*If you’ve recently been in an accident, you’re sure to have a lot on your mind. And, if your car was badly damaged or you’re facing unexpected expenses, what to do next with your vehicle is an important consideration to make. You and your insurance company will need to work to determine the value of your vehicle, and if any repairs to it are possible or worth making financially.
Once you’ve asked yourself (and your mechanic!) some questions about your car’s repairs and future drivability, you’ll have a clearer idea of what the best choice for you is. Fortunately, selling your damaged vehicle is easier than ever with increased online services and the rapidly growing car recycling industry.
Should You Sell or Repair?
Before you make the decision to sell your damaged car, you should know what it would take to repair it. Shop around for quotes from mechanics in your area to get an idea of repair costs. These quotes will be a big help in determining your car’s value post-accident, as well as determining if you should repair it at all.
If your car has taken some damage but has many good years left in it, it may be more affordable to make repairs than to incur the costs of purchasing and maintaining a new vehicle. However, if the price of repairs equals or passes 50 percent or so of the cost of your vehicle, it’s probably time to sell.
Certain types of damage also may be affordable or fixable now, but become untenable in the future or make your car less safe going forward. This can include malfunctions in the engine, transmission, or frame damage. Frame damage in particular is something that can dramatically reduce your car’s impact protection for future accidents.
Your first step in selling your car after an accident is to file a claim with your insurance. Your insurance company will assess your car’s damage and make a number of determinations. The first is if the car is fixable at all, and what the cost of those fixes will be.
If your insurance decides your car is fixable and worth fixing, that’s fantastic. You’ll pay up to your deductible out of pocket, and your insurance will handle the remaining expenses. Except in rare cases where a deductible is several thousand dollars, repairs through your insurance will usually be your most affordable option.
However, if your car isn’t fixable or simply costs too much to repair, selling your damaged car can be a quick and safe way to earn cash that can contribute to your next vehicle or any new bills you may be facing.
How to Sell
A car is declared “totaled” by an insurance company when the ratio of repair costs to the value of the car is no longer worth making the repairs. This ratio is different from company to company and from state to state, but averages around 70 percent.
If your car is totaled, your insurance company will likely make an offer to buy it from you. The amount you’ll be offered would be the value of your car minus your deductible. This process is known as “making you whole.” In many cases, however, your best bet is not to sell to your insurer, but instead to make an offer to buy the car back from them.
When you buy your car back from your insurer, you’ll instead receive a check for the value of your car minus your deductible as well as the amount they believed they’d make selling your car at auction. While this means the check you receive up-front will be lower, you’ll also receive your car and its title, allowing you to sell it for more than you would have made from your insurer alone.
With your car and title available to you, it’ll be time to shop around for quotes. In the past, this process has been done by asking around local dealerships and salvage yards to find the best trade-in deal or cash value available. That process can be time-consuming, introduce the risk of hidden fees, and if you’re not thorough, you may miss the best deal.
Luckily, the Internet has made the sale of damaged cars a much smoother and more profitable process for you. When selling your car online, you’ll want to look for several important promises. First is a guaranteed quote, as less reputable buyers may try to deceive you with a higher up-front quote than what you end up receiving at the time of sale.
You’ll also want to factor in the price of title transfer and towing, which often aren’t included in quotes or offered by individual buyers. Fees can take a large chunk out of your profit for your car, and aren’t necessary, since many online car-buying companies won’t charge you any to do the same thing.
To save yourself the headache of navigating this process on your own, you should look to a reputable and reliable service like CarBrain. All you’ll need to sell your car should be its title, a description of the vehicle, pictures and the VIN. With this information, a reliable company should be able to generate a fair-market offer for your vehicle.
Once you get a quote, you should be able to accept it and schedule a free towing for your car. The driver will arrive at a pre-arrange time. Make sure that you get paid when the driver arrives — if payment comes later, it could be a potential sign of a scam.
Ben Carson Says Protesters are Being ‘Manipulated’ to Create Chaos (Video)
*There’s been a Ben Carson sighting.
After being off the radar since his RNC speech, the Secretary of Housing and Urban Development popped up Thursday evening at the Values Voter Summit in Washington D.C. trying to argue that race is being manipulated this election cycle in order to create chaos and divide Americans.
