurance company to collect off, then your insurance will go up to pay for the claim. There is also "uninsured/under insured" riders. Check with your insurance company and state Dept of Insurance. (MORE)
If your vehicle was damaged but not totaled can you request that the insurance company replace it with a new vehicle if the accident was not your fault?
Fault in the accident is not a consideration. Normally the insurance company or the at fault driver is responsible only for repairing your vehicle and providing you with a rental car. While this may not be entirely fair, it is the system and you agreed to it when you chose to drive. Some states do h…ave a provision that a vehicle must be totaled if the damage exceeds a certain percentage of the total value of the auto. YOur best resource is your insurance agent. lwpat (MORE)
If an unlicensed driver was driving your vehicle and got in an accident and totaled it will the insurance pay?
It depends on the conditions of your policy. If there is a clear stipulation that it will not cover any unlicensed drivers, or any drivers not specifically listed for that matter then no they won't pay. If such a condition is not specified and coverage is unconditional (in that respect) then they pr…obably will. Assuming the person survived, and was not taken to jail it is doubtful they would be civily liable for the damages to another victims car (if applicable) hence the policy owner who's name is on the title is ultimately liable. (MORE)
If you settle a total loss with an insurance company & choose not to keep the car, you have to send them your signed title and release possession of your vehicle to them in order to be paid for the claim. You do have the option of retaining it for less settlement money (due to salvage value and, in …certain states, license & fees, taxes, etc...If you choose to retain, you will still not be paid for the repair of your vehicle, it is still totalled. Depending on the state, you also must get a salvage title on the vehicle until you have had it repaired & inspected by the state to be deemed roadworthy before applying for a rebuilt title. (MORE)
If you have PLPD and your car is totaled in an accident that is not your fault will the other drivers insurance cover your damages?
I have PLPD insurance and was in an accident that was the other driver's fault. The lady's insurance paid for the damages, around $3000 which was the blue book retail value of the car, and they paid for a rental car for a short period. Since I had PLPD insurance, I had to pay for extra insurance on …my rental vehicle, $12 a day extra, that their insurance would not cover and came out of my own pocket. (MORE)
The most important thing you need to know is that it is not a negotiation. The insurance company is not haggling with you over the price of your vehicle. They are required to give you what the vehicle is worth. With that being said, there is no magic place that you can go to get the correct value …of a vehicle. Guide books are just that...a guide. You should still check the guide books though. That will give you an idea of what the vehicle is worth. You can also check local newspapers, trade magazines and online sources like auto trader and cars.com. When you are checking the guide books though, keep in mind that you are not entitled to the retail value and the insurance company shouldn't be offering you the trade in value. The market value of the vehicle is somewhere in between that. KBB.com has a "private party" value. That is what you would expect to see when you purchase a vehicle from a private seller. That is probably the closest thing to the "market value". The mileage of the vehicle is important, so if the odometer can't be read, make sure you have invoices to back up what the mileage was...unless of course your mileage was high. Make sure the insurance company got ALL of the options that your vehicle had on their evaluation. Any customizations that you had might not be covered. Those are supposed to be endorsed onto the policy when you put them on. If you feel the insurance company's evaluation is less than what your vehicle is worth, most policies have an "appraisal" clause. You have the right to hire your own appraiser to evaluate what the vehicle is worth. Check your policy for more details about that. (MORE)
Answer . You pay for the damages out of your pocket.. Answer. How lapsed? There is a grace period with insurance companies. Call your agent. If it's been more than 2-3 weeks my guess is you are out of luck.
What do you do when you are in an accident that was not your fault but the other driver's insurance company won't pay for the damages saying they cannot determine who was at fault?
Answer . The insurance companies usually settle each claim independantly. Your insurance will pay yours, the other co will pay theirs. But your insurance will go up.. Answer . If you have only the required liability insurance your company will not pay for your damage. If you do not have comp…rehensive and collision, you may have to sue the at-fault driver to force his insurance carrier pay. If you have coverage of your own, you can file a claim with your agent and immediately collect the damages (less your deductible) and your company will sue his if necessary. If and when they win or receive a settlement, you will get your deductible back. Also, if the other driver is determined to be at fault, your rates should not increase. (MORE)
What should you do if your insurance wouldn't pay your claim on your totaled vehicle because the driver was not insured on the policy at the time?
Answer . \nMost of the time an undisclosed operator does not result in the denial of a claim. If the driver of the car was an excluded operator then that is a different story. If you feel that the action of the insurance company is wrong then you should contact your state's insurance department… to file an appeal or complaint. (MORE)
Can your employer make you pay the insurance deductible if you have an accident in a company vehicle?
