2021 ZLE STOLEN ?s

KILLA BEE · 12-31-2023, 11:54 AM

First off I’d appreciate no smart a***comments this just might happen you. It’s been 24 hours since it’s been gone. I’m crushed over this 2021 A 10 13.000 miles. What do think I will get value wise from the insurance company ussa? I’m asking just in case it doesn’t return or if found be totaled!!!! I know there going to ask me how much extra money I put into it as well, is there a max limit? I know how the game works however never had a car stolen. So anybody with PRIOR EXPERIENCE please chime in. The fact there no longer being made and this will be collectors item can I spin that as well? I also have gap coverage with Wells Fargo all really want is my car BACK

CalgaryZL1 · 12-31-2023, 12:01 PM

Well that Sucks! Sorry to hear. I have classic car insurance that has replacement cost of what msrp is for my year. Thank God I haven’t had to use it.

Z OH 6 · 12-31-2023, 12:02 PM

It's not a collectors item and the insurance company won't see it that way either. Sorry for your loss. Challenger and Charger Hellcat's have been stolen quite frequently the last few years, maybe thieves are turning to ZL1's now also which sucks. I would say the odds are very slim of getting it back in one piece UNLESS it was just a few hooligans out for a joyride but I'm guessing if they know how to steal a car, it's probably more than that.

KILLA BEE · 12-31-2023, 12:27 PM

Quote:

Originally Posted by Z OH 6

It's not a collectors item and the insurance company won't see it that way either. Sorry for your loss. Challenger and Charger Hellcat's have been stolen quite frequently the last few years, maybe thieves are turning to ZL1's now also which sucks. I would say the odds are very slim of getting it back in one piece UNLESS it was just a few hooligans out for a joyride but I'm guessing if they know how to steal a car, it's probably more than that.

Im MARYLAND hooligans are all that still cars 12 and 13 years old smh

Z OH 6 · 12-31-2023, 12:47 PM

Quote:

Originally Posted by KILLA BEE

Im MARYLAND hooligans are all that still cars 12 and 13 years old smh

Here's hoping they find it real soon. The Hellcat community has not been that lucky.

KILLA BEE · 12-31-2023, 12:58 PM

Quote:

Originally Posted by Z OH 6

Here's hoping they find it real soon. The Hellcat community has not been that lucky.

Ughjjj I hood so. Luckily I have gap from Wells Fargo and the insurance company gonna definitely give me some money.

DangerZL1 · 12-31-2023, 01:04 PM

You may have to fight for the max payout with the insurance company. They are obligated to cover replacement value. You probably should get several estimates. NADA retail would be a good start. Not sure what coverage you’d get for any modifications

Sorry to hear this happened to you. I’ve had a car stolen before and it’s a sickening feeling not to mention the $$$ lost.

jfkheat · 12-31-2023, 01:06 PM

That sucks. The insurance company will low ball you at first. Your best bet is to look to see what 2021 ZL1s comparable to your's are selling for.

WhiteMale · 12-31-2023, 01:59 PM

Its whatever youll book at, your emotional attachment is reaching for value that is not in their equation. With usaa homeowners claim i had a few years back it was easy to work with paid out right away.

LGAFF · 12-31-2023, 02:04 PM

Insurance methodologies are regulated by the state you live in, in most cases they use a market survey which uses cars for sale in your area to determine the price. They will only use ZL1s, adjust for miles, etc... and establish a value. Valuations also are based upon the ask price... so likely you will come out fairly well. You should be able to get a vehicle for the value you are offered. You also likely have the right to appraisal if the value offered does not meet expectations.

NG329 · 12-31-2023, 02:31 PM

I have had great experiences with Geico and have received compensation for my add-ons etc. They also take the market value into consideration. When my '19 was totaled I got more than what I paid for the car. They factored in current market value and the add-ons I had. All I had to do was furnish receipts.

On the other hand, where most people screw themselves is they buy the cheapest insurance possible with slip-shod companies. You may save money on the monthly note, but if and when the time comes for that insurance company to pay up, you're in for a fight.

Vigilante375 · 12-31-2023, 03:17 PM

If it is found, it'll be gutted. All the ZL1s that have been stolen have not been found or found and gutted, mainly taking the engine.

KILLA BEE · 12-31-2023, 04:01 PM

Quote:

Originally Posted by NG329

I have had great experiences with Geico and have received compensation for my add-ons etc. They also take the market value into consideration. When my '19 was totaled I got more than what I paid for the car. They factored in current market value and the add-ons I had. All I had to do was furnish receipts.

On the other hand, where most people screw themselves is they buy the cheapest insurance possible with slip-shod companies. You may save money on the monthly note, but if and when the time comes for that insurance company to pay up, you're in for a fight.

