Insurance wants to total my car but i want to keep it. This is called an owner-retain option.
In most states, the total loss threshold is between 70% and 75% of the car's actual cash value. For example, if a car is worth $10,000 and the repairs would cost $11,000, the insurance company would declare the car a total loss because the repairs cost more than the vehicle's value. They get your car. 2. The carrier can take around 30 days to pay the claim and pay off the lien on a totaled car. As a licensed broker, Jerry has all your insurance needs handled from start to finish. Let’s take a look at whether it is possible to keep a totaled vehicle. Here are some key points for notifying the DMV about a totaled Between 12-14% of all car accidents result in a total loss. Apr 5, 2024 · How to negotiate your car's value after an accident. Get Directions. I purchased my 2015 Honda Accord Sport outright in cash in July 2019 for $16,140 with 31K miles. For example, a car with damage totaling 75% of its value is totaled in New York state but considered repairable in Texas, which has a threshold of 100%. See the latest rates. However, in instances where the car cannot be salvaged, your insurance Aug 19, 2020 · Once your car is declared a total loss, your first steps will be to: Remove any personal items. I've been in contact with the body shop and they are providing me with a "self repair" quote that's more affordable, or so the body shop rep says. Gap insurance can cover the $10,000 difference between your car loan balance and insurance settlement check. Generally speaking, if the cost to repair your car exceeds the value of your car less the salvage value, an insurer will declare your car a total loss. A salvage title is a special type of vehicle title that indicates your car has been damaged in an accident or otherwise declared a total loss. Car insurance in Ohio is fault-based, which means the at-fault driver’s insurance will pay for the damages in an accident. So, if your car is worth $6,000 and sustains more than $4,200 in damages, your insurer will consider it a total loss. The easiest way to deal with a totaled car after an accident may be to simply let the insurance company pay you. Its like after your ride is about 8+ years old insurance wants to total it. 02 Vortec Heads Eddlebrock 750 elc. The insurance company informs the state and the state mails you a salvage title. the value of the car, you should really push to have the car totaled. GameStop Moderna Pfizer Johnson & Johnson AstraZeneca Walgreens Best Buy Novavax SpaceX Tesla. Call up your agent and ask if you can get a check for the decreased value, or the writeoff value. Jan 18, 2022 · A car will be declared totaled from hail damage if the cost to repair the dents, dings, and any broken glass, plus its salvage value, is higher than the actual cash value of the vehicle. Mar 6, 2024 · It’s a bummer, I know, but it’s important to handle the paperwork correctly to avoid any headaches down the road. If an insurer totals your car, you can Eric West. If you decide to get your hail damage repaired, we will cover your deductible up to $500, and our experts will work to get your vehicle back to pre-hail damage condition. This is called an owner-retain option. Allstate gave us the price of what we paid in 2022 which paid off the loan plus a few thousand extra. They have to reimburse you what it costs you to repair. If your car is deemed a total loss, you’ll have to file a claim with the at-fault driver’s insurance company to . This effectively buys back the car’s salvaged title. In this case, if your car isn't even worth $1300, then they're doing you a favor. Apr 15, 2024 · You can keep your car if the insurance company totals it and your state allows you to keep it with a salvage title. From a business standpoint, it is cheaper to total the car and pay it out than to pay for repairs and have a recurring issue come up. But I'm pretty sure in my state, it's my choice whether I want to keep the car or not. The first thing you’re going to do is get the insurance and registration information from the other driver. Jul 13, 2022 · If you keep your car after it is totaled, you will need to get a salvage title for it. If you decide to keep a totaled vehicle, the title of the car will be changed from a clean title to a salvage title, which can significantly affect the resale value and may also restrict the types of insurance coverage you can get. So in this scenario, the answer depends on whether you are dealing with your own insurance company (a contract dispute), or the other person’s (at fault driver’s) insurance company. This car is my baby and I don't want it totaled. Can I just say no thanks; give… Oct 5, 2022 · A car is considered a total loss, or totaled, when the cost to repair the car is more than your car’s actual cash value (ACV) just before the accident. If you like, you can simply keep the vehicle. This is a place where you can ask for advice on many subjects. Many insurers will allow you to “buy back” a vehicle they have totaled out if you wish to repair it and make it