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Smart Shopper Questions About Auto Insurance & Accidents
4410 messages, Last post on Nov 29, 2009 at 5:58 AM
You are in the Smart Shopper Forum. Your Hosts are kirstie_h & tidester
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Anyone know where I can get crash test information on a 1999 Mazda 626 LX V6. The car is a tank and a rearend collision 2 years ago resulted in little damage (about $1K), yet I suffered what I consider significant and prolonged back and neck injuries. I want to be preemptive and provide the insurance company with information that states the vehicle can stand x miles per hour and only suffer this amount of damage but all I can find is information that says if you are in a rear, front or side impact, your likelihood of "serious" injury is x%...not at all what I am looking for. I want to be able to say my car can withstand a rearend collision of x miles per hour and only sustain $1K in damage and that provided medical reports state that rearend collisions of x miles per hour can most definitely result in significant and prolonged (not serious) back/neck pain of the type I have claimed. I hope that all made sense  . Two other quick questions: 1. Do you think it is premature to send this type of information with my initial demand letter...maybe it seems that I am trying too hard to prove that I was injured (which oh by the way, I was). I just know how hard she hit me and even I was incredulous when they said only $1K in damage. I was certain it had to me more. 2. Does anyone have a link to a well-written demand letter example I can reference? I'm afraid I'll get too emotional if I try to write it on my own but I also want to state just how much this injury has impacted my life. I would appreciate any guidance. I've received more useful information from this website than I have from the two lawyers I have consulted about my case.
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Replying to: smoochy (Aug 25, 2006 7:36 am) |
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Replying to: miagarfunckle (Feb 07, 2002 3:53 pm) |
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Hope the experts on this board can help... I have a 2006 BMW 530xiT (wagon) that got caught in a flash flood and sustained extensive water damage. The initial estimate came out to be about $20k including a new engine. I have heard too many horror stories of recurring electrical and mechanical problems after water damage that I want the car totaled. However, due to my car being so new, insurance company is inclined to fix the car. What is the best course of action to convince the insurance company to total the car? Any advice would be much appreciated.
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Replying to: pgill (Aug 28, 2006 11:04 am) you can try to keep talking to your insurance company, but, honestly, its going to be REAL tough to get a company that is in business to make money to pay out $40k to total a car rather than $20k to fix it. |
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Do you know what's the number that insurance companies, specifically AAA, are looking when they ask how many miles a year we drive? This has to do with the premium price. Let me be more clear. If I signed with AAA 1 year ago and had, let's say 15k miles. After 1 year they want to know what's the current mileage reading, so they can figure out the new premium. How much would be a good number to avoid increased premium? Know what I mean? Thanks
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Replying to: skuba (Aug 28, 2006 11:57 am) Um... we don't allow promotion of illegal activities, and insurance fraud (which is what you'd be committing by lying about the mileage) falls under that category.
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Replying to: skuba (Aug 28, 2006 11:57 am) If you falsify your odometer reading what is your plan when you are involved in an accident and the truth is then made known? |
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Replying to: kirstie_h (Aug 28, 2006 12:06 pm) tidester, host
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Replying to: tidester (Aug 28, 2006 1:48 pm) I have 2 cars. I would try to keep it under that mileage if possible.
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