I took my wife's vehicle in for warranty work to the mechanic shop this past Monday. I get a call today from them saying that someone tried to steal our vehicle off their lot last night doing significant damage to the entire driver's side of the vehicle. It is a 09 Z-71 Suburban, 180K miles, sun-roof double dvd players, onstar, leather, GPS etc. It's in "fair" to "average" condition. It is also paid off.
What I'm concerned about is the garage's insurance deeming it "totaled" and the equity check they cut me is unable to put us back in an equivalent vehicle. Basically forcing me to have to take on a car note that I didn't have when I took the vehicle in. I had something similar happen back in 2011 with our Tahoe. My wife was in a wreck that was the other driver's fault totaling her vehicle. The equity check cut to us by the insurance company wasn't enough to put her back in an equivalent ride. No where close.
I called my insurance company to give them a heads up as to what happened. I mentioned the above scenario and what happened to us back in 2011 and we never were put back in the position we were in before the incident, from an automotive standpoint. Unfortunately he said many times that happens and there's not much I can do about it. I just find that unacceptable. I really do. Why aren't insurance companies made to put people back in comparable vehicles in the comparable shape {regarding miles, condition, model etc} as before the incident? Feeling very, very frustrated and ticked off right now. :mad2:
Here's some interesting facts about the case:
-The garage has been broken into three consecutive nights. On the third time was when ours was vandalized.
-The thieves didn't have to hot wire the vehicles they stole or attempted to steal. They broke into the office and took the unsecured keys off the key rings on the wall.
-The garage doesn't have a fenced in area to secure vehicles. They are parked in the front parking lot open to anyone who walks up.
What I'm concerned about is the garage's insurance deeming it "totaled" and the equity check they cut me is unable to put us back in an equivalent vehicle. Basically forcing me to have to take on a car note that I didn't have when I took the vehicle in. I had something similar happen back in 2011 with our Tahoe. My wife was in a wreck that was the other driver's fault totaling her vehicle. The equity check cut to us by the insurance company wasn't enough to put her back in an equivalent ride. No where close.
I called my insurance company to give them a heads up as to what happened. I mentioned the above scenario and what happened to us back in 2011 and we never were put back in the position we were in before the incident, from an automotive standpoint. Unfortunately he said many times that happens and there's not much I can do about it. I just find that unacceptable. I really do. Why aren't insurance companies made to put people back in comparable vehicles in the comparable shape {regarding miles, condition, model etc} as before the incident? Feeling very, very frustrated and ticked off right now. :mad2:
Here's some interesting facts about the case:
-The garage has been broken into three consecutive nights. On the third time was when ours was vandalized.
-The thieves didn't have to hot wire the vehicles they stole or attempted to steal. They broke into the office and took the unsecured keys off the key rings on the wall.
-The garage doesn't have a fenced in area to secure vehicles. They are parked in the front parking lot open to anyone who walks up.
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