Answer . I don't know, but if the accident was your fault, why should he have to pay it? Might be better to pay it so you can keep your job (if the accident was your fault).. Answer . Probably not, if you were on company business at the time. If you take a company truck home after work and yo…u were at fault, that's a different situation. In either case, if you were at fault, he can write you up or possibly fire you. It might be easier just to pay the deductable. (MORE)
Can you get your totaled vehicle replaced by the other driver's insurance if the accident was not your fault but you have Michigan PLPD insurance?
Yes, but proof will be necessary - determining fault. Some insurers like to mess with your head and question the "fault" and deny coverage. Get it in writing - possibly by the at-fault driver or YOUR insurance company. Here in Canada, even if you only have PLPD, if the accident is not your fault you… are covered for repair, minus the deductible. (MORE)
What do you do when the insurance company of the driver who was at fault refuses to pay for the accident damages?
Answer . You will have to take them to court if it was their fault. Many times you can garnish their wages for not paying up.
What are your options if the at fault drivers insurance company does not want to total your vehicle?
Answer . \nThere can be a lot of variables. But basically if you are close just push them to do it. I had a car that was totaled by my estimate but their adjuster came out & said no way. I asked how he came to that conclusion & I showed him my blue book & it was clsoe enough for him to go ah…ead & total it. But we were only about $600 apart. \nWere there injuries? \nIf they still insist on not totaling your car you can always call your insirance company & have one of your adjustors come out & take a look at it. (MORE)
If you have pl pd insurance coverage and are involved in an accident that is not your fault does the other company have to pay for your vehicle repairs?
\n. \n Answer \n. \n. \ni think you have liabilty insurance. this covers damage to other peoples property & other peoples personal injury. it does not cover you in any way, unless you have some rider on your policy. however, if the other person is at fault, then they, or there insurance comp…any should be liable for your damages, both property & personal including rental coverage while your vehicle is being repaired. please keep in mind that i am in illinois. other states might have different guidelines. also, be aware that there probably is a deductible on your policy. your insurance company cannot persue damages against the other party or there insurance company until the amount of your damage exceeds your deductible. then your insurance can subrogate your damages. however, if the other party, or there insurance company comes after you, then your insurance company is obligated to defend you without reguard to any deductible you might have.\ni have to add to this answer. no insurance company can make you go to one of "there shops". they also cannot demand that you get 3 estimates. keep in mind that you own the car. you have the choices. you can buy pizza with whatever monies you get, but by the same token, an insurance company is only obligated to pay prevailing rates for your area. if 10 shops in your area charge 10 dollars an hour, but the shop you want to use charges 12, you would be respossible to pay the difference. also, keep in mind that insurance companies do not fix cars, they pay for damages. so if this other party scraped the corner of your bumper, that is all there insurance company is obligated to pay for. if there are other damages on your cover, the shop might want more money to repair that as well. this would be your responsibilty. (MORE)
If a vehicle has already backed out of a parking space and is hit by a vehicle backing out of an opposing space can the second vehicle's insurance company place responsibility on the first driver?
\n. \n Answer \n. \nUsually, 50/50%. Depends upon the state laws.\n. \n Some will try \nGet your own insurance company involved. When a car made a right from the second lane and scraped across my bumper I didn't have any damage so I didn't notify my insurance company. The other driver… was clearly at fault and was given a ticket for making an illegal turn. A few weeks later I got a letter from his insurance company saying that their investigation had determined I was at fault and I should send them $$$$$. I sent the letter on to my agent and my company made their own investigation (simply requested the police accident report). Hopefully, you have a police report. (MORE)
How does insurance determine the amount they pay you when your vehicle is totaled in an accident that was not your fault?
