Hello everyone. I need some advice. My 2015 Ford F250 was stolen a little over a month ago and the insurance company paid me off after two weeks. Well last week my truck was found with very minimal damage but about 3500 miles put on it . I have not purchased a new truck yet in the insurance company is wanting to know if I want to buy it back but they are only willing to sell it to me for exactly what the payoff amount was That they paid and then fix the damage. What are you guys think about this? I've tried to offer them less money considering that I have no idea how the truck was treated when I didn't have it but they are unwilling to budge. Any advice would be appreciated.
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Did they pay you a fair amount and can you replace it for what they paid? To me, it wouldn't be any different than buying a used truck, if that's what you would be replacing it with? You never know how a used truck may have been treated either.
The ins company will likely take less. Remember: They are in business to make money. They are going to try to maximize their take every time and on every transaction, no matter how white their teeth are or how big their smile is.
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If you take it back and a month later you're having to replace the transmission or some other major item, are you going to be kicking yourself?
Right now you have the Ins check and can go get something else. Be it new or something with some type of warranty.
Go get something new to you and don't look back.
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