Value of my 1993 ford mustang after be totaled by insurance?

I have a 1993 ford mustang or had up till yesterday morning when I was rear ended. I got hit very hard and also macked the car infront of me aswell.cop said i'm not at fualt for hitting the lady in front of me witch is good.

My car is at a collison center right now, and they should be appraising the value of the car today. My car has around 120,000 miles and would say at very good condition. My car was re painted 2 years ago. I had aftermarket wheels and tires. New interior as in carpet, corbeau racing seats, and things along those lines. Very nice looking car. I kelly blue booked it and was less then 3000. I paid for 3000 for it 2 years ago witch I have put plenty of money it this car. My question is getting less then 3000 right? I see these cars for good condition selling around 6000 in my area az. Any advice I should have before talking to the insurance company? My first accident ever and all is stress full and new to me.

The money you have spent on aftermarket accessories or new paint and etc. Really doesn't matter. The insurance company will price your Mustang out just like any other '93 Mustang, and they will tell you it's not worth fixing.

It's time to go shopping for a newer car.

Definitely be sure to mention every possible upgrade, even seat covers. You will have to argue the finesse of the vehicle to an insurance that only gives as little as possible, I had a lifted jeep get reared, hard, once I brought up the tires were 250 a piece alone, "endless" hours wrenching, my love that was ruthlessly battered by YOUR insured driver(tears. They changed there tune a little.

You don't say what kind of Mustang, so I can't look up NAD or other values, but average retail of an LX 2dr Hatchback is 5150, high is 7650.

You can discuss the modifications made as they do add to the value of the vehicle. Trouble is, many adjusters are difficult to reason with, and will try and tell you all they can authorize is a "blue book" value.

There's a possibility they will repair your car. If the cost to repair is less than 80% of the cars value, they usually repair it. The person responsible for damage to your car has the legal obligation to "make you whole" meaning that you can't (supposedly) profit, but you must be put back in the same condition as before. There are several things the insurance company CAN do, including finding an identical vehicle then adding your goodies to it to satisfy the claim. They will try and get out as cheaply as possible in All cases, (can you blame them?).

You need to know NADA blue book values for your car. Realize also NADA now considers this a "classic car." Don't accept anything you aren't in agreement with. I have negotiated a few of my own, and my kids. I have always negotiated cash settlements, some even higher than the appraised value of the car, while still keeping the car. My daughter is driving one now that has been "totaled" twice!

Sounds like you are young. The adjuster will think you are an easy target, but don't be. If all else fails, call an accident attorney. That may not get you a lot of money, but they will aggravate the wee wee out of the insurance company. See what the first offer is though, then bring up the repairs and modifications you have made. You might be surprised!

If you just had a standard insurance policy on the car I fear that you will be lucky to get $1000. KBB has very little to do with the values after about 10 years. The adjuster also does not really give too much consideration to things you upgraded. If you have valuable upgrades your best option would be to 'buy' the car back from the insurance company. You can then sell your upgrades or use them to build up a similar car.

What you need for that type of car is a agreed value policy. IF that is what you had your insurance company would pay out the value that both they and you agreed on when you set up the policy. They would then go after the at fault parties insurance company to recover their money.

If you only value the car a $3000 this may not be the best option either because the policy may cost a lot more than you are paying now so unless your car gets damaged fairly often you will likely pay more for insurance than the car is worth. You best option would be to just 'save' the extra money you would have paid for the agreed value policy so that if this sort of thing happened you would have some money in savings to repair or replace you car. Kinda sucks but its just kinda the way it is if you choose to drive a old car that is not disposable.