“In this election season, everything is race. And, obviously, it’s being manipulated along those lines,” he said during an interview with Family Research Council Action President Tony Perkins. “Things have changed so incredibly dramatically in this country, but in order to create the kind of chaos that’s necessary to make people want a change, you divide them, you divide them in every way you possibly can: by race, by gender, by age, by income.”
Dr. Carson also said that as a black child growing up in Detroit in the 1950s and 60s, he saw racism “that would curl your hair.”
“You don’t see that kind of stuff anymore,” the retired pediatric neurosurgeon said. “We’ve made so much progress, it’s absolutely astonishing.”
Dr. Carson also appeared to suggest that protesters are beholden to government as opposed to democracy. He said, “Right now we’re looking at people clashing who believe in a system that is of, for, and by the people, and people who believe in a system that is of, for, and by the government. Those are two very different things.”
Watch below, or click here to view on Twitter:
.@secretarycarson on the civil unrest:
“Right now we’re looking at people clashing who believe in a system that is of, for, and by the people, and people who believe in a system that is of, for, and by the government.
Those are two very different things. @secretarycarson #VVS20 pic.twitter.com/m5s9z3nGvs
— FRCAction (@FRCAction) September 25, 2020
JeffCars.com’s Review: Mazda’s CX-30
Highlight: The CX-30 is approximated $1,300 more than Mazda’s CX-3.
Test Vehicle’s MSRP: $31,670 (Base Model: $23,000)
Seating Capacity: 4
Standard Safety Features: airbags; side airbags; ABS; hill launch assist; traction control system; stability control; automatic on/off headlights; rain sensing wipers; a rearview camera; a lane keep assist system; a lane departure warning system; a tire pressure monitoring system; sunvisor extensions; a smart city brake support system; and a driver fatigue monitor system
Standard Equipment (Base Model): 16-inch wheels; front wheel drive; an electronic parking brake; dual power exterior mirrors; a manual a/c; center console armrest with covered storage compartment; cloth seats; manual adjusted front seats; a push button ignition starter system; a keyless remote system with a panic button; and an 8-inch infotainment screen
Standard Equipment (Premium Package Model): 18-inch wheels; paddle shifters connected with the steering wheel; electric assist power steering; front/rear signature LED illuminated headlights; a power liftgate; roof rails; a dual zone ventilation system; rear ventilation vents; leather seats; heated front seats; power driver’s seat with a memory control feature; overhead console with sunglass holder; vanity mirror illumination; rear armrest with cupholders; a 12-speaker Bose AM/FM audio system; SiriusXM; Andorid/Apple CarPlay; a 9-inch infotainment system with Pandora ready radio integration; a drive attention alert system; a radar activated cruise control system; a blindspot monitoring system with a rear traffic cross alert system; a heads up display (HUD) system; and an active front lighting system
Optional Features On Test Vehicle: paint color; frameless auto dimming mirror; navigation system; active driving display system; an adaptive front lighting system; leather seats; front/rear LED signature illumination; power moonroof; paddle shifters; and power rear liftgate roof rails.
Other Trim Levels:
Standard Audio On Test Vehicle: an 8-speaker AM/FM/HD radio
Apple CarPlay/Android: Available
Bluetooth Connectivity: Yes
USB Connectivity: Yes
Bumper-to-Bumper Warranty: 3 years or 36,000 miles
Powertrain Warranty: 5 years or 60,000 miles
Standard Engine/Horsepower: 2.5-liter, 4-cylinder/186-hp (horsepower)
Recommended Fuel: Regular
Standard Fuel Mileage (Non AWD): 25-city/33-hwy
What’s New: For the 2020 model year, the CX-30 compact crossover is a new addition to the Mazda portfolio.
To continue reading, click here.
About The Reviewer: Jeff Fortson is the host of Auto Trends with JeffCars.com, the only syndicated multicultural automotive radio show on the airwaves. The 30-minute weekly show, which airs on SiriusXM 141 and a number of FM radio dials, includes one-on-one conversations with many of today’s pioneers and influencers. The engaging show, which goes beyond traditional car talk, can be heard via all mobile and stationary infotainment devices, clicking here.
