They do not want to "replace" cars that their insurers maim and destroy. It's just business. Allstate told me my car was totaled last week and they towed it away from the bodyshop here in town that I wanted to use to repair it. They said if it is repaired, it is not safe to drive. Their assessor was going to analyze it and determine what they would offer me. It was upsetting to say the least to be hit. But to think I had to go find another car to replace mine with whatever they decided it was worth, was mind-boggling. All weekend I searched and researched how much it would cost to replace my Malibu and I came to the conclusion that I was going to be very blessed, indeed, if Allstate compensated me enough to purchase another. I was pretty much resigned to the fact that this accident was going to cost us.
Today the assessor in Oklahoma City called and recanted the total loss. They now say my car is repairable. However, they need a revised estimate from my bodyshop based on more detailed Allstate guidelines. Because of this, they may change their mind again. Yo-yo ride.
My repairman has been so patient with the insurance company (far more than I. I think he's related to Job.). He's taken a lot of time to explain to me every detail of what is going on. He assures me that the whole reason they said it was totaled was a bottom line figure: will it cost Allstate less to total it, or to fix it? I don't know all the ins and outs of these things. I just know that my vehicle, no matter how much magic my repairman works on it, is not going to have the value it had the hour before the man ran the stop-sign and hit me. It's called diminished value (DV). The DV is the difference between the trade-in or sales value it had pre-accident and what it has post-accident.
Statistics show that 55% of consumers will not purchase a vehicle that's been in a major accident--no matter how well it's been repaired. And 81% demand a huge discount on the sale price. So when a car, like mine suffers over 7,000 dollars in repairs, it's safe to assume many folks won't pay what they might have before it got hit. I don't blame them. I don't want a car that needs its frame stretched to repair it either. But I'm at the mercy of an insurance company. Yo-yo ride. Complain, complain. Wimper, whine.
At least I don't have to shop for a car, now. My bodyshop man assures me it will be fixed and safe. I believe him.
One would think if I could trust my repairman with my car, I would certainly trust God with the details of it all. I think I must test His steadfast patience with my frenzied thoughts sometimes. I truly do. One minute I rest in His grace, the next I question my circumstance. Riding this yo-yo may seem human, but God wants me to know He is unwavering, He doesn't budge when the world seems to quake. When life challenges my peace and faith, the constancy of God's love and watchcare is rock solid. When the world spins about me, I know He's with me no matter how many ups and downs I experience while riding the yo-yo of life.
How about you? Been riding a yo-yo lately? What helps keep you from getting queazy? selahV