Quote:
Originally Posted by neutral
I don't actually know how they're going to treat it, but from what people have been telling me, it's probably going to be adjusted for depreciation from driving it off the lot, etc. I've heard my friends tell me it'll probably be docked anywhere from $500-$5000, which tells me that my friends have no clue what's going to happen.
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For most cars it's based on how previous model years depreciated, and it's based off of MSRP and then the depreciation percentage. I once totaled a car (a civic si) and got paid about $2-3K more than what I paid for it since it was pretty new and I had purchased it at a really great price. Don't feel too bad for the insurance companies though, they got me back with some pretty hilariously high rates for quite a few years after that.
That said, this damned accident is making me rethink buying one of these since the insurance is going to be total murder at this rate-already the quotes I'm seeing are totally crazy and in my area they make us pay crazy money even with a totally clean driving record and a 10 year old Camry...I'm gonna get reamed up the ass with an FR-S. I suppose that's what happens when you release a sports car with a totally defeatable traction control.