Friday, June 04, 2021


That is the question! It obviously relates to many items in either your home or business.

To Repair or Not to Repair?

Relevant to this blog, we will correlate it to a Service Vehicle. When a service vehicle is involved in a traffic accident, the decision has to be made To Repair or Not To Repair.

Based upon the age of the vehicle, your insurance company will establish an ACV (“actual cash value”). That value then becomes the bench mark upon which the insurance company will decide if the vehicle is considered “totaled”. An insurance company may decide the vehicle is totaled even if it can be fixed. Generally speaking, the company decides to total the vehicle if the cost to repair it exceeds a certain percentage of its value, typically between 51% up to 80%. Actually some states mandate or provide guidelines for this percentage.

Factoring in all of this, the decision To Repair or Not To Repair may be taken out of your hands. Also, you will want to consider this fact. If you have only one vehicle, then you are “shut down”. So, it may behoove you to accept the company’s offer and move forward.

Bottom line, know your rights. If you feel this “settlement” is not fair, then ask for a repair estimate from an independent source. Based upon your policy, you may be entitled to “loss of revenue” and extra expense reimbursement needed to get you back up and running.

Hopefully, you will never be faced with the decision To Repair or Not To Repair.

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