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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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Replying to: cccompson (Aug 24, 2008 5:46 am) David Williams www.SafeCollisionRepairs.com www.ConsumersGuideToAutoRepair.com
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Replying to: bobsexton (Aug 23, 2008 7:26 pm) The at-fault party's insurance company is there to protect the negligent party from THEIR losses. It is not their job to protect you from your losses. You have no contract with the at-fault party’s insurer. To demand something from them will get you nowhere. The at-fault party’s insurance company will stall, lie, cheat etc - whatever it takes to make you go away and so it can protect its own policyholder from suffering losses. While the at-fault party’s insurer has every obligation to deal fairly with their policyholder – the one they have accepted money from to protect - they have no obligation to you whatsoever. Don’t let that frustrate or discourage you. Even if the negligent party has no insurance they are still obligated to provide restitution to you for the damage they caused. As for the DOI, its job is to protect the financial health and stability of the insurance industry - to see to it that funds are available to cover losses when they are owed. They are ineffective in policing the insurance industry because one can't levy fines and penalties against an entity it is sworn to protect the financial health and stability of. A tort or a wrong has been committed against you. Lawyer and courts are the most effective means of settling these disputes. But again, you will have to sue the party that caused the damage, NOT his or her insurance company. David Williams www.SafeCollisionRepairs.com www.ConsumersGuideToAutoRepair.com |
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Replying to: dvexpert (Aug 24, 2008 8:41 am)
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Replying to: cccompson (Aug 24, 2008 3:36 pm)
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| KBB, NADA, and others are all approximate pricing, and that really depends on local markets...we are simply lucky that our used vehicles have any value at all, because if it was used jewelry, stereos, computers, or furniture, they are rarely worth more than 10-25 cents on the dollar 6 months after you buy them... | |
| Why would your car insurance increase when you remove one car from 3 cars covered on your policy ? | |
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Replying to: hilversum (Aug 25, 2008 1:57 pm) tidester, host SUVs and Smart Shopper |
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Replying to: hilversum (Aug 25, 2008 1:57 pm) |
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Replying to: hilversum (Aug 25, 2008 1:57 pm) 
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Replying to: Mr_Shiftright (Aug 25, 2008 7:00 am) But Used car pricing does not include the LifeTime warranty which is NON-Transferable. So any used car pricing guides would not have this factored in. I found that I can purchase an lifetime extended warranty for $4K, would it be reasonable for them to include that in the settlement?
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Smart Shopper Questions About Auto Insurance & Accidents
