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Smart Shopper Questions About Auto Insurance & Accidents
4406 messages, Last post on Oct 17, 2009 at 9:53 AM
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Replying to: euphonium (Jun 12, 2008 4:05 pm) A couple of questions: 1) I've spent quite a bit of time taking time off to go to the body shop, and deal with this matter. can i ask for compensation? 2) i'm still waiting for the at-fault party's insurnace company to get back to me (they're waiting for savage value report.) can I switch to my own insurance company now? will the other insurance company asks me to pay for the rental that they've been providing me?
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on this...you could call Lowes (they won't be happy that their driver was a hit and run) and complain that you are poorly treated by their insurance...that may or may not work... The easiest would be to let Geico to total your car, take your car, and let them go after Lowes, and yes, you will get your deductible back...the drawback I see to this is this: is it truly damaged so badly that GEICO will also total it???...you might be upset if Geico said they could fix it for $4,000, and you will wish you could bring back the "total" from the idiots at Lowes...if there are $10K in damages, so that ANY ins would total it, you're OK with Geico... Check all sources for what your car is reasonably worth...the operative phrase is "reasonably worth"...if it is a Honda Accord, currently in demand with $4.00 per gallon gas, you may get decent value...if you have an Expedition, don't be surprised if Internet values are way too high...here is GA, dealers have signs out front that say right up front "we will NOT take your SUV in trade"...so the Explorer that KBB says is worth $10K may now be worth $4K in the real world, since no one wants a gas guzzler... Sadly, your time going back and forth to the body shop has no compensable value...Lowes should pay for the car rental, but, keep in mind, once you are paid for your total, they really do not have to pay for a rental anymore...sometimes they will for an extra day or so, but don't hold your breath... Be careful what you wish for, you might get it... Send me your name and address, so I can bill you for my time...  ...when's the last time you heard of a cheap lawyer??? Uh, OK, here, and only here, am I a cheap lawyer, but, I gotta tell ya, this pro bono stuff is killing me...   
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Replying to: marsha7 (Jun 12, 2008 5:49 pm) I can hear the anxiety from here.... |
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Replying to: marsha7 (Jun 12, 2008 5:49 pm) My wife says it is a tribute to my level of professionality & so it is with you.
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Replying to: pjuser1 (Jun 12, 2008 4:25 pm) Just curious. Thanks and best of luck.
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Replying to: satire (Jun 17, 2008 11:56 am) |
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Several weeks ago I came here looking for advice on how to fight Farmers Insurance. Based on what I was told here and over at Craigslist.com, I took on Farmers and I won. Briefly I was hit by a red light runner back in April. After three weeks of waiting on Farmers (the insurance company of the lady who hit me) to call, they finally did and said they were totaling my car, taking it and giving me only $6,400 for it. Repair estimate was $9,500. Bluebook on the car was about $6,400. For two weeks I argued with them and they would not budge. The $4,500 I had invested in the car during the month before the accident was of no concern to Farmers. They said that the new tires that were five days old when I was hit didn't add any value whatsoever to the car. On and on it went. I then was advised by a couple of people to sue the lady who hit me. I did that in small claims court. In California the maximum one can get is $7,500. Shortly after the papers were served on the lady Farmers called and offered to settle the claim for $7,500. The legal department of Farmers told me they had no interest in the car and I could keep it. So I didn't get the entire amount that it will take to fix the car but I got $1,100 more than they wanted to give me and I get to keep the car with a clean title. Lesson learned? Sue the idiots. It's the only incentive that will get their attention. Thanks to all for your help and advice.
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Replying to: satire (Jul 29, 2008 5:22 pm) Now, aren't you glad you listened to me, and not the "life is too short" crowd?
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At the end of May, my stepson got married. Daughter in law inherited a '97 Camry with 130K on the odometer from her older brother. To the best of my knowledge, the car was on her parents' insurance policy. They move in together, about 200 miles from where she lived. Two weeks ago, she was hit (details are unclear) by another car. Police report clearly states that the other party was at fault. Damage is to both doors on the drivers side, but car is driveable. We since find out that her parents dropped insurance coverage on her car (date unknown), and the newly married couple haven't yet activated insurance on it. The son's car ('01 Saturn L200) is currently covered on a policy through Progressive. Utah is a no-fault state. They have had contact with the other driver's insurance company (Nationwide?), but there hasn't been any movement on this issue. I've suggested to him that they, at the very least, get an estimate for bodywork on the Camry. Any other thoughts as to how they should proceed with this? I've suggested that he call Nationwide and ask why they haven't sent out an adjuster, but this was before I found the no-fault provisions. If she was driving an uninsured car at the time of the accident, does she have any recourse, even if the other party was indicated to be at fault? EDIT: kbb.com shows this car, in 'fair' condition, to have a private party sale value of just over $3200. What guides do the insurance companies use to determine value, and what percentage is used to figure if the car should be totaled?
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Replying to: michaell (Jul 30, 2008 7:52 am) But, without an insurance company to back her up, they will drag their feet... I wouldn't be surprised if she has to get a lawyer.. A trip to small-claims court, suing the other driver might seem like a good option, if the insurance company isn't forthcoming... (SEE ABOVE...lol) EDIT: The issue of driving without insurance may come up... Don't be surprised if the other insurance company turns her in... or, if she gets cited, once that comes out in small claims court. |
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