Frequently Asked Questions About Total Loss Car Value

Posted on November 19, 2021 by Benjamin

Insurance is a complex thing. The average person is not expected to know all of the terms and conditions, nonetheless the restrictions and limitations, of their auto insurance policy. So, after totaling your car, it is perfectly acceptable to have questions about your coverage and how much you might get.

Continue reading to review some frequently asked questions about total loss car value, including how total loss is determined by the insurance company, why your insurance payout might be less than your auto loan, your expectations when you still owe on a totaled car, and an easy alternative to earning fast cash for a totaled car in Central Indiana.

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Total Loss Vehicle FAQS

When it a Car Declared a Total Loss?

Insurance companies declare a vehicle a total loss in one of two scenarios: 1) the cost to repair the vehicle back to the pre-accident condition exceeds its actual cash value (ACV), also known as fair market value, or 2) the cost to repair the vehicle exceeds a percentage of its fair market value.

For instance, if your car’s actual cash value is currently estimated at $3500, but the cost to repair it back to its pre-accident condition is $4500, your insurance carrier will likely declare your vehicle a total loss.

If your state has a set total loss threshold, an insurance company will declare your car totaled if the cost to repair it exceeds a certain percentage of its actual cash value. For instance, if the state’s total loss threshold is below 60%, and the cost to repair your vehicle is more than 60% of its current fair market value, it will be deemed a total loss.

Why is My Insurance Payout Less Than My Auto Loan?

Sometimes after totaling a vehicle, an insurance policy owner will discover that their insurance payout is less than the original value of their auto loan. There are many reasons why this might occur. First, keep in mind that cars depreciate in value, even more rapidly after leaving the dealership. Other reasons why your insurance payout is not enough to pay off your loan is because 1) you do not have gap insurance, 2) you have a previously rolled over auto loan, or 3) an extended warranty was included in your car loan. In the third case scenario, you may be entitled to a refund on any unused warranty if you totaled your car.

Do I Have to Pay the Remainder of My Auto Loan After Totaling My Car?

Yes, you will be responsible for paying the remainder of your auto loan after totaling your vehicle. You can choose to pay off the balance right away or you can contact your insurance carrier and negotiate a higher payout. Although rare, your carrier may agree to cut you some sort of roll-over deal or new policy discount.

Will Insurance Pay Me if I Keep My Totaled Car?

If you want to keep your totaled vehicle after wrecking it, you likely can. Most policies do allow clients to do so. But beware; there is plain language insurance policy that revokes or lessens auto insurance payouts. Some automotive insurance policies will pay a client the actual cash worth of the totaled vehicle, minus any deductibles or fees owed by the client, and still allow them to keep ownership of their total loss car.

How Can I Sell a Totaled Car in Indianapolis?

The best way to sell a totaled car in Indianapolis is to choose a junk car buying company that pays cash on the spot. Many cash for cars companies in Indiana will send a check in the mail that sometimes never even arrives. Other auto salvage companies will pay in alternative forms of cash, such as money orders or checks. Receiving cash on the spot is the best way to earn a profit off of a totaled car. Be sure to also choose a company that provides free junk car removal so that you do not have any hidden fees deducted from your offer.

Are you looking for a responsible Cash For Cars Company in Indiana that can meet and exceed all of your expectations for profitable junk car selling? Contact Benjamin’s Junk Cars at 317-218-7133 to sell a total loss car in Indianapolis, Indiana for cash on the spot. We provide free junk car haul away, so all you need to do is call!

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How to Get Rid of Old Gasoline

Posted on November 4, 2021 by Benjamin

Many car savvy people wrongly assume that old gasoline is harmless since it loses its combustibility over time. However, there is no room for risk when it comes to old cans filled with gasoline. It is your duty as a respectable citizen of your community to ensure that you are getting rid of gasoline, safely and responsibly.

Continue reading to learn how to dispose of old gasoline the right way.

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Safe and Legal Gasoline Disposal

It is important to understand that you cannot simply toss old gasoline in the trash cans and set it on your curb for garbage collection day. Old gasoline, although less combustible, is still a dangerous chemical that can pose countless health and safety risks to you and those in your community. Regardless of combustibility depreciation, old gasoline is still flammable, and therefore still dangerous.

