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Topic: Got the call today< Next Oldest | Next Newest >
AZKCMale Offline
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Post Icon Posted: Sep. 02 2005,2:49 pm Post # 1 see this member send this member a private message  quote this post in reply
:angry  :angry

"Mr Callahan, we have decided to total your RX7 and are going to send you a check for $1251.15."

:banghead  :banghead

C@ck Sukin insurance companies :guns  :guns

I still can't understand how they get away with this crap, car was a good car, perfect for Shaun. Then some ahole plows him and they give you ACV for a car that you have to replace which will cost you about 3 times that. Where as if the accident never happened you would have nothing to worry about :guns  :fight  :beat  :flamed

Edited by AZKC on Sep. 02 2005,2:49 pm

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Post Icon Posted: Sep. 02 2005,2:59 pm Post # 2 see this member send this member a private message  quote this post in reply
You guys going to buy the car back???

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AZKCMale Offline
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Post Icon Posted: Sep. 02 2005,3:02 pm Post # 3 see this member send this member a private message  quote this post in reply
Probably they only want $184.20 for it.

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Post Icon Posted: Sep. 02 2005,3:04 pm Post # 4 see this member send this member a private message  quote this post in reply
They will try to low ball you the first time around. What is the fiar market value of the car?? I look at what they are asking for them in auto trader and advertisments. I took ads to the Ins. adjuster and told them what I wanted for the car. I got it.

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AZKCMale Offline
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Post Icon Posted: Sep. 02 2005,3:09 pm Post # 5 see this member send this member a private message  quote this post in reply
Their days are numbered anyway :guns Pretty sure we're going the lawyer route. Time to recover some of those insurance premiums. But thats on the medical side of it. I may try finding some ads to show them though thats a good idea :good

God is Great, Beer is Good, and People are Crazy......

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Post Icon Posted: Sep. 02 2005,3:26 pm Post # 6 see this member send this member a private message  quote this post in reply
I feel for ya!! I've been down that road before more than once. Don't let them take the easy way out!! Tell them what YOU want.

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Post Icon Posted: Sep. 02 2005,3:54 pm Post # 7 see this member send this member a private message  quote this post in reply
Quote (AZKC @ Sep. 02 2005,2:49 pm)
:angry  :angry

"Mr Callahan, we have decided to total your RX7 and are going to send you a check for $1251.15."

:banghead  :banghead

C@ck Sukin insurance companies :guns  :guns

I still can't understand how they get away with this crap, car was a good car, perfect for Shaun. Then some ahole plows him and they give you ACV for a car that you have to replace which will cost you about 3 times that. Where as if the accident never happened you would have nothing to worry about :guns  :fight  :beat  :flamed

you can get comps out of the autotrader, all recipts count,oil,tires,fan belts, anything that shows repair. do not take the first offer with out doing some homework. trust me my wife does this for a living.

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Post Icon Posted: Sep. 02 2005,3:57 pm Post # 8 see this member send this member a private message  quote this post in reply
its called bitterment and they have to take acount for your repairs also the going rate for the same car is not always the same as bluebook and it matters.

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AZKCMale Offline
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Post Icon Posted: Sep. 02 2005,4:24 pm Post # 9 see this member send this member a private message  quote this post in reply
I feel for your wife :( You know thats a deal I try and get across with the adjusters, They are just doing their jobs but the companies set the policies the employee's have to follow are the A-holes :guns

Thanks for the advice :)

God is Great, Beer is Good, and People are Crazy......

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Post Icon Posted: Sep. 02 2005,5:05 pm Post # 10 see this member send this member a private message  quote this post in reply
Quote (AZKC @ Sep. 02 2005,3:24 pm)
I feel for your wife :( You know thats a deal I try and get across with the adjusters, They are just doing their jobs but the companies set the policies the employee's have to follow are the A-holes :guns

Thanks for the advice :)

Find as much info as you can that would relate to actually having to replace the car with a like quantity as others have said above. Written estimates from used car lots indicating what a car in the same condition would sell for, and so on....you can work 'em and get a much better settlement...Had to do that recently with one of my company cars that got hit by a "Progressive Insured" driver.
Good luck Kev.
How's your boy feeling?

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AZKCMale Offline
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Post Icon Posted: Sep. 02 2005,5:50 pm Post # 11 see this member send this member a private message  quote this post in reply
Kids doing OK, Thanks for asking :) He went to his regular doc for a followup visit. The docs a DO and told Shaun he was pretty messed up muscle and bone wise. Got him on some meds and he goes back in a couple of weeks to start crackin them bones.

God is Great, Beer is Good, and People are Crazy......

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Post Icon Posted: Sep. 02 2005,5:59 pm Post # 12 see this member send this member a private message  quote this post in reply
btw I've been following. Glad to hear about his progress and hope for a speedy recovery :good

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Post Icon Posted: Sep. 02 2005,8:23 pm Post # 13 see this member send this member a private message  quote this post in reply
Good input everyone... :good  :beer
Go get 'em Kev... :guns  :fight
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Post Icon Posted: Sep. 02 2005,9:31 pm Post # 14 see this member send this member a private message  quote this post in reply
Speaking of cars!!!  :p  (make note: Thread Hi Jacking Attempt About to Happen)  :D

Anyone interested in buying our Jeep??? Jordy might have a pic of it somewhere in his files  :rolleyes (hopefully not photochopped!;)  :p

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I'd say...without first talking it over with Miller  :( but I'll take my chances and say $3995 obo

good shape 93 Jeep Grand...just has been sitting for a while now...I've used it a few times over the past year, but not much...needs to have the dust cleaned off it :)
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Post Icon Posted: Sep. 02 2005,9:54 pm Post # 15 see this member send this member a private message  quote this post in reply
I went thru the same shit with a brand new car and I got FKD big time!.. What they do is pro rate it, when you first insure it they take note of the mileage, then if you total it they look at the mileage and pro rate it just like a fkn battery and it sucks big time!.. :angry
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Post Icon Posted: Sep. 03 2005,3:34 am Post # 16 see this member send this member a private message  quote this post in reply
Quote (AZKC @ Sep. 02 2005,5:50 pm)
Kids doing OK, Thanks for asking :) He went to his regular doc for a followup visit. The docs a DO and told Shaun he was pretty messed up muscle and bone wise. Got him on some meds and he goes back in a couple of weeks to start crackin them bones.

