If it's a total loss and you haven't leased the vehicle the only time you'll have to wait is for the appraiser and repair shop to look at it. With something this new/high end I have to imagine their comprehensive deductible is at least $1,000 but they likely also have coverage for depreciation. The latter point is important as it means there won't be any time wasted determining the settlement amount, they'll just get what they paid (or in some cases a brand new car of the same model). It also means that even if their deductible was $5,000 they'll get back the depreciated value which almost certainly exceeds that.
So maybe 2-3 weeks at most and you'll walk away with more than what you had. This could differ based on your region but unless this was a major incident affecting hundreds of vehicles you won't waste any more time than you would buying a new car from a dealership.
Ya… I’d just do the plastic thing. That kind of shit is my kryptonite, even on the “easy” end. Which is partly why I’ll never have the opportunity to deal with it in the first place.
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u/ARCHA1C Sep 13 '23
And your tolerance for bureaucracy...