Be a Good Citizen and Know the Laws

Old gasoline is typically unusable, which is why many people find themselves in need of a disposal route. Whether you are draining motorized lawn equipment for the season, emptying the fuel tank in a junk car you are preparing to sell, or storing a surplus of gasoline that has now expired, the method in which you choose to dispose of it matters.

Not only is it important to dispose of old gasoline for the safety and preservation of our local environment and the citizens within our surrounding communities, but it is also important for legal purposes. Many jurisdictions have strict regulations and legal requirements for gasoline disposable. It is important to check with your local county to ensure you are following the proper gasoline disposal procedures. Not sure where to begin?

Here is the standard process of gasoline disposal:

1. Check the Quality

Start by inspecting the gasoline to see if there is any chance it can be reused. Old gasoline may still be reusable if it smells moderately fresh and retains clarity. In order to reuse gasoline safely and effectively, you will need to dilute it with fresh gasoline first.

2. Find a Local Hazardous-Waste Center

Your next step is to find a local hazardous waste disposal center that will accept your old gasoline. You can contact your local police department, county clerk’s office, or garbage management company for answers to your fuel disposal questions.

3. Transfer it to a Government Certified Container

Most likely, your gasoline is already stored in a container that is government approved and certified. If not, you will need to transfer your old gasoline into a government certified container before transferring it to a local hazardous waste disposal center. The conventional red gas cans you see in the store and at the local gas station are government certified containers.

4. Secure Your Cargo for Transportation

Once your gasoline is transferred to government certified containers, it is important to secure them inside your vehicle to avoid spillage in transit. It is recommended to put a box in your car and line it with plastic tarp. Then place the gasoline cans inside to reduce movement during the trip.

Have you just finished draining your junk car of gasoline and now you’re ready to get started with the selling process? Contact Benjamin’s Junk Cars at 317-218-7133 to sell your junk car in Indianapolis for cash on the spot! We serve all of Central Indiana.

3 Factors Used to Calculate Junk Car Actual Cash Value

Posted on October 15, 2021 by Benjamin

If you are preparing to sell a junk car, you will come across the term, Actual Cash Value (ACV). This term is important to the total profit you make from your junk car. To calculate the actual cash value of a junk vehicle, you must use 3 impressionable factors. Continue reading to learn which 3 factors are used to calculate junk car ACV, and where to get the most money for yours in Central Indiana.

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Actual Cash Value for a Junk Car

Although there are various other factors used to calculate the actual cash value of a junk car, the top three most impressionable factors include book value, fair market value, and the replacement cost. Additional factors might include the age, make, model and condition of the vehicle, as well as the location, difficulty of removal or transport, and the particular discretion of the buyer.

❶ Fair Market Value

Fair market value is similar to the blue book value, but not entirely the same. Both values are often used in combination to estimate the worth of a vehicle. Fair market value is also referred to as wholesale or retail value among auto dealers. Because of the ambiguous definition, fair market value is often used to the insurance company’s advantage when claiming a total loss vehicle.

❷ Book Value

Book value is the closest value to actual cash value (ACV). It is best described as a vehicle’s common value. Top resources for finding book value are Kelly Blue Book, NADA, and similar book value directories.

❸ Replacement Cost

Replacement cost is the retail market value of the same car when purchased brand new, minus a set standard of depreciation and damages. If you were to total your car right now, the money you would receive from the insurance company would be the replacement cost. This factor is mostly used for newer model or brand new vehicles.

Calculating the value of a junk car is done differently all across the nation. It is important to check with your local and federal laws to ensure that you are receiving a fair offer for your junk or total vehicle.

Are you looking for a trusted cash for cars company in Indiana that will pay you top dollar for your vehicle? Contact Benjamin’s Junk Cars at 317-218-7133 to sell a junk car in Indianapolis, Indiana for cash on the spot. We provide free junk car haul away, so all you need to do is call!

Are You Looking for Auto Salvage Yards in Indianapolis?

Posted on September 30, 2021 by Benjamin

When it comes to searching for auto salvage yards in Indianapolis, you don’t have to look very far. Here at Benjamin’s Junk Cars, we offer the highest payouts for all junked or totaled motorized commodities, including cars, trucks, SUVs, construction equipment, campers, watercrafts, and more.

