as a former appraiser and a shop owner now, the proceedure will probably go like this. the second insurance company will write a complete estimate as possible to cover ALL the damages on the vehicle. then the original estimate from the first accident will be subtracted from it. the second company will pay that amount. so, if the car had 4k damage from the first accident and the total damages to the car are now 7k, 7k-4k = 3k to you from the second company. in the event the car is now a total loss from the second accident, then they would determine actual cash value of you car, and deduct the previous damage from the final settlement. soooo, lets say your car is worth 10k, they would give you 10k for your car, less the 4k from the prior accident, giving you 6k from the second insurance. also, depending on your state laws, in the event of a total loss vehicle, the insurance company would also owe you for title and license transfer fees, and sales tax based on the value of the total loss vehicle. if your replacement vehicle is less than the value of your present vehicle, they would only owe the taxes based on the value of the replacement vehicle. if the replacement car is valued higher than your totaled car, the limit they would owe is based on the value of your totaled car.
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Today's Featured Article - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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