Answer . \nRegardless of fault, insurance companies determine that the car is totaled (in my experience) when the damage to the vehicle is estimated at a higher cost than the vehicle Suggested Retail Value, according to Kelly Blue Book. It's important to look at the Suggested Retail Value (the …representative of dealers' asking prices for that car currently - NOT the Trade-in value - the trade-in will be a lesser value, both to meet when determining if the car is totaled and to receive when your car is taken by the company. So for example, I had a Hyundai Elantra, totalled by a friend in a one-car-accident completely his fault. The blue book value of the car (in best condition - they will never know it was not before it was totaled) was about $9600 Sugg Retail in 2006. I received $10,500 which also included towing and alt. transportation. I also got to pay for the telephone pole and restaurant sign he tore down...which leads into now the only person driving it is me (but this is asnoter different question completely)\n. \nWhen your car is totalled under full coverage, you have the right to receive back an amount equal to what you lost and your car being totaled may only have resold at the lower estimate but at that present moment, it's worth (MORE)
All states require finanical responsiblity, most people do not have the funds required therefore they carry insurance. Of course it is not automatically your fault if the other driver is uninsured. It is your fault however, regardless of the other parties insurance if you were the negliegent or …deemed repsonsible for the accident. Them (or you) not having insurance does not play into the investigation of the accident and fault/liablity determination, (subject to any state laws that bar an uninsured driver from recovery). Also a person (in this scenerio, although not asked), would/could not sue the insurance company they would sue you, and if a judgment is entered against you then your company would have to pay the judgment, (always advise your company immediately if suit papers are received and your company will reprent you) also most minor accidents (under 5k or whatever your state has as it's limit), an attorney is not needed and the majority of these cases are handled in small claims court where the parties represent themselves, and only have a small filing fee. Most insurance companys have a subrogation dept. that handles recouping all costs from the other at fault carrier, or the uninsured party, the latter of course takes some time usually. File the claim with your company (assuming you have the appropriate coverage), they will handle your damage, then once all payments have been made they will 'subrogate' the 'at fault' party or company. Always provide all information whether you think helpful or not to the claims dept when they are investigating the claim. good luck..... lori ===== Sorry I just thought of something, maybe you are confusing 'at fault' with your collision coverage (and deductible--yuck & yikes !!), paying the loss (due to the uninsured drivers negligence). Unfortunately when an uninsured driver causes an accident, they don't have the money to pay the claim, therefore we use our collision coverage, that has the deductible the insured chose at the time the policy was written/purchased, also unfortunately (and people have a hard time with this), the deductible applys whether or not you are at fault, it is a coverage deductible, not a 'cause of loss' deductible (not that there is such a thing).... hope that helps answer your question if you want more specifics and care to give me the facts of loss, I would be more than glad to provide whatever help I can.....again good luck.......lori ======= In some states the other person is breaking the law for not carrying at least third party insurance to cover damage to other vehicles if it turns out the accident was their fault. If it was your fault and it's obvious (like you rear ended the guy; always your fault) you need to tell your insurance company right away. I mean, you need to tell them anyway, because you pay THEM to deal with car accidents and not YOU. If it was your fault and he had no insurance, then for him to sue your insurance company he is going to have to hire his own lawyer because he has no insurance company to take care of all this for him. If it was his fault and he has no insurance, you or your insurance company is going to have a hard time. (MORE)
What are the ramifications for a mother who lets her adult son drive her insured vehicle In other words how will it affect her if he is at fault in an accident which causes a great deal of damage?
Answer . typcially all insurance stays with the car...meaning whomever is driving your vehicle (with your permission, and subject to any exclusions your policy may have)....is insured under the policy if they have an at fault accident, it affects THAT VEHICLE policy regardless of who is driving.…..so the ramifications are your son has an accident that is his fault...your policy is subject to increase, non renewal etc. (MORE)
Who pays when there is an accident involving a vehicle that is insured by someone other than the owner of the vehicle?
Answer . Insurance stays with the vehicle, barring any policly exclusions to the contrary, the insurance that covers the vehicle covers that vehicles actions. If you allow someone to drive your vehicle and they have an accident that is their fault your insurance will be the one that takes care o…f the damages. (MORE)
What does the policy say? Are non-owner drivers covered? Hey,how come you get an auto insurance when you do not own a vehicle?Insurance of a vehicle is mandatory on the owner of that vehicle!Your question makes no sense.(sorry for saying this).
If a car was in an accident and the person driving had no licensed but was not at fault will the other persons insurance pay for damages because they were at fault?
Answer . Yes the insurance carrier of the person at fault will pay for the damages if they are in fact proved to be at fault. However you will be cited for driving without a license.
What will likely happen is that you will receive a very large bill, for which you are responsible from the lease company. Failure to pay the bill or negotiate a satisfactory compensation agreement with the lessor can result in a Suit being filed against you and a possible judgment attaching to other… owned property and bank accounts. Some states even allow attachment of a paycheck from your employer. Failure to come to terms may also result in a negative entry on you credit file. Your lease agreement likely required you to maintain property coverage on the leased vehicle. Failure to do so is a violation of the lease contract you entered into and signed. (MORE)
If involved in an accident in California without a police reportmy fault with damage to other vehicle does the insurance company file a report with dmv?
