1985 300SD, blue leather interior. 406k, motor replace at 372k. Been in family since 1990, purchased for 24k then with less than 60k.
I have full coverage on the car. We were told the offender has insurance but we are unable to get the police report yet so if he has insurance we have no clue on his coverage. In Oklahoma, the minimum liability is 20k.
This happened Tuesday morning at 9:30AM. Pretty early to be drunk and high. He was arrested.
Since I do have comprehensive, am I better off dealing with my insurance?
I'm not knowledgeable about the insurance stuff so I wonder what my options are.
I would really like for it to be repaired.
Car is in good shape. No repaint, never had body work done on it. I regularly drive it to TX which is 500 miles one-way for me. Only issue I know of is the AC system is out. I just figure I am going to get low-balled and end up getting very little out of it.
Although I have never parted out a car, this car:
$400 brand new MB driver's seat controller (located under the seat).
The replacement motor I think was about 5k + 2k to install (dad paid for it since he still owned it)
I recently pulled off the driver's seat sheepskins that fell apart. The leather seat looks brand new. One bad spring underneath it.
It has always been regularly maintained by a shop or DIY.
My son had the car out-of-town so I have not been able to take a close look. He says the rear axle is "bent", not sure if it is bent or dislodged or what.
Pics on Google Drive:
https://drive.google.com/open?id=0B3YResBhqUTGM2M5bEs2NTE2QmM
I appreciate you reply and anybody who can recommend what to do or what to consider.