Continue below to learn why we are Indy’s leading auto salvage yard, and how to get started with a free quote for your junk car today!

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Why Choose Benjamin’s Junk Cars in Indianapolis?

☑ Cash on the Spot!
☑ Free Junk Car Removal!
☑ Friendly and Responsible Service!
☑ No Surprise Fees or Hidden Deductions!
☑ Accepts All Junk Cars and Motorized Vehicles!

Not only does Benjamin’s Junk Cars accept all totaled and junked vehicles regardless of age, make, model, or condition, but we also pay the most money out of all of our local and statewide auto scrapper competitors! Even better, we pay cash on the spot, while many of our competitors will promise to send a check in the mail.

The problem with this promise is, once your check arrives, there are hidden fees deducted from the offer you were originally given. In worse scenarios, the check never arrives at all. This happens all too frequently among auto salvage yards in Indiana. For this reason, it is critical to choose the right Indianapolis Indiana junk car buyers who keeps their promises and delivers superior customer service.

Indiana Junk Car Buyers You Can Trust

Our Indianapolis cash for cars professionals never tack on hidden fees or surprise deductions. We pay cash on the spot as soon as we arrived to collect your junk car or junked commodity. Furthermore, junk removal service is free, so you don’t have to pay an additional towing fee to sell a junk car in Indianapolis to Benjamin’s Junk Cars! As you might’ve guessed, our local and statewide cash for cars competitors do charge for junk removal because they do not have their own in-house tow truck like we do.

We Service All of Central Indiana With Junk Car Removal

Although based out of Indianapolis, Benjamin’s Junk Cars maintains a broad service area throughout Central Indiana. We operate well beyond the Indianapolis city limits, but for the areas we don’t normally service, we are always happy to make special arrangements for customers slightly outside of our service area!

Are you ready to get a free quote for your junk car? Contact Benjamin’s Junk Cars at 317-218-7133 to get started with the junk car selling process in Indianapolis, Indiana. We offer free junk car removal throughout all central parts of the state.

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How Much Does it Cost to Replace a Broken Alternator?

Posted on September 15, 2021 by Benjamin

Your alternator is a vital engine component because it is in charge of converting mechanical energy into electrical energy, which in turn is used to recharge all the electrically-powered components in your vehicle. This means that the alternator is also part of your vehicle’s electrical system. As you rev the engine, this mechanical energy is turned into electrical energy that powers your stereo, cabin lights, exterior lights, and even your car battery. If you are experiencing what seems to be engine or car battery problems, it could be an issue with your alternator.

Continue reading to learn how to detect the signs of a faulty alternator, and how much it might cost you to replace it if it’s broken.

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How to Detect a Malfunctioning Alternator

On the most common signs of the malfunctioning or bad alternator is a reoccurring dead car battery. If your car battery seems to die every time you start your car every time you drive it, it could be an underlying issue with the alternator. After all, your alternator is one of the most significant components of your vehicle’s electrical system.

Accordingly, another common sign of a bad alternator is light failure. If your interior or exterior car lights are dimming or have gone out completely, your alternator could be to blame. If you have a faulty alternator, you may also smell burning plastic, which is indicative of burned internal components or wires within the alternator. This is a serious repair that requires immediate attention from a licensed mechanic.

Facts About Alternator Repair and Replacement

Your alternator is connected to your car engine and powered by either a timing belt or timing chain. If any of these components surrounding your alternator breakdown, you can begin to experience issues with your vehicle. In such cases, you would just require alternator repair.

The cost of alternator repair will depend on several factors, including the particular auto repair shop you choose, the complexity of the repair, the rarity or warehouse price of the part you need, and how long the repair takes. In most cases, you can expect alternator repair to cost between $75 and $300.

Car Alternator Replacement Costs

In almost all cases of a faulty or broken alternator, alternator replacement is the best option. The cost for this would be higher than alternator repair because you must purchase a whole other alternator, plus pay for labor, materials, subsequent parts, and anything else needed to complete the repair. The average rate for car alternator replacement lies between $200 and $700, depending on the make and model of the vehicle and all additional factors mentioned above.