Answer . I ythinnk it depends which state you reside in. In most states, unless someone is injured or their is property damage you do not need to have a police report. Actually, many police will not write a report at all unless there is actual damage. If there was no report and no injury the DMV …will not know in MHO> (MORE)
If a vehicle is totaled and it was not the owners fault because they were hit in the rear and the owner does not have insurance does the ins co for the other driver pay the full blue book value?
Answer . The law may be different where you are, but where I am (Alberta Canada) getting the insurance company to pay up is kind of a game. Obviously they want to pay you as little as possible, however, at the same time they are obligated to pay you fair value for your vehicle. That may not be bl…ue book price. You have to be prepared to negotiate with them. That doesn't mean that you have to accept less than what you think your vehicle was worth, it means that you have to give them reasons to pay you what you want. Research prices cars similar to yours. Keep track of prices (and web addresses) of those cars that are priced higher than what the insurance company wants to pay. You should also familiarize yourself with your area's requirements for insurance companies. If they don't settle in a specific time period they may be subject to fines. There may be an appeals process that you can go through if the offer is too low, and that process may be very expensive for the company! Don't accept their first offer whatever you do. (MORE)
If you are drunk but have an accident and the other party was at fault will insurance pay for your car damages?
NO your insurance will not pay because you were drinking and driving which is ILLEGAL. You were at fault. It doesnt matter if you were stopped and the other person hit you you were still driving under the influence. YOU SHOULD GO TO JAIL.
What happens when the insured party at fault does not have enough property damage coverage to pay for damages to the other insured parties vehicle?
The person who owns the vehicle that you hit will probably take you to small claims court for the difference. You will be given a payment schedule and time to pay. If you default on payment then that person can put a lien on your property.
When someone causes an accident and he has no insurance, he isliable to pay for the damages out of his own pocket. Some of thecosts may be too much to bear and that is why people are better offhaving insurance.
The insurance company usually has the final say because they are incharge of paying out any damages. In essence, the insurance companyusually takes the side of what will cause them to pay out the leastamount of money.
If you were in an accident with no insurance and it was not your fault but the other car at fault has insurance and was issused a ticket will there insurance company pay you or the bank?
The at-fault party's insurance should cover your vehicle.. EVEN THOUGH OUR INSURANCE HAD RUN OUT BY AMONTH?
Can an insurance carrier subrogate against a third party that caused damage to their insured's vehicle if the third party already paid the vehicle owner's damages?
No. That would mean the third party tortfeasor would pay twice, which would amount to unjust enrichment.
You were in an accident and the other party was at fault Their insurance company is paying to fix your vehicle but their insurance co wants to give you next to nothing for your med pain and suffering?
See a Lawyer who specializes in personal injury and auto claims. Be wary if the lawyer wants more than 25% of any recovery as a fee. Most states have a cap on what percentage a lawyer may be paid in the event any monies are recovered from the other insurer. NO matter what, DO NOT sign any release… forms until you have consulted a lawyer. (MORE)
I feel the price depends upon the year, make, model of the vehicle totalled as well as how badly damaged is the vehicle in question and do you have a vehicle on hand to possibly transfere the salvageable parts from the totalled vehicle to the replacement vehicle?. Also did you get enough money from… the insurance company for the total prior to inquiring about buying it back?. This would perhaps be a personal decision you have to make and not someone else deciding the buy back for you. (MORE)
If a car is considered a total loss after an accident and the insurance company pays you for what the car is worth do you still have coverage on that vehicle if you contnue to drive it?
Usually if the car is a total loss, the insurance company will pay you and take the car. They then sell it for parts/salvage. If they let you keep the car, all you have to do is check on the current status of your policy and see if it is listed.
If you are involved in an accident with a person who has no insurance and they are at fault does your insurance pay for repairs to your vehicle?
Only if you have Uninsured or Under-insured motorists coverage. If so, your insurance company will pay the damages and will legally pursue the other party to recover the funds.
If a vehicle that has been stolen is involved in a car accident and is at fault whose insurance will cover the damage to the second vehicle?
The second vehicle will be covered by it's own insurance. That company will then attempt to sue the driver to recoup it's losses
Sure. If you have no valid license, you have no business driving a car at all. If you weren't driving illegally, you wouldn't have had the accident.
If you are in an accident and it is not your fault will the other insurance pay if you do not have comprehensive insurance?
Yes. The terms of your insurance policy are not relevant if the other party is at fault.
If your already salvaged car is in another accident that is the other persons fault does his insurance company pay anything?
