Hi, I have a question I am really hoping someone could help answer for me. Recently, I was involved in a fender bender which was 100% the other person's fault. I filed a claim and his insurance company agreed that they were liable. They decided that my vehicle was a total loss and gave me 2 options: 1)they offered to buy my vehicle from me for a certain amount, or 2)they will give me a lesser amount, but I get to keep my vehicle and have to obtain a salvage title
About 3 years ago I started making some alterations to the vehicle, as I wanted to convert it into a camper. Basically, I stripped the entire interior of the rear of the vehicle (removed the seats, carpet, headliner, plastic molding etc). I also cut a 14"x14" hole in the roof and installed a roof fan and solar panels. This was the state the vehicle was in at the time of the accident.
Now, as far as I know, the insurance company sent out an independent investigator to evaluate the vehicle. This was done without my awareness, so I have no idea how that person conducted their investigation or what they looked at. They did not have access to the inside of the vehicle, but of course they may have took photos through the windows. But based on the investigator's findings, the insurance company determined an amount to offer me.
My question is, if I sell the vehicle to the insurance company for the amount they offered, can they then turn around and change the offer once they have better understanding of the condition? Please keep in mind that my vehicle is in the exact same condition as it was at the time of the accident.
About 3 years ago I started making some alterations to the vehicle, as I wanted to convert it into a camper. Basically, I stripped the entire interior of the rear of the vehicle (removed the seats, carpet, headliner, plastic molding etc). I also cut a 14"x14" hole in the roof and installed a roof fan and solar panels. This was the state the vehicle was in at the time of the accident.
Now, as far as I know, the insurance company sent out an independent investigator to evaluate the vehicle. This was done without my awareness, so I have no idea how that person conducted their investigation or what they looked at. They did not have access to the inside of the vehicle, but of course they may have took photos through the windows. But based on the investigator's findings, the insurance company determined an amount to offer me.
My question is, if I sell the vehicle to the insurance company for the amount they offered, can they then turn around and change the offer once they have better understanding of the condition? Please keep in mind that my vehicle is in the exact same condition as it was at the time of the accident.