Isn't it amazing how all this extra stress ;) causes Shaun's "pain and suffering" to increase as the car's value decreases?

I know the more I stress out, the more expensive I can make it for insurance companies. :guns

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AZKCMale Offline
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Post Icon Posted: Sep. 03 2005,7:30 am Post # 17 see this member send this member a private message  quote this post in reply
Quote (Wifey @ Sep. 02 2005,9:31 pm)
Speaking of cars!!!  :p  (make note: Thread Hi Jacking Attempt About to Happen)  :D

Anyone interested in buying our Jeep??? Jordy might have a pic of it somewhere in his files  :rolleyes (hopefully not photochopped!;)  :p

High Blue Book $5000 Range
Low Blue Book $4000 Range
I'd say...without first talking it over with Miller  :( but I'll take my chances and say $3995 obo

good shape 93 Jeep Grand...just has been sitting for a while now...I've used it a few times over the past year, but not much...needs to have the dust cleaned off it :)

Does it still have that killer sound system :laugh

Is it a 4x4 and what motors is in it?

God is Great, Beer is Good, and People are Crazy......

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Post Icon Posted: Sep. 03 2005,11:22 am Post # 18 see this member send this member a private message  quote this post in reply
Quote (AZKC @ Sep. 03 2005,7:30 am)
Quote (Wifey @ Sep. 02 2005,9:31 pm)
Speaking of cars!!!  :p  (make note: Thread Hi Jacking Attempt About to Happen)  :D

Anyone interested in buying our Jeep??? Jordy might have a pic of it somewhere in his files  :rolleyes (hopefully not photochopped!;)  :p

High Blue Book $5000 Range
Low Blue Book $4000 Range
I'd say...without first talking it over with Miller  :( but I'll take my chances and say $3995 obo

good shape 93 Jeep Grand...just has been sitting for a while now...I've used it a few times over the past year, but not much...needs to have the dust cleaned off it :)

Does it still have that killer sound system :laugh

Is it a 4x4 and what motors is in it?

If it's got a straight 6,  4.0 HO.  :good  :good  Those are good motors.  Kind of archaich, but they do a fantastic job in a Jeep/

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Post Icon Posted: Sep. 03 2005,12:10 pm Post # 19 see this member send this member a private message  quote this post in reply
I don't know what kind of policy you have.....heck I don't even know what kind I have without pulling it out, but I did a real nice job on a Carrera I once owned. Needed a spatula to move it.

The Ins. Co. tried the same BS - wanted to total it and send me a check.

I told them,"No way! Fix it!" They balked, but they did it The job took 3 months or more and the car came out pretty damn nice.

It's a fact of Life:

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Post Icon Posted: Sep. 03 2005,12:49 pm Post # 20 see this member send this member a private message  quote this post in reply
ins. co.s use a 85% so if it cost more than 85% of the value of the car they total it. the way around it is to get an estimate less than that. and then add what they call supplements for hidden damage, but thats tough the estimators are pretty good at figuring that in. if they have already totaled it you need to prove the worth of the car for you cash value less the buy back.

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Post Icon Posted: Sep. 06 2005,7:38 pm Post # 21 see this member send this member a private message  quote this post in reply
Always remember, the settlement is negotiable.  Years ago my 4x4 was stolen and totaled. Insurance co wanted to pay me 2000.  Though argu....er I mean negotiating...settlement was made for 4800
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Post Icon Posted: Sep. 06 2005,7:57 pm Post # 22 see this member send this member a private message  quote this post in reply
Kevin, How's the boy and how goes the battle of the car value?? :stupid

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Post Icon Posted: Sep. 07 2005,7:13 am Post # 23 see this member send this member a private message  quote this post in reply
Car value battle starts again today, adjuster was vacationing. Kido is doing ok, he has an appointment at the Eagle tomorrow. The adjuster that was doing the personel injury side of the claim was a jackass to him so told him to F off :guns  talk to my lawyer :fight

From what I can tell Farmers has all ready accepted liability on the accident so it should be pretty painless as far as a settlement goes.

God is Great, Beer is Good, and People are Crazy......

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Post Icon Posted: Sep. 08 2005,6:08 am Post # 24 see this member send this member a private message  quote this post in reply
Glad to hear the boy is doing good!.. :good Good luck with the insurance people!.. :beat
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Post Icon Posted: Sep. 08 2005,9:01 pm Post # 25 see this member send this member a private message  quote this post in reply
Quote (AZKC @ Sep. 03 2005,7:30 am)
Does it still have that killer sound system :laugh

Is it a 4x4 and what motors is in it?

Oh I can throw that killer sound system in if you'd like...but it currently is not installed...right now it's working with the stock stero system that came with the Jeep :)

As for the 4X4 question...yes it is 4X4 and it's a V8 :)
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