Woman Paid to Fix Car But Insurance Company Wanted to Total It - NBC 6 South Florida
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Woman Paid to Fix Car But Insurance Company Wanted to Total It

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    An insurance company wanted to total a car damaged in a parking lot crash. But a woman called NBC 6 Responds because she wanted to fix it instead. (Published Thursday, June 8, 2017)

    Cindy Pascale was waiting for a friend in a doctor’s waiting room, when she heard a loud noise in the parking lot.

    “I just hear a boom,” Cindy said. “I look outside and I see someone had just hit my car.”

    The parking lot crash damaged the rear bumper and taillight of her 2001 Ford Taurus.

    She put in a claim with the insurance company of the driver who hit her car.

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    The insurance adjuster took pictures of the damaged vehicle. She says he told her she could get it fixed anywhere.

    “And that’s what I did, I got it fixed,” Cindy said.

    She was able to get the car repaired for $1025.

    But when she asked to be reimbursed by the insurance company, Pearl Holding Group, the company told her she should turn her car in because it was a “total loss.”

    She says they offered her $1430 for the car, but wouldn’t pay for the repairs.

    “I finally had to get a hold of NBC 6 Responds because the company did not want to work with me,” Cindy said. “All he wanted was my car and I wasn’t going to give it up.”

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    When we contacted Pearl Holding, a spokesperson told us they were following Florida Law that requires the vehicle be declared a total loss if the repair costs are 90 percent or more of the value of the vehicle.

    In her case, the repair estimate she received before it was repaired was $1095 and the value of the car was set at $1220.

    That puts the repair cost at 89.77 percent.

    But the company said they declared it a total loss, because of a “strong possibility there could be supplemental damages once the repairs begin.”

    Pearl Holding reversed course and told us since she already had the car repaired, they would pay her $1165 to cover the repairs and the rental car she needed.

    She’s glad to be able to keep her car.

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    “I can’t afford a new car. And that’s the reason I had this fixed,” said Cindy.

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