Someone on the list has written up his saga of dealing with the
insurance company, and some good pointers for how to get whole.
Basically they owe you to make you whole. You might need to collect
some documentation on the value of your car (which was in EXCELLENT
condition for its age, etc.) and just keep countering with "this is what
you need to do." They will try to wear you down, just dig in. Did you
visit the doctor? Are you experiencing new pains now that weren't there
prior to the incident? Do you think it might impair your ability to
work or continue life as you had before? These kinds of things can be
quite debilitating if not dealt with effectively.
--R
Zoltan Finks wrote:
So I assumed that the insurance company would just say NO to our
counteroffer. How did you get them to relent? I mean what bargaining power
do we have? They have the power.
We are looking up listings and preparing our case. I think Blue Book on the
car is about $1000. But they go for much more than that. Unfortunately not
as much as they went for when we bought it.
Brian
On Fri, Jun 12, 2009 at 10:49 AM, tyler <casi...@usermail.com> wrote:
Don't accept the small amount they offer! Demand a fair price!
When a guy in a cadillac escalade backed out of his driveway into the side
of my 740 Turbo Wagon their first offer was about $700 minus $200 buyback
minus $200 deductible. They seriously thought I'd take a $300 check for
having a nice car destroyed!
I ended up getting a $1500 check, after deductible AND buyback- and am
still using the vehicle with the body damage. I still think it was a bit
low, but many times their initial offer.
Tyler
Zoltan Finks wrote:
This being an uncommon occurrence for both my wife and me, we are learning
how things work. Today I think I figured it out. Here's what I wrote her:
So basically I think we have it understood:
1. We get hit
2. We have damaged car
3. Repairs will NOT be paid for
4. Insurance company will pay us the value of the car (considered "buying
it" from us???)
5. Our registration will be canceled and we cannot re-register it
6. If we want the privilege of registering our car we will have to pay the
insurance company some amount, hopefully less than they paid us
(considered
"buying it back"???)
7. We would now have a "salvage" title
Net results: Damaged car, A small amount of money given us, A salvage
title
Brian
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