roadworthy again. Even if you kept your car in pristine shape prior to the accident, the car is not likely to receive an excellent rating after an accident unless it is a few months old or less. According to Certified Collateral Corporation (CCC), cars of all ages are trending upward toward being declared a total loss after an accident. Let’s say the salvage is $500 to keep things easy. Some insurers may even consider a car totaled if the repair costs fall below the car’s ACV by 20% to 30%. In the past 5 years, I've put 60K miles on it, installed a hitch, and my fiance last year backed into a rear driver-side panel to make a 2' dent in the door (I'm looking at Scenario #2: The insurance company and you both agree it is totaled, but you can’t agree about how much it is worth. give them the car and get paid fully or dont and get paid less whatever they got as a bid from the insurance salvage yard. My 19-year-old son no longer lives with me. There are a few steps to take when negotiating a claim with an adjuster. Insurance from other driver wants to repair the car at $11,500 + repair costs, is there any way I can ask to get the value of the car or another car? Total value of car brand new was aboud $30K. Buy your car back from the insurance company. Crypto Mar 6, 2017 · Insurance wants to total my car? So recently an 18 wheeler ran into the back of my car damaging the whole trunk and the force of the truck pushed my car into a post scraping the side of my car. 3 days ago · Jerry compares car insurance policies, loans, and repair costs and gives you incredible rewards just for driving. The insurance company does not, because to the insurance company they want the outcome that costs them the least money. You can be fined £1,000 if you don’t tell DVLA. Total loss refers to a vehicle that sustains damage beyond its actual worth, rendering repairs costlier than the car’s value. If fault is against the other car, then you should be able to get the car fixed through the other person's insurance. The adjuster will determine if your car is in excellent, good, fair, or poor condition. An insurance adjuster will determine Oct 17, 2023 · Defining Total Loss and Drivability. If the insurance company does not raise its offer, you can contact your state’s insurance regulator, seek arbitration or file a lawsuit. She said well what if you need your car insurance to use your rental. Determine the vehicle's worth. Second is the settlement amount. Insurance co's are full of $#! + nowadays. McKayla Girardin, Car Insurance Writer. For the insurer, it doesn’t make financial sense to pay more in repairs than the car is worth, so they’ll consider it a total loss. If the TLT is not dictated by the state, your insurance Nov 23, 2021 · Even if you feel the vehicle is rightfully described as totaled, you still might desire to keep it. If you’re planning to get a new car, avoid letting your policy lapse—a break in coverage could lead to higher prices when you reinstate your insurance. If your car insurance company decides to total your vehicle, it’ll compensate you with a check for your car’s worth minus your deductible. We'll get back to you within 24 hours. Take the $4k and keep the car. Apr 1, 2024 · Savings Accounts up to: 5. May 13, 2020 · 75%. To get a salvage title, you will need to: 1. As discussed, property damage coverage is required in the amount of $10,000. Then I said I have injuries that I can’t drive for like 7 -10 months. Generally, the first issue to deal with following a car accident is to deal with getting your car fixed. Anderson + Wanca works with licensed attorneys in Arizona and throughout the United States. May 30, 2024 · After being wrecked in an accident, your insurer estimates it would cost $16,000 to repair. Is this legal? The insurance company wants to total my car; I want to fix it. The insurance company will pay you for the total value of your motorcycle plus tax, less the salvage value. Apr 1, 2024 · A totaled car is a car that would cost more to fix than it is worth, or a car that isn't repairable. Many times the reason is because they can still drive the car around, and they don't wish to purchase a new vehicle. If the damage is minor, it’s not worth filing a claim because the repair costs likely won’t exceed the Obviously if they came back with something like 7k in cash and they wanted the car too, it would obviously be a scam and I'd just pay to have the car repaired. We file class actions on behalf of individuals that were not paid the Total Vehicle Loss amounts required Aug 31, 2023 · Totaled Cars in 2024: What You Need to Know. Figure out what your vehicle is worth. You can fight an insurance company over a totaled car’s value by sending the insurer a counteroffer along with evidence justifying your car’s value. Now you have $4,500 and a vehicle that is going to need serious body work before it’ll pass a post-salvage inspection. Added fees – You’ll also have to cover any towing, storage, and title transfer fees incurred after the insurer takes possession of the car. Jan 22, 2017 · Insurance wants to total my car? So