Why are you driving a salvaged car. If the car has any value theymay pay something. If they damaged something that wasn't alreadydamaged, they might pay something. You may end up having some faultfor driving an unsafe vehicle as well if it was salvaged vehiclethat was not repaired.
If your insured with one company and you drive another vehicle that's insured by another company and you get into an accident wich insurance company pays for it?
The Owners Vehicle Policy offers primary first pay coverage. Any policy carried by the driver would invoke as secondary coverage.
What if you were in a car accident that was not your fault though you did not have insurance but the vehicle is insured?
If you are NOT at fault you have no responsibility and the vehicles insurance company that is at fault must pay all damages and costs including a rental car. If you are at fault it depends on the vehicles insurance policy if it covers alternate drivers.
Who In Florida is responsible for paying for damages to the vehicle one has insurance the other does not?
If the insured vehicle had collision coverage, the most direct route by which to have the damages taken care of would be by making a "first-party" claim against your own insurer. If you did that, you would be responsible for the payment of the deductible. When the insurer pays for the repair of your… car, it acquires the right to pursue the wrongdoer to get its money back; that process is called "subrogation". More often than not, the insurer also attempts to recover your deductible. Collision coverage is not usually mandatory unless the car is financed. In that case, the lienholder probably will require it if only to protect the value of the collateral on which it has loaned money. If you had no collision coverage, you may file a lawsuit against the owner/driver of the at-fault vehicle. If the driver was using the vehicle with the owner's express or implied permission (assuming that they are different people), both parties are potentially liable and you would be able to seek recovery from both. That is, although you could only recover your damages once, recovery could be had from the driver, the owner, or some combination (called "joint and several liability"). The suit would be to recover the cost of repair and other damages that may have been incurred (such as reasonable rental expenses, loss of use (if there was no replacement car rented), towing charges, etc). The court in which suit would be filed depends upon the amount of damages. It is always a good idea to see if the other party is willing to voluntarily settle the claim, as it never a certainly how a lawsuit will turn out, or whether, even if you win, you will be able to collect. If you have to file a lawsuit, it would likely be based upon a legal theory called "negligence", which essentially means "carelessness". In Florida, which adheres to the theory of "comparative negligence", your damages will be reduced depending upon how much negligence is attributed to you (if any). Therefore, your realistic assessment of the degree of negligence of you and the other driver will be among the factors in determining how hard you press the claim and when or if you compromise. (MORE)
Can an insurance company claim damages from a person who was involved in an accident with the insured after his vehicle is repaired by the insurance company?
Yes; the process is called subrogation. The insurer that paid for the repair of its's insured's vehicle succeeds to the right of action against the at-fault party for the purpose of collecting that which it paid. The subrogating insurer has no greater rights than its insured did, such that if its in…sured is found to have been, for example, 30% at fault for the collision (in those states that adhere to comparative negligence), the insurer can recover only 70% of its damages. (MORE)
Will progressive insurance pay for an uninsured vehicle if the at fault vehicle was insured by them?
The insurance status of the victim's vehicle is irrelevant. The at-fault insurance company will pay for your damages whether your car is insured or not.
When you are not at fault for an accident does the insurance company owe for a comparable rental vehicle?
They owe you for a rental vehicle, but it does not necessarily have to be, "comparable". It depends on the state. Some states will require that the vehicle have the same seating capacity, while others require that they only provide you with basic transportation. The type of vehicle is not a factor, …so if you drive a Lexus, don't expect the insurance company to rent you another Lexus. Check with your state's Department of Insurance to see what the insurance company is required to provide you with. (MORE)
If you are at fault in an auto accident do you have to pay the other persons deductible and my vehicle had already been damaged?
No. They are responsible for their own deductible. Because, when my van got hit, which was parked, I had to pay my deductible before the insurance company would cover it!
The best insurance company for vehicle accidents is State Farm, with over 40 million drivers currently using State Farm. This makes State Farm one of the most popular insurance companies in the world.
When the insurance company tell you your vehicle is total and want to take t the vehicle. do the have to pay the loan off?
It gets a little complicated. When a car is declared a total loss (cost of repair is 75% or more of the value of the car) the insurance pays for the fair value of the car. minus any deductible that applies. If there is a loan recorded against the car, the payment goes first to the company that ma…de the loan, anything left gets paid to the owner. But if you owe more than the car is worth, the insurance company still pays what the car is worth (to the loan company). The owner is then responsible for paying anything the insurance company did not pay. You can look up the fair market value of a car on line at nada bluebook or Kelley blue book. (MORE)