Is your car beyond the value of repairing and now you don’t know what to do with it? Contact Benjamin’s Junk Cars at 317-218-7133 to get a quote from an experienced Indianapolis junk car buyer who will pay you the highest cash payout for junk vehicles and parts in Central Indiana. We provide free junk removal!

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Here is Why Your Car Engine is Overheating

Posted on August 30, 2021 by Benjamin

Is your car engine overheating every time you take it out on the road? Fortunately, diagnosing an overheating car engine problem can be simple so long as you know what you’re looking for. Continue reading to learn the top reasons why car engines overheat, and what you can do if your motor needs to be replaced.

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Common Automotive Engine Problems That Cause Overheating

Although there are very many reasons why a car engine can be overheating, in most cases, you can figure out what the problem is on your own. If your overheating car engine is not being caused by any of the top reasons listed below, it is important to take your car into the auto shop for professional diagnostics.

Insufficient Coolant Levels

Radiator fluid, also referred to as coolant or anti-freeze, is a vital automotive fluid that requires periodic refilling, especially during the warmer seasons of the year. If your car is low on coolant, it cannot regulate and control the temperatures that are being generated within your engine. As a result, your engine will get too hot and eventually overheat. Simply refill your coolant to solve this problem and keep an extra bottle in the trunk in case you run low while out on the road.

Coolant Leak

As you now know, coolant is a vital automotive fluid that your car must have at all times. So, if you have a coolant leak, it will cause your car to eventually overheat. Coolant leaks can because by a number of reasons, but you can tell if it’s your issue by looking underneath your car after letting it sit for a while. If you see liquid underneath your car where the radiator is located, you can assume that your vehicle is losing coolant.

Faulty or Sluggish Cooling Fan

If your cooling fan is defective or malfunctioning, either as a result of a bad radiator switch or defective electric fan, it can quickly cause a car engine two overheat. You can tell if your cooling fan is having problems by monitoring your cars temperature gauge on the dashboard. If you see the arrow slowly creeping up and getting hotter and hotter as you drive, you can assume that the cooling fan is not working properly. This is usually the step that happens before the engine overheats.

Broken Fan Belt

Another common cause for an overheating engine is a broken fan belt. Like radiator fluid and cooling fans, your vehicle’s fan belt plays an important role in regulating the temperatures generated by your car engine. If your car suddenly begins to overheat, it could be due to a broken fan belt. This is typically more common in older model vehicles, and relatively easy and cheap to fix.

Is your car engine completely totaled and now you must replace it with a new one? Contact Benjamin’s Junk Cars at 317-218-7133 to make instant cash by selling your old or broken auto parts to our Indianapolis Indiana cash for cars auto salvage company.

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Is it Expensive to Replace a Catalytic Converter?

Posted on July 23, 2021 by Benjamin

A catalytic converter is necessary for any fuel-powered vehicle. If the catalytic converter goes bad, you must get it replaced. But because this vital automotive part is so expensive, it is common for the cost of replacing a catalytic converter to exceed the current market value of the vehicle in whole. In such a case, a car would be deemed a total loss by the presiding insurance carrier. If this happens to you, it would be more beneficial for you to sell your car or file an insurance claim for a totaled vehicle rather than paying to replace the catalytic converter.

Continue reading the learn more about catalytic converters, including their average cost and what to do if your car is a total loss after yours breaks down.

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The Importance of Catalytic Converters

Your car’s catalytic converter is so important because it filters the dangerous emissions produced by burning fuel. More than just a tailpipe, the catalytic converter is designed with an internal, honeycomb-like structure that inventively eliminates harmful emissions, thus protecting our surrounding environment from pollution. It also prevents your car’s muffler from billowing large clouds of smoke on the road, which can be very dangerous to other drivers.

Cost to Replace a Catalytic Converter

To get straight to the point, catalytic converters are not cheap. Because they are such an essential automotive component designed to perform a critical to perform such critical tasks, they must be manufactured from high quality, precious metals like platinum and titanium. For this reason, they can only be so cheap.

On average, you can expect a catalytic converter to cost anywhere between $800 and $2,200 if purchased brand-new. This however does not include the cost of labor and any necessary parts required to perform the catalytic converter replacement job. When all said and done, the total cost to replace the catalytic converter can be as high as $3000. If you are purchasing a used catalytic converter, you can expect to save anywhere from 10 to 20%. However, you will still need to pay an auto repair shop to perform the work for you.