Planning for the Worst: Black Californians Among Groups State is Targeting for Emergency Preparedness
*Black Americans were already in the midst of two disasters this year – the disproportionate toll of the COVID-19 pandemic and a spate of horrifying incidents of police brutality — when fire season in California started early. Wildfires have burned over 3.1 million acres in California since the beginning of the year, breaking the record for the deadliest year of wildfires in the state, according to CalFire.
Though Black communities are disproportionately vulnerable to and impacted by disasters, Black households are less likely to be prepared for disasters than White households, according to the NAACP.
This September, which is Emergency Preparedness Month, some Black activists as well as community-based organizations have been partnering with Listos California, an emergency preparedness campaign anchored in the Governor’s Office of Emergency Services (CalOES). These partnerships are aimed at getting the word out about emergency preparedness to diverse communities through more accessible and impactful means, such as artwork and person-to-person conversation.
“Listos California awarded $50 million in local assistance grants to non-profit organizations throughout the state to build resiliency in vulnerable communities and connect residents to culturally and linguistically competent support — a whole community approach that fosters critical networks that can save lives. This month, I urge all Californians to learn about how they can help keep their loved ones and communities safe during an emergency,” said Gov. Gavin Newsom in his declaration for Emergency Preparedness Month.
For Aliyah Sidqe, a Sacramento-based artist who depicts Black life in America, it’s important for the Black community to be prepared to fend for themselves, she says, in an emergency situation.
“The Black community is already subject to a lot, and we’re not thought about all the time. It’s important for us to take matters into our own hands and really be prepared for what’s to come because sometimes we’re not considered in the game plan as far as what the world needs to do,” Sidqe said.
According to a poll of California residents living in zip codes at risk of floods, wildfires or earthquakes, conducted by EMC Research, 88 % of vulnerable residents agree that preparing for a disaster is important. However, those respondents admitted to not taking action to prepare because they think doing so is scary (63%), expensive (61%) or time-consuming (54%).
“I think a portion of people don’t take certain things seriously, or they’re not really thinking about all that is going on right now. It’s easier just to kind of push that to the back of your mind. But I think the fact that we’re already marginalized makes it super important for us to really be ready to take care of ourselves and be prepared for anything,” Sidqe said.
Since partnering with Listos California, Sidqe has started conversations with family members and friends about what they would do during emergencies.
“Before I really had’t thought too much about it, but it did kind of spark that, for my partner and me — conversations like where would we go if we did have to evacuate. Actually, in our area, there was a fire really close to us and a few neighborhoods had to evacuate. So, we did put a plan in place of where we would go in case that would happen.”
The Young Visionaries Youth Leadership Academy, a nonprofit serving youth in San Bernardino County, has been sharing information about emergency preparedness alongside their ongoing COVID-19 relief efforts. During their relief events, which include twice-a-month drive-thru distribution of essential items, CEO Terrance Stone and the Young Visionaries staff inform community members about the importance of being prepared.
“I’ve been introducing the program like this: I always ask if somebody came and knocked at your door right now, and told you that you have five minutes to pack your necessities and go, are you going to be able to get what you need within those five minutes? It’s an eye opener for everybody, because then they’re like, wait, like what do I actually need,” said Jennifer Rosales, Administrative Assistant at Young Visionaries.
“I tell everybody, it doesn’t have to be expensive. You don’t have to go out and spend $200, $300 to try to get a go–bag or a ready bag. I think the number one thing is this: Just look at your basic needs, something that you need every day, and then just start that way. It’s important to know that it doesn’t have to cost you a lot of money to keep your family and your friends safe,” said Rosales.
El Sol Neighborhood Education Center is coordinating outreach activities with 11 community groups from different parts of San Bernardino County.
“We have developed specific strategies to target specific communities. We have to bring cultural brokers or cultural speakers so that they understand the language, the culture and the lived experiences of each target community. We partner with agencies and churches — African American, Asian American, Latino and Native American partners. Each group knows how to best reach the people in their own communities”, says Alex Fajardo, El Sol’s executive director.
The Listos California website has Disaster Ready Guides in multiple languages if readers want to know more about what to have prepared for an emergency.
source: Quinci LeGardye | California Black Media
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