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Smart Shopper Questions About Auto Insurance & Accidents
4422 messages, Last post on Dec 04, 2009 at 6:46 PM
You are in the Smart Shopper Forum. Your Hosts are kirstie_h & tidester
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Replying to: michaell (Sep 11, 2007 1:31 pm) |
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Replying to: michaell (Sep 11, 2007 1:31 pm) |
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Replying to: brownie523 (Sep 11, 2007 8:38 am) Insurance companies always answer these claims in one of three ways. They either accept your report and pay you; OR they may deny your report and say, "Sue us"; OR most often they come back with, "Yeh, we probably owe you something but, holy cow, you're asking for the moon." It's their way of saying, "Let's negotiate." I would have your attorney respond with a series of questions making them explain to you IN WRITING the exact method they used to come up with the figure they offered; what amounts have they paid on previous claims, etc. I'm guessing they grabbed a number out of the air which they cannot justify (especially in light of the fact that they have not seen your car) - one that is very favorable to the insurer. Since they don't like people asking questions they have to answer and they definitely don't like creating paper trails, they might just pay you what you've claimed to go away. Here's a couple of links to my website where you'll find a good deal of information about Diminished Value and Safe Collision Repairs David Williams Diminished Value Expert |
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Replying to: michaell (Sep 11, 2007 1:31 pm) When air conditioning coolant leaks out it evaporates almost immediately so it would be very difficult to tell from just a simple visual examination whether there had been a leak. You would have to measure the internal pressue to determine whether a leak had occurred. Also, a failed air conditioner alone will not make it impossible to drive the vehicle. tidester, host SUVs and Smart Shopper |
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OK, now it's starting to make sense to me. The replacement cost is roughly equivalent to retail value to purchase a similar car .. d'oh! The explanation of the A/C problem also makes sense. I'll give my agent a call today and see what happens. |
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I have one possible answer...when I send a letter of rep, I am representing the client for Bodily Injury only, specifically stating that the insurance may contact the client for PD only...that may the case here... Since MOST PD is fairly cut and dried, if we also represented the client for PD, we would "accept" (heh,heh) a 1/3 fee for their PD damages...this way, the Client has the use of ALL the $$$ from the PD Dept...
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Replying to: marsha7 (Sep 12, 2007 5:59 pm) |
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I bought a used Mazda 6 i-sport this January. There was a small accident in April while reversing my car which caused a dent on the car behind me, though it didn't affect my car at all. However, my insurance premium went up from $690 to $964. My collision coverages have been set at 250 deductible and comprehensive at 500 deductible. I have been with Progressive insurance all this while and am having a hard time paying the cost. I checked my quote with GEICO which is coming over $2000. Please help me and advice if you can. Thanks.
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Replying to: raggarwa (Sep 15, 2007 10:23 pm) For another comparison, Allstate's website lets you get a quick approximate quote in a few minutes without having to put in very much info. Do you have extras on the insurance that you don't really need? Things like "medical payments", towing, rental car? |
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Replying to: raggarwa (Sep 15, 2007 10:23 pm) 
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