1999 s600 51,000 miles

Asked by Apr 08, 2015 at 11:17 PM about the 1999 Mercedes-Benz S-Class S 600

Question type: Shopping & Pricing

i have a 1999 s600 with 51,000 miles.....the other day i was in a very bad accident and i
think the ins company is going to total it. it was in  mint condition and i paid 34,000 3
years ago.....what should i ask the ins for if they total it.....you can't find comps on it as
all others have 150,000 plus . if you look at the NADA it says 10-12,000 or even less. i
need information to support my claim that it was much more valuable
thank you tdoblin@gmail.com

6 Answers

60,085

Sorry to hear this.But sad to say,insurance is not made out to what it is suppose to be,most of the time they go off there on book to pay off ,meaning way cheaper than the value of your car,this said,if they do not pay what you think it is worth,then tell them to replace it,then they wiill see the real cost,good luck with it.

3 out of 3 people think this is helpful.
58,945

Unfortunately you probably won't get the real value of the car. They may do a low mileage adjustment which will increase the car's value. For future reference you can have an older model vehicle appraised by an independent company. Once the appraisal is complete the vehicle begins to depreciate from that point. You can also run a Carfax on the car. A clean Carfax with frequent servicing can increase the car's value as well. HTH. -Jim

2 out of 2 people think this is helpful.
217,065

I calculated it is worth $8200 retail on one site I use. So NADA isn't too far off. MB depreciate quickly, and you might have overpaid at the time. But like the other guys mentioned, the insurance company will only give you book value for it because that is what your payments were based on. For future and your next one, do what Js mentioned and have an apprassial, and insuranced for replacement cost.

3 out of 3 people think this is helpful.
25

Insurance companies have system that tells them this price to this price and the use there best judgement. You'll be lucky if you get $8k or better. An you way over paid for the car even 3 years ago. I just sold an 07 Mercedes S600 w/70,000 for less than $34k. Do some better research call around an try not to get taken anymore by friendly sales people. Don't be upset with insurance be upset with the person who originally over charged you for the car.

2 out of 2 people think this is helpful.
146,285

Insurance companies are only interested in the Almighty Dollar Profit. They don't care about you, your 'feelings' as one commercial wants to make you think or the true value of the car. Just like the above post, if they offer you $8, you are lucky. If they send you a draft for $5,000 DO NOT cash it.....if you do you have accepted that as settlement

1 out of 1 people think this is helpful.
146,285

Do you live in a "No fault" State, and you carry full coverage not just liability, and what happened? I am not asking you to make a statement that it was your fault, they can use that against you. I have been a victim of car theft and what they paid me was a pittance of the car's value to ME

2 out of 2 people think this is helpful.

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