First of all, let's use the word "saving" the car, rather than "salvaging." "Salvage" has
a specific legal connotation that I'd like to steer away from.
Jennifer is quite attached to the car -- it's the first new car she's ever owned. We bought it five years ago after her previous car was totaled in a virtually identical rear-end collision at a traffic light. She picked it. We even did a dealer trade to get her favorite color. At the time she was still in pain from the accident, so it was all about making her happy. She deserved it.
Today, it's a low-mileage "creampuff" of a car. It's paid for, free and clear now. It has (hopefully) lots of life left.
If the car ends up being a total loss, we will probably purchase a new car (or a very gently used near-new car), using the property damage settlement (based on its "fair market value" prior to being wrecked) as a hefty down payment... But in that case, we'd be making payments for the remainder. She knows the studio project is costing a lot of money and would rather we not take on another payment... Especially just six months after our purchasing a new car for
me six months ago.
I spoke with the body shop manager today -- he's pretty confident they're not going to find any latent damage. If he's right, then our insurance company will probably approve the repairs. We're keeping our fingers crossed that the news on Monday will be good.
Len, you're lucky you've never had this happen to you. Even when everything works out perfectly, it's still a burden. Ask anyone who's had it happen to them, and they'll tell you it's no picnic... Especially when injuries are involved.
"Converting a garage into living space requires a city permit . . . homeowners insurance won't cover a structure that's been changed without a building permit . . ." --Sacramento Bee, May 27, 2006