insurance value
08-15-2011, 09:08 AM
#1
Senior Member
Thread Starter
Join Date: 12-20-2008
Location: durham north carolina
Posts: 835
insurance value
How do i prove to the insurance co the value of my HHR ?
I know it is a very rare HHR.
It is a 2008 2lt panel with EVERY available option .
The only problem is it has 175,000 miles.
It is very hard to find anouther like mine.
Is there a list/record of how many were made ?
They are offering $7000.
I believe it should be closer to $11,000 even with the mileage.
Could I be wrong ?
Thanks for any help.
I know it is a very rare HHR.
It is a 2008 2lt panel with EVERY available option .
The only problem is it has 175,000 miles.
It is very hard to find anouther like mine.
Is there a list/record of how many were made ?
They are offering $7000.
I believe it should be closer to $11,000 even with the mileage.
Could I be wrong ?
Thanks for any help.
08-15-2011, 09:17 AM
#2
Deceased
Join Date: 06-30-2010
Location: Kannapolis NC
Posts: 25,739
Unfortunately the underwriter will only ever see a "2008 Chevrolet HHR with 175,000 miles", to the insurance company it doesn't matter whether its the only one ever built that way....or just one of 10,000 built that way.
If in 25 years the HHR becomes a collectible, then the rarity of certain configurations will affect the value somewhat(and that's a long shot), but to your insurance company....its just another HHR and nothing more.
Head over to www.compnine.com, and input your VIN, it will give you a breakdown of your options and the approximate number produced with the same configuration that model year.
If in 25 years the HHR becomes a collectible, then the rarity of certain configurations will affect the value somewhat(and that's a long shot), but to your insurance company....its just another HHR and nothing more.
Head over to www.compnine.com, and input your VIN, it will give you a breakdown of your options and the approximate number produced with the same configuration that model year.
08-15-2011, 10:26 AM
#3
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Thread Starter
Join Date: 12-20-2008
Location: durham north carolina
Posts: 835
One of a kind !!!!!!!! ???
WOW !!!!!! REALLY !! ??????
Could my HHR really be 1 of a kind.
If I read correctly , that is what that web site claims.
If so , my HHR surely must be worth more than $7000.?????
My insurance co told me they don't have to pay me what it would cost to replace my vehicle . (which I think is totally unfair).
But they did say that they are required to pay me the current fair market value.
Whatever ...Whats the dif ???
I wonder if this makes it worth trying to fix.?
Both doors seem to open/close fine , but the dash is pushed closer to the steering wheel, or maybe the wheel was somehow pushed towards the dash(maybe by my body weight @ 55mph) ???
Thanks for that web site.
I allways knew my HHR was rare , but I never thought it was that rare.
Kind of makes me feel like I've suffered even greater loss
08-15-2011, 10:35 AM
#4
Senior Member
Thread Starter
Join Date: 12-20-2008
Location: durham north carolina
Posts: 835
Here's the proof ?
http://www.compnine.com/vid.php?vin=3GCDA35P68S549535
under "raity" , it reads 1 , but then it says 7 with at least as many options.
(but not the same exact combination of options) ( I guess ? )
under "raity" , it reads 1 , but then it says 7 with at least as many options.
(but not the same exact combination of options) ( I guess ? )
08-15-2011, 10:37 AM
#5
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Join Date: 06-30-2010
Location: Kannapolis NC
Posts: 25,739
The difference between market value and replacement value can be significant I'm afraid. If the book value of your HHR is $7,000 and the cost to replace it is say $12,000(just to pull a number out of the air), unless you have a policy that is written to pay for the replacement value....you're out the difference between the two.
Depending on the force of the impact, the displacement of the steering column is probably due to the distortion of the floor pan in the accident. It sounds like its a goner unfortunately, that kind of major structural damage is just too much to safely repair.
Its entirely possible you do have a "one off", but you might be able to replace it with something just as special.
Depending on the force of the impact, the displacement of the steering column is probably due to the distortion of the floor pan in the accident. It sounds like its a goner unfortunately, that kind of major structural damage is just too much to safely repair.
Its entirely possible you do have a "one off", but you might be able to replace it with something just as special.
08-15-2011, 10:46 AM
#7
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Join Date: 06-30-2010
Location: Kannapolis NC
Posts: 25,739
Here's a link to a post on the 2008 production numbers, look at the sixth column under "1AS26"...which is the 2LT Panel.
https://www.chevyhhr.net/forums/general-hhr-4/gms-2008-hhr-production-numbers-25678/
https://www.chevyhhr.net/forums/general-hhr-4/gms-2008-hhr-production-numbers-25678/
08-15-2011, 11:00 AM
#9
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Join Date: 06-30-2010
Location: Kannapolis NC
Posts: 25,739
Like I said, maybe when HHR's become collectibles in the distant future, but now it just means it was/is special to you and those of us in the HHR community. To your insurance company, its just another loss to underwrite. You should maybe contact your agent to see if they have any sway with the head office in getting you a larger check cut.
