My question involves insurance law for the state of: New York.
My car, was crashed in late January of this year. I thought it was totaled but apparently it was not. Its a 2002 Subaru with high milage, and the damage done to it was just over $5000. The damage was most the front end: fenders, grill bumper, radiator and hood. The car was repaired after paying the deductable.
I took my car to the the shop yesterday, mid July of this year, because it was making a loud noise in the front end. It turn out that the entire frame is rusted/rotted out and the cost to fix was quoted as "twice as much as the car is worth".
Now my issue is this: Why was the car valued at so much if the frame was on its last legs? Shouldn't the body shop noticed this? Does the insurance company or body shop benefit from such a scenario? I just cant see why the car wasnt totaled out 5 months ago when clearly it was not worth over the $5000 that it was valued at (seemingly prior to the crash much less after it). Are there any actions that I can take? Any help is much appreciated.