recently an 18 wheeler ran into the back of my car damaging the whole trunk and the force of the truck pushed my car into a post scraping the side of my car. Generally, if visible initial damage estimate is 75% of the vehicle’s average NADA value, it’s considered an economic total loss. Your insurance company is required to pay you what is known as the actual cash value (ACV) of your vehicle. We will call you when we’ve arrived at the value of your vehicle and explain the settlement process to you. ) The Total-Loss-Settlement Amount Your Insurance Company Offers Include Mandatory Taxes And Fees. com to set up a free consultation regarding your total loss claim. Several factors are of consideration, including your vehicle’s make, model, body style, and mileage. However, it doesn’t mean that there’s nothing you can do. But if you want to keep your car Labor will be $45/ hour minimum. Nov 16, 2004 · C3 Tech/Performance - HELP!! The Insurance wants to total my car! - Hey guys, I guess this can be a nice introduction as well as a plea for help! Here are some of the specs on my car: 1980 Corvette, L-82 turned 383 stroker All accessory’s under hood have are chrome or HPC Coated 2. It uses a hypothetical car with a fair market value We would like to show you a description here but the site won’t allow us. The value of your car must first be assessed to determine compensation. Once your auto insurer determines your car or truck is totaled, it doesn't get repaired and returned to you. The collision scrunched the driver's backside so bad that I can't open the fuel tank covering to refuel my car, so I effectively don't have a car as I'm Jan 25, 2023 · This is referred to as the Total Loss Threshold (TLT). You can argue for an increase in this number with an estimate or maybe even arguments based on comparative sales. , damages are 75% of value) would be considered a total loss in North Carolina, but still repairable in Colorado, where the damages must meet or exceed Call Anderson + Wanca at (888) 505-0953 or email us at insurance@andersonwanca. Being in a car accident is tough, but discovering your car is considered a total loss, or a “totaled car,” can turn a stressful day into a downright overwhelming one. Everybody has issues that they run into, and… the other guys company dont care if you arent at fault. Fix the car where you want and sue them for the cost of repairs. I agreed. They just deduct 'the amount a scrapyard would have paid for it' from my cashout. All fields are required. They don't owe you a new car. You may also be able to get the car fixed or totaled out through your own insurance, if you Jun 30, 2021 · WalletHub, Financial Company. Perhaps you feel as though you can salvage the vehicle or its parts. Tell DVLA your vehicle has been written off. For several reasons, you may want to keep the damaged car. However, if the cost to repair your car is high, and close to. What Gap Insurance Doesn't Cover. I did this once and it cost $300 to buy my car back with a $7000 payout for being totaled. If you disagree with your insurance settlement, you can repeal the Obtaining a salvage title is not “stressful”. Total loss means that the vehicle can’t be repaired or that the repair cost of the damage exceeds the vehicle’s value. Consider deleting or removing any personal data stored in your car's navigation, phone, and infotainment systems. Remove your license plates. 35% APY. Your only option is to negotiate with your insurer about the car’s value, as convincing the insurer to adjust the value might affect whether the car has to be totaled according to state law. Without gap insurance, you're responsible for the $2,500 balance left on your loan. maj75 (Forum Supporter) said: Their driver is at fault. $25,000- $8,000=$17,000. If your vehicle has been totaled the insurance will declare your vehicle a total loss salvage. Gap insurance only kicks in when your car is a total loss due to an accident or theft. Then your insurer takes possession of the car. Scenario B: Lets say your car is worth $25,000, and the damage is $10,000, and the Salvage is still $8,000. Apr 4, 2024 · Read on for answers to these and other questions. Related Video: Bad Faith Insurance Claims. My Model Y was hit by someone and their insurance company wants to declare it a total loss due to the long Sep 10, 2023 · Insurance companies can have a lower total loss threshold and often total a vehicle even when the estimate to fix the car is less than the current value. Your gap coverage takes care of the extra $2,500 (minus your deductible). Determine if the initial offer is too low. Jun 4, 2024 · Key Highlights. Vehicles are declared totaled once the cost of repairs exceeds the total loss threshold or the Actual Cash Value of the vehicle. Jul 13, 2023 · When drivers disagree with insurance total loss claims, they don’t have many options. Keep the Car. If your car is junk, then it goes to a yard and they don't make any money off of it. Dec 16, 2019 · Your Options After Your Car Is Totaled. the cost to repair it. What interest rates were then or are now out whether you can qualify for a Jul 11, 2024 · Depending on your state, you may be able to keep your car even if your insurance company declares it a total loss. I was recently in an accident where a driver ran a red light and T-boned the side of my car. The motorcycle is your property, and it is always your choice whether to keep it or not. So let’s say it’s worth $5,000. Leave the keys (and charging cable, if it's an electric car) with the car. This means a car is considered totaled if its repair costs, plus the salvage value of the Insurance wants to write my car off as a total loss, but the ACV won't be enough for a "new" used car I'm in CA and was rear-ended pretty badly a couple of days ago while sitting in traffic. 