When Catalytic Converter Cost Exceeds Car Value

Sometimes, catalytic converters are so expensive they exceed the current market value for the actual vehicle. For this reason, it doesn’t make sense to replace the catalytic converter. Instead, it is recommended to turn your car over to your insurance carrier, or seller to a local Indianapolis cash for cars company. When you sell your totaled car to a local junkyard buyer, you get paid instant cash on the spot, which can be put toward a new vehicle purchase!

Are you ready to sell your totaled vehicle for cash on the spot? Contact Benjamin’s Junk Cars at 317-218-7133 to sell your junk car in Indianapolis for cash on the spot! We serve all of Central Indiana.

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Where to Sell a Junk Car for Cash in Bloomington Indiana

Posted on June 30, 2021 by Benjamin

Cars and trucks are not designed to last forever. Neither are other motorized vehicles, like motorcycles, tractors, motorboats, semis, vans, and even golf carts and scooters. Here in Bloomington, Indiana, we Hoosiers have a lot of these very same commodities, and after some time, they are bound to turn into junk. But just because your car or truck is junked doesn’t mean that it is no longer valuable. You can get paid cash for your junked or totaled motorized commodities, so long as you choose the right buyer.

So, where can you sell a junk car for the most cash in Bloomington, IN? The answer is simple. BENJAMIN’S JUNK CARS!

Continue below to learn how we make the Monroe County junk car selling process as easy as placing a takeout order at your favorite restaurant!

BENJAMIN’S BUYS JUNKED CARS AND MORE!

Bloomington Indiana Cash for Junk Cars

Here at Benjamin’s Junk Cars, our Bloomington Indiana Cash for Junk Cars company is a well-established and trusted source for selling junk cars and motorized commodities, and for several reasons.

☑ We pay CASH ON THE SPOT.
☑ We offer FREE JUNK CAR TOWING.
☑ We provide FREE PHONE QUOTES.
☑ We maintain a BROAD SERVICE AREA.
☑ We are FRIENDLY AND HONEST.
☑ We can do SAME DAY SERVICE.

Why Choose our Bloomington Cash for Cars Company?

Furthermore, our Bloomington auto salvage complex is fully equipped with the latest innovative technologies to accurately measure the scrap value of a junk car, such as flatbed electronic weight scales and state of the art metal analyzers. We also have decades of training and industry knowledge under our belts, which gives us an advantage when evaluating the worth of a junk car or other motorized vehicle. You can rest assure that you are getting paid the full and fair payout for your junk car when you choose our Bloomington Cash for Cars Company!

Best of all, we do not work with any middlemen. We are a comprehensive, independently operated and owned auto salvage business. This means that we have the proper capital to pay our sellers more than any other junk car competitor around. Other junk car companies will lowball you as much as possible, and even add in hidden fees and charges, like junk car removal and title transfers.

With Benjamin’s Junk Cars, you never have to worry about surprise fees or charges. We offer what’s owed and pay it in cash on the spot! Contact us at 317-218-7133 and get started with Bloomington IN cash for cars, today! We serve all of Central Indiana!

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Here is the Easiest Way to Sell a Junk Car in Central Indiana

Posted on June 15, 2021 by Benjamin

So, you have a junk car that you want to sell, but you have no idea how to get started? Or perhaps you have a junk car, but you really don’t want to deal with the hassle of getting rid of it? Well, you might be pleased to Discover that there is a very simple method of selling a junk car; one that makes you instant cash on the spot. Best of all, you don’t even have to leave your house! Want to know what this secret and lucrative method of junk car selling is?

In fact, continue reading to learn the easiest way to sell a junk car in Central Indiana.

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Benjamin’s Junk Cars Serves All of Central Indiana

Here at Benjamin’s Junk Cars, we are a professional Indianapolis Cash for cars Company with esteemed reputation for paying at the highest and fairest payouts for all junk vehicles and motorized commodities in the state. Although our salvage yard is based out of Indianapolis, our licensed junk car buyers serve clients all throughout all of Central Indiana, including Carmel, Noblesville, Fishers, Danville, Greenfield, Greenwood, Nashville, Plainfield, Westfield, Zionsville, and Bloomington.

