why won't insurance total my car

[SlytherinSupreme]

So here's the deal. Bought a brand-new 2023 Nissan Rogue Platinum AWD. Hardly got to enjoy it before a deer smashed into me. Now, I've got $17K in damage. I have insurance that should replace the car if it's totaled, but instead, they're pushing to repair it. The estimate is from a collision shop the dealership recommended, and I'm not feeling good about it. What's bothering me is why they won't total it—this much damage should be an obvious case, right? Has anyone fought their insurance on this and actually won? Also, the Rogue is packed with cameras, sensors, and driver-assist tech, so how can I be sure this shop can properly recalibrate everything? They say they'll use OEM parts, but how can I trust they aren't cutting corners with refurbished or aftermarket parts? Can I bring in a third-party inspector to check the repairs, or will insurance stop me from doing that? I also paid for an extended warranty, but will that still be valid after all this damage and repair work done by a non-Nissan shop? And what if something fails later, like the sensors or cruise control—who's responsible for fixing it then? The shop, insurance, or Nissan? Finally, would it be a good idea to take my Rogue to Nissan and have them double-check the repairs? I just don't want to end up with issues down the line because things weren't fixed right. Anyone been through this? What would you do in my situation?

 

[KarateMan]

How about consulting a lawyer if you're not sure about something, $17K is a lot of money, man.

 

[MysticProwler]

So here's the deal. Bought a brand-new 2023 Nissan Rogue Platinum AWD. Hardly got to enjoy it before a deer smashed into me. Now, I've got $17K in damage. I have insurance that should replace the car if it's totaled, but instead, they're pushing to repair it. The estimate is from a collision shop the dealership recommended, and I'm not feeling good about it. What's bothering me is why they won't total it—this much damage should be an obvious case, right? Has anyone fought their insurance on this and actually won? Also, the Rogue is packed with cameras, sensors, and driver-assist tech, so how can I be sure this shop can properly recalibrate everything? They say they'll use OEM parts, but how can I trust they aren't cutting corners with refurbished or aftermarket parts? Can I bring in a third-party inspector to check the repairs, or will insurance stop me from doing that? I also paid for an extended warranty, but will that still be valid after all this damage and repair work done by a non-Nissan shop? And what if something fails later, like the sensors or cruise control—who's responsible for fixing it then? The shop, insurance, or Nissan? Finally, would it be a good idea to take my Rogue to Nissan and have them double-check the repairs? I just don't want to end up with issues down the line because things weren't fixed right. Anyone been through this? What would you do in my situation?

I had a similar issue with my car after an accident. Insurance wanted to repair it even though the damage was huge. i pushed back and got a second opinion from another shop. they agreed it should be totaled. i sent that to the insurance and they finally gave in. You should definitely get a third party inspector to check the repairs. Insurance should not stop you! for the tech stuff like sensors i had to take it to Nissan after to be safe. The warranty should still hold if they use oem parts but check with Nissan. If something fails later its on the shop that did the repairs. i would fight to get it totaled or at least doublecheck everything!

 

[|roguecomponent|]

So here's the deal. Bought a brand-new 2023 Nissan Rogue Platinum AWD. Hardly got to enjoy it before a deer smashed into me. Now, I've got $17K in damage. I have insurance that should replace the car if it's totaled, but instead, they're pushing to repair it. The estimate is from a collision shop the dealership recommended, and I'm not feeling good about it. What's bothering me is why they won't total it—this much damage should be an obvious case, right? Has anyone fought their insurance on this and actually won? Also, the Rogue is packed with cameras, sensors, and driver-assist tech, so how can I be sure this shop can properly recalibrate everything? They say they'll use OEM parts, but how can I trust they aren't cutting corners with refurbished or aftermarket parts? Can I bring in a third-party inspector to check the repairs, or will insurance stop me from doing that? I also paid for an extended warranty, but will that still be valid after all this damage and repair work done by a non-Nissan shop? And what if something fails later, like the sensors or cruise control—who's responsible for fixing it then? The shop, insurance, or Nissan? Finally, would it be a good idea to take my Rogue to Nissan and have them double-check the repairs? I just don't want to end up with issues down the line because things weren't fixed right. Anyone been through this? What would you do in my situation?

Insurance typically totals a car when repair costs exceed its market value which might not be the case here. You can request a 3rd party inspector to verify repairs and recalibration and taking the Rogue to Nissan for a doublecheck is a wise move to ensure everything is up to snuff. Have you reviewed your extended warranty terms to confirm coverage after repairs ?

 

[coconut-biscuit]

Insurance typically totals a car when repair costs exceed its market value which might not be the case here. You can request a 3rd party inspector to verify repairs and recalibration and taking the Rogue to Nissan for a doublecheck is a wise move to ensure everything is up to snuff. Have you reviewed your extended warranty terms to confirm coverage after repairs ?

I agree with this. Hope you got this ironed out already

 

[BigBoy11]

Insurance typically totals a car when repair costs exceed its market value which might not be the case here. You can request a 3rd party inspector to verify repairs and recalibration and taking the Rogue to Nissan for a doublecheck is a wise move to ensure everything is up to snuff. Have you reviewed your extended warranty terms to confirm coverage after repairs ?

Definitely should involve a third-party inspector.

 

[roguehybriddrive1022]

That's some solid advice. Taking the Rogue to Nissan for a second look sounds like a smart move, especially with all the tech involved