981K subscribers in the Advice community. Apr 11, 2022 · You will likely need to provide proof of regular maintenance. With PriceProtect™, compare car insurance quotes from more than 50 top insurance companies at lightning speed—we’re talking seconds. If your insurance company declares your damaged car has passed the total loss threshold, it’s most likely a fair decision. If you really want to keep it, you won’t get a full payout. Oct 25, 2023 · If you decide to buy back your totaled car, you will need to restore it to a condition in which it is safe to drive and insurable. For example, they owe you $10,000 for your car, and they would have recovered $1,000 by selling the salvaged vehicle to a wrecking yard. Feb 19, 2017 · Insurance wants to total my car? So recently an 18 wheeler ran into the back of my car damaging the whole trunk and the force of the truck pushed my car into a post scraping the side of my car. e. Especially if it is close to the threshold in your state. Ohio drivers must carry at least $25,000 in property damage coverage. And to me and probably you that's not total damage. Let us walk you through the ins and outs of totaled cars in 2023, from understanding the insurance process to finding a new vehicle. Aug 20, 2023 · Exchange insurance information. If you think it can be fixed you can buy it back for the salvage value, but then youget a "junk title" --and if you find out because of alignment or other problems it's not really a fixer, it's on you. The other driver will also get your insurance information. Some people refer to the process as a "forced sale Once the car arrives at COPART, our appraiser will complete his report and forward it to us. However, you will have to pay the deductible. If there was serious frame damage I doubt they'd repair the car since it's old and probably not worth much. The insurance company towed it away to be evaluated. Maybe you are sentimental about your ride. ACV is the market value of the vehicle taking into consideration pre-loss condition, options, and mileage. Schedule Your FreeConsultation Today. Auto Insurance. At the start, the insurance company's options are as follows: total the car, paying you $9k in exchange for a car worth near-$0 Mar 2, 2024 · Option 1: Let the Insurance Company Pay You. How does the insurance company decide to total my car? Insurance companies use computer programs and databases to estimate the cost of repairs and the value of your car. An insurance company will determine to pay you the lessor of repairs vs total. She then said she can only cancel my insurance to the date that my adjuster/claim person send my car replacement money. Sep 28, 2018 · Let’s say you planned on a $10,000 insurance settlement for your totaled car. Your damage might be minor, prob $1,000 or less. Sacramento, CA 95864. As you can see, there’s quite a bit of variance from state to state when it comes to what qualifies as a total loss vehicle. You can purchase the vehicle back for scrap value with a That being said the threshold may not have been met, but an adjuster can decide to total a car when issues like your gas light staying on arise. You’ll have to deal with a salvaged/rebuilt title, but you can absolutely keep it. It helps to keep a pen in your vehicle, but taking pictures on your phone works too. This doesn’t mean you have to take the payout. Jul 25, 2023 · The consequences of a car wreck can be really nerve-wracking, especially when your car gets labeled “total loss. Insurance wants to total my hail-damaged 2015 Honda Accord. Totaled car insurance helps you pay for a Mar 4, 2022 · 3/6/22 11:57 p. Went to JY found what i needed and put'er back together myself for lower than what my deductable is. The point I'm making, is that a body shop has a conflict of interest when determining if a vehicle is a total loss or not. 401 Watt Avenue. Up to you. As all of this is going on, you will need to continue making the payments on any existing car loan and keep up with the insurance payments. If your vehicle is totaled and you still owe money, insurance should cover the car’s actual cash value, first paid to the lien holder, with you pocketing any remainder. Thus even if their estimate not torn down is 75%, they expect it to exceed the actual cash value to repair and thus will pay the ACV. Whether your car was totaled in an accident or just needs minor