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Smart Shopper Questions About Auto Insurance & Accidents
3922 messages, Last post on May 17, 2008 at 2:33 PM
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Replying to: marsha7 (Apr 27, 2008 1:31 pm) You forgot an oil change. 
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| Synthetic or dino?????????????????????? | |
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Replying to: glitter695 (Feb 21, 2008 6:46 am) Drive manual!!!!
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Replying to: blueiedgod (May 01, 2008 5:27 pm) 
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Replying to: thebigal (May 02, 2008 9:45 pm)
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Replying to: euphonium (May 03, 2008 9:18 am) although I do remember my first days of learning to drive a stick on an old Datsun pickup... clutch so worn out you didn't even need to use it except to get into reverse or first.... |
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Am having a difficult time in dealing with Farmers Insurance. I was hit by their insured and they are not acting in good faith. Nor are they offering a reasonable settlement. I've put up a web page that details everything. If anyone has any suggestions or comments, I would love to hear them: www.prine.net/farmers.htm Many thanks.
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Replying to: satire (May 06, 2008 11:12 am) Otherwise, you'll have to sue them and that of course gets very expensive. Insurance law is written against the consumer. If you are seeking fair market value, that's one thing, go for it. If you are seeking "justice", that's pretty hopeless under the current system. It comes down to whether or not this is the hill you wish to die on, or whether you can cut your best deal and move on. If they gave you $10K, you could buy yourself a very tasty 300CE---not YOURS, regrettably, but something similar I think. SEE HERE: '93 Benz 300CE for sale So my advice would be play tough but be realistic in your numbers. The cards are stacked against you anyway, so arbitration might be your only hope. Maybe some appraiser will value it at $15,000, who knows? then the "split" down the middle gets better for you. It's a game, really. The insurance company doesn't CARE if you win or if they lose. It's all about bottom line at the end of the year. Under the present insurance laws, the victim is usually punished. |
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Replying to: satire (May 06, 2008 11:12 am) Items of maintenance do not add to a vehicle's value, they are maintenance not improvements. It is speculation that someday your M/B will be a classic, but you were not t boned in the some day future. The car was damaged before it achieved any superficial status such as collector's car. You are responsible for the storage fees because it is your car and the storage facility can file a mechanics lien on the owner of the vehicle, not anyone else. Because I have a collectible car with collectors plate, you have my empathy, but not much sympathy due to your "know it all" attitude in your communications with farmers. (You lost control of the claim when you insisted on not using the telephone.) That you are an Insurance Broker could mean you are not a Casualty Broker, but just a Life & Health agent. Were I to arbitrate your claim, you'd get exactly what the farmers offer. Asking for $99 a day because you drove an old luxury car is unfair, because it is an expense you did not actually endure. Finally, farmers is looking at your car objectively. No insurance company is out to screw you over, nor are they out there to support your love affair you have with your ride. What does your husband say about the problem? 
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Replying to: euphonium (May 07, 2008 5:51 pm) The legal obligation of the insurance company is to compensate you fairly for the fair market value of your car, period, as it sat 10 seconds before the accident. Injuries are a separate matter and handled in another type of claim--and settled separately as well. As for the storage, future collectibility, etc., that's all going to be thrown out, if you read your insurance policy as you agreed to it. It's all about market value as determined by the supply and demand equation. How many 300CEs are out there and how many people want them, and there's your market price in a nutshell. They buyers ultimately determine market value, not you, not the insurance company. What the owners and insurance companies do is *research* that market, and, as is human nature, try to tilt things each their own way. |
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