Submitted by Capdavil t3_1100ht4 in personalfinance
I’ve got an 06 Camry that runs well and gets me where I need to be. The car was gifted to me by an aunt, so I have no car payment, just pay the insurance.
Someone vandalized my vehicle. Broke my window, scratched the door, and took off the bumper. Some scratches on other parts of the car, but it’s cosmetic. I filed a claim. Adjuster came out and reported all the damage on my car and estimated it exceeds vehicle value.
They want me to get rid of the car, but I’ve got no payment and could probably only afford 150 max as a car payment. Is it even possible to tell insurance I don’t care about the cosmetics, just want the absolutely necessary repairs. Salvage title would essentially make my vehicle uninsurable.