repairs, it is important to know what your vehicle is worth. Aug 12, 2022 · 1. Aww man same thing same side as my fx45, insurance wanted to total mine too. Yes, an insurance company can force you to total your car because state laws regulate when cars need to be totaled. First is the Actual Cash Value ("ACV") of the bike. When you decide to keep it, they are going to deduct the estimated salvage amount. The bottom line is, navigating a total loss from a hailstorm can be If the cost of repairing your car is too high, the insurance company will want to just write it off as a total loss. Some car insurance companies will total a vehicle if damages are at or above 51% its pre-accident value. Get 3rd party appraisals of your car. Get an estimate. Decisions by claims adjusters can be challenged, but timing is crucial. I drove that car for five more years then sold it for $3k. Gap insurance typically won't pay for expenses like: car repairs when your car isn't a total loss; property damage Yes. Your car will be totaled, because the insurance company will only be out of pocket $12,000 to get you in another car just like yours. Jan 31, 2024 · Even if your car is declared a total loss, you should keep your insurance until your insurer finishes processing your claim. I had a very similar issue about 10 years ago when I totaled my Elantra. Your vehicle may be so badly damaged in a crash or other mishap that your car insurance company declares it a total loss, but that doesn’t mean you have to send it to the salvage yard. Jun 22, 2022 · Research the market value of your car. Auto. Oct 6, 2012 · I was in my 2013 vehicle with 3,500 miles when I was hit from the side. On the contrary, if you believe you should get more from your insurance policy, you can Cost to repair is $16,500. Jun 18, 2024 · The table below shows an example of how much you could owe if your car is totaled and you are underwater by the average amount of $6,046 owed. But your car needs to be worth 20-30% (depending on insurance company) more than the repair cost. Not by a long shot. m. You can ask the insurance company what source it Jan 2, 2024 · A totaled car is when a car insurance company decides that the cost to repair your vehicle exceeds (or is close to exceeding) what your vehicle is worth. Sep 1, 2022 · If your car is worth $10,000, and the cost of repairs is $12,000, the insurance company will want to pay the lower of the two. Future Damages. If the cost to repair the car is about the same or more than the value of your car, the insurance company will likely consider it totaled. In the last year, I spent a good 3-4k repairing problems with this vehicle (head gasket ADMIN MOD. Apr 24, 2013 · The insurance company could have said “well, if you want to keep your car, sure, but then we don’t owe you any money at all, sign this claim waiver, and get out of our office. Jun 15, 2021 · The insurance company must believe they can sell your car for more than $9k (otherwise they wouldn't have bought it from you), which is likely related to the value of all the repairs in total. They have no choice. Apr 1, 2024 · The insurance company keeps the proceeds of this sale. You can keep a totaled motorcycle if the insurance company declares it a total loss. To total a car, the total loss ratio must exceed the established TLT percentage. The insurance company will deduct the salvage value of your car from the settlement. I have an older salvage titled vehicle and my insurance didn’t care at all. Simple answer: Yes, you are usually required to notify the DMV if your car is declared a total loss or “totaled” by your insurance company after an accident. If a car can be repaired for less than what it is worth, the insurance company will pay for the repairs and will not total out your vehicle. Take the total payout. A settlement package will be sent to you with the necessary forms for you to complete and return to us with your title (if applicable). The total loss threshold varies from state to state but is generally between 70% to 100% of the vehicles ACV. They want to total it and send me a check. For example, if your vehicle has a Kelly Blue Book value of $4,500 and the paintless dent repair company has estimated that there is $4,250 worth of auto hail As others have said, you can buy the vehicle back from insurance. I just had an 03 Infiniti G35 written off by my insurance company and they gave me nearly $11,000 for it. You must then file a salvage certification at a DMV. 00. What can I do to remove him from my policy if the company wants to keep him on my policy? The insurance company is charging me a fee because I cancelled my policy with them. Depending on the insurance laws in Mar 1, 2024 · You can ask a car insurance company to total your car, but a car insurance company will never pay you more than they're obligated to. Depending on the bikes age, that may or may not be worth it. Go to your local Colorado DMV office with the required paperwork. Then I told her my car is totaled. Jul 3, 2019 · A: Either insurance can pay for the cost of fixing the car or the total loss