Yes, Luckily USAA isn’t like that and I also chose to add 20% of the total value of the car totaled. so I should make out really good. If the engine is gutted that probably won’t total it to save them some money

KILLA BEE · 12-31-2023, 04:07 PM

Quote:

Originally Posted by jfkheat

That sucks. The insurance company will low ball you at first. Your best bet is to look to see what 2021 ZL1s comparable to your's are selling for.

Around 67-70k lowest. For zl1 1les. I have receipts for atleast another 5-8000

12-31-2023, 11:54 AM	#1
KILLA BEE Black lightning Drives: 2021 ZL1 1LE A10 Join Date: Mar 2013 Location: Nottingham Md Posts: 1,997 View My Garage	2021 ZLE STOLEN ?s First off I’d appreciate no smart a***comments this just might happen you. It’s been 24 hours since it’s been gone. I’m crushed over this 2021 A 10 13.000 miles. What do think I will get value wise from the insurance company ussa? I’m asking just in case it doesn’t return or if found be totaled!!!! I know there going to ask me how much extra money I put into it as well, is there a max limit? I know how the game works however never had a car stolen. So anybody with PRIOR EXPERIENCE please chime in. The fact there no longer being made and this will be collectors item can I spin that as well? I also have gap coverage with Wells Fargo all really want is my car BACK __________________ [ 2021 Camaro ZLE 10 speed

12-31-2023, 12:01 PM	#2
CalgaryZL1 Drives: 2020 Chevy Camaro ZL1 Join Date: Apr 2023 Location: Calgary Canada Posts: 1,488	Well that Sucks! Sorry to hear. I have classic car insurance that has replacement cost of what msrp is for my year. Thank God I haven’t had to use it.

12-31-2023, 12:02 PM	#3
Z OH 6 Drives: 2021 Red Hot ZL1 Join Date: Sep 2020 Location: Gapplebees Posts: 3,093	It's not a collectors item and the insurance company won't see it that way either. Sorry for your loss. Challenger and Charger Hellcat's have been stolen quite frequently the last few years, maybe thieves are turning to ZL1's now also which sucks. I would say the odds are very slim of getting it back in one piece UNLESS it was just a few hooligans out for a joyride but I'm guessing if they know how to steal a car, it's probably more than that.

12-31-2023, 01:04 PM	#7
DangerZL1 Drives: 2023 Black ZL1 Auto Join Date: Oct 2009 Location: FEMA Region 4 Posts: 2,935	You may have to fight for the max payout with the insurance company. They are obligated to cover replacement value. You probably should get several estimates. NADA retail would be a good start. Not sure what coverage you’d get for any modifications Sorry to hear this happened to you. I’ve had a car stolen before and it’s a sickening feeling not to mention the $$$ lost.

12-31-2023, 01:06 PM	#8
jfkheat jfkheat Drives: 2023 Rapid Blue ZL1 Join Date: Nov 2023 Location: South Carolina Posts: 181	That sucks. The insurance company will low ball you at first. Your best bet is to look to see what 2021 ZL1s comparable to your's are selling for.

12-31-2023, 01:59 PM	#9
WhiteMale Drives: 23 ZL1 A10 Rapid Blue Join Date: Aug 2020 Location: MO Posts: 1,992	Its whatever youll book at, your emotional attachment is reaching for value that is not in their equation. With usaa homeowners claim i had a few years back it was easy to work with paid out right away.

12-31-2023, 02:04 PM	#10
LGAFF Drives: 2018 CAMARO ZL1 Join Date: Mar 2023 Location: CRYSTAL LAKE IL Posts: 4	Insurance methodologies are regulated by the state you live in, in most cases they use a market survey which uses cars for sale in your area to determine the price. They will only use ZL1s, adjust for miles, etc... and establish a value. Valuations also are based upon the ask price... so likely you will come out fairly well. You should be able to get a vehicle for the value you are offered. You also likely have the right to appraisal if the value offered does not meet expectations.

12-31-2023, 02:31 PM	#11
NG329 Drives: Chevrolet Camaro ZL1 1LE Join Date: Oct 2021 Location: NY Posts: 702	I have had great experiences with Geico and have received compensation for my add-ons etc. They also take the market value into consideration. When my '19 was totaled I got more than what I paid for the car. They factored in current market value and the add-ons I had. All I had to do was furnish receipts. On the other hand, where most people screw themselves is they buy the cheapest insurance possible with slip-shod companies. You may save money on the monthly note, but if and when the time comes for that insurance company to pay up, you're in for a fight.

12-31-2023, 03:17 PM	#12
Vigilante375 Drives: 2018 Camaro ZL1 Join Date: Aug 2018 Location: Georgia Posts: 1,370	If it is found, it'll be gutted. All the ZL1s that have been stolen have not been found or found and gutted, mainly taking the engine.

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