Are You Ready to Sell a Junk Car For Instant Cash on the Spot?

have first, it is important to know that the professional junk car buyers at Benjamin’s Junk Cars accept all junked and total vehicles and motorized commodities, regardless of age, condition, or location. We accept cars, trucks, SUVs, vans, commercial trucks, tractors, bulldozers, forklifts, golf carts, motorcycles, and anything else with a motor or that used to have a motor. Whether runs or not, will take it off your hands and pay you cash on the spot!

Here’s how the junk car selling process works at Benjamin’s Junk Cars:

➀ Call us at 317-218-7133 and answer some questions about your junked vehicle.

➁ Receive a free over the phone offer for your junked vehicle.

➂ Accept our offer and schedule a time for us to haul away the vehicle free of charge.

➃ When our in-house tow truck arrives to pick up your junk vehicle, sign the title over to them and accept your well-earned cash!

Not Sure About Accepting Our Offer?

Are you a bit apprehensive about accepting our junk car offer over the phone? Don’t be! Here at Benjamin’s Junk Cars, we have a solid reputation for paying the most cash for junk cars in Central Indiana! You see, we are able to offer the fullest and fairest payouts for junk cars in Indiana because we cut out the middle-man. Therefore, we only make honest offers for junk cars, and stand by our services 100%. Furthermore, we offer flexible scheduling, same day service, and adhere to all Indiana EPA regulations for auto recycling. No title? No problem! We can still find other ways to verify ownership, such as your vehicle registration.

What are you waiting for? Take advantage of our amazing cash for cars offer today! Contact us at 317-218-7133 to sell a junk car for cash in Indianapolis Indiana. Use your junk car profit for something fun this summer!

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How to Get Free Junk Car Removal in Indianapolis

Posted on May 27, 2021 by Benjamin

Having a large piece of junk on your hands is not a convenient situation to be in. When that large piece of junk is a vehicle, then the situation is even more inconvenient. Depending on the condition and location of the vehicle, it can even cost you money, time, and heavy labor to get the job done. Wouldn’t just be easier if you could hire someone who is fully-equipped to extract, remove, and tow away your junk car? Well, guess what? There is!

Just contact Benjamin’s Junk Cars for free junk car removal service in Indianapolis, and anywhere within Central Indiana. That’s right, it’s FREE! You pay nothing to have your junk vehicle taken away, and the process is easier than ordering a pizza!

Continue below to learn how to get free junk car removal at Benjamin’s Junk Cars, and earn some cash while doing it!

We’ll Pick This Up and Haul it Away FOR FREE.

The Junk Car Removal Process is Simple….FOR YOU!

We buy all types of vehicles running or not. From used cars to wrecked or salvaged, we buy them all. To sell your car for cash, the process is very simple. Basically, just remove the license plates, front and back, and all other personal belongings. Then cancel the registration is necessary. From there, you just have to wait for us to arrive with your cash, and take that clunker away!

NEXT, JUST FOLLOW THESE SIMPLE STEPS:

☑ Contact Us Via Phone or Email
☑ Receive a Competitive Offer
☑ Accept Our Offer
☑ Tell Us When to Pick it Up With Our In-House Tow Truck
☑ Get Paid CASH ON THE SPOT!

We Make it Easy and Free to Get Rid of an Old Car

See? We told you that Junk car selling has never been easier in Indianapolis, Indiana! Benjamin’s Junk Cars offer the most generous proposals for all make and model junk vehicles, regardless of age or condition. Sell us a wrecked or salvage car, or a car older than you!

Are you worried because you can’t find the title? That doesn’t have to be a problem at Benjamin’s Junk Cars! We can find alternative ways to establish ownership; or you just could call your local BMV branch and file for a replacement title.

Benjamin’s Junk Cars truly does make the junk car selling process easy and convenient for our clients by providing free, over-the-phone quotes and free towing service. To get started, simply dial our number at 317-218-7133 and request your free junk car quote!

Ready to schedule your free junk car removal appointment and earn some cash too? Contact us at 317-218-7133 and get started with Indianapolis cash for cars, today! We serve all of Indianapolis and Central Indiana.

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