value, it's their option. Keep the car and fix it. Dec 7, 2023 · Filing a total loss claim. A car that’s worth $20,000 and has damages of $15,000 (i. You can use sources like Kelley Blue Book to figure out the value of your car. Keep in mind, new car owners may be most susceptible to the situation above. Some companies might total your car even if the cost to fix it is lower. your own company may stipulate in your policy contract they dont have to give you the right to keep the car. Be prepared to act fast to keep your car from the scrap heap. If you have comprehensive insurance coverage, your auto insurance will pay for hail damage. If you live in an area with a lot of hail, odds are this hail damage won’t be your vehicle’s last. Jul 19, 2021 · If the cost of repairing your vehicle exceeds a certain percentage of your car’s value before the accident, insurance companies will declare it a “total loss. You may want to hire your own independent appraiser or even a lawyer. It’s only worth filing a claim for hail damage if the hail caused major damage. However, this may be worth it to you because this is the only way to avoid your car ending up with a salvage title. Instead, you receive a payment for the actual cash value, or ACV, of the car, minus your applicable deductible. If you do not want your car totaled by insurance, you may cancel the claim and not receive any Sep 21, 2023 · This means your car is declared a total loss if the damages are greater than 70% of its value. In the context of a wrecked car, “drivable” means the vehicle remains However, you owe $37,500 on your car loan. Jun 5, 2020 · If your call is considered a total loss, we’ll notify you so you can decide how you’d like to proceed. For a car to be truly considered “totaled” or a “total loss,” certain criteria must be met. Other insurers will total at 80%. If they total it you'll be given whatever the fair market value of the car was 1 second before the accident. To avoid having the bike "totaled" you have two numbers to get as far apart as possible. Other states may use a total loss formula. ” So all in all the insurance company was good to show some flexibility and just give the car back along with paying you the blue book value toward the repairs needed. IE: 5k car let them keep vs 5k car 1000 salvage value = 4k. They'll give you a check for the change of value of the car, but won't total it in this case. When you get into a car accident, you're might be saddened to find out that your insurance company wants to total your car out. 5. The insurer may then reimburse the vehicle’s “actual Feb 13, 2024 · Buyback price – If approved, expect to pay the full total loss settlement amount the insurer originally offered you. In WA state if cost of repairs+salvage value=>actual cash value of the car, insurance is required to total it. This is a salvage title situation. The insurer It wouldn't make sense for Progressive to give you $1500 to fix a car worth $1000. What can I do? The insurance company has to repair your car to the condition it was in before the accident and it has to pass a safety inspection. Your insurance company can total the car because it says so in your insurance policy. Keeping the vehicleIf you want to keep a vehicle in category C, D, N or S, the insurance company will give you an insurance payout and sell the Business, Economics, and Finance. To determine the amount it So I got in a wreck. Its an older car (2012 Corolla Hybrid) with really high mileage (300k). Got a new MY in June and have higher interest ratenwith new loan but payments are lower because the new prices are now thousands $ less. Jul 25, 2013 · 6 attorney answers. You don't have a State Farm policy. Jun 24, 2022 · Pursuing a Total Loss Claim. Jan 30, 2015 · 1. You can 1) take the car insurance payout, 2) try to negotiate (with hard evidence), or 3) get a lawyer involved. When they 'total' it, you'll get a check for the value of the car. ”. Send the vehicle log book (V5C) to your insurance company, but keep the yellow slip (V5C/3) from it. Insurance wants to total my car, but I can't find any with the same value. If you didn’t use a previous $1,000 claim check for repairs, you will only get $9,000 (minus deductible and taxes) due to your prior negligence. May 15, 2024 · The insurance company will look at the value of your car vs. Apr 1, 2024 · 2. Aug 4, 2010 · Sometimes when the damage to an older vehicle is merely cosmetic, the insurance company will want to total the car or declare it a total loss and my clients wanted to keep the car. If the insurance company’s initial offer is The insurance company owes to indemnify you up to the vehicles actual cash value. Insurance wants to total the car because the initial repair estimate is more than 75% of the value. You could potentially take the money they give you, add some of your own money, and get it repaired, but honestly I think you'd be better off just using that money to buy a different one. If your insurer allows you to do this, you must inform your insurer immediately that you want your car back. iw jo vp pf av wh tc ic hb kb
