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Questions About Auto Insurance & Accidents

4422 messages,  Last post on Dec 04, 2009 at 6:46 PM

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#4034 of 4422 Re: No payment for lost warranty coverage on insurance claim [chuckie68] by Mr_Shiftright HOST Aug 29, 2008 (7:39 am)
Replying to: chuckie68 (Aug 28, 2008 6:42 pm) Well as I said you can pitch your case, you have nothing to lose here. Maybe they will throw in some extra, I have no idea. Replies to this message: dvexpert (Aug 29, 2008 7:50 am) euphonium (Aug 29, 2008 8:07 am) Mr_Shiftright (Aug 29, 2008 9:14 am)
#4035 of 4422 Re: No payment for lost warranty coverage on insurance claim [Mr_Shiftright] by dvexpert Aug 29, 2008 (7:50 am)
Replying to: Mr_Shiftright (Aug 29, 2008 7:39 am) I would be interested in hearing how you think this consumer can be indemnified without payment for the warranty that cannot be purchased or reinstated. Is there no longer an obligation on the part of insurers to make consumers whole? What would you do if you were in charge of this claim? Replies to this message: euphonium (Aug 29, 2008 8:07 am) Mr_Shiftright (Aug 29, 2008 9:14 am)
#4036 of 4422 Re: No payment for lost warranty coverage on insurance claim [dvexpert] by euphonium Aug 29, 2008 (8:07 am)
Replying to: dvexpert (Aug 29, 2008 7:50 am) Tell me how much was paid for the warranty, date paid, and date of expiration & I will pro rate a return premium for the unused balance. If no payment was made, the situation is a non issue.   Upon breaking a mug of beer, how do you measure the value of the foam?
#4037 of 4422 Re: No payment for lost warranty coverage on insurance claim [dvexpert] by Mr_Shiftright HOST Aug 29, 2008 (9:14 am)
Replying to: dvexpert (Aug 29, 2008 7:50 am) I would have to deny the specific claim for compensation of the warranty because there is no receipt for the purchase of a Lifetime Warranty. It's as much a part of the car as the paint.   However, insurance settlements can be somewhat arbitrary and are negotiable. As a claims settlement agent, I would give the consumer top dollar for a top notch car, and scale down accordingly. I'd try to make him whole for what he lost, but not for more than he lost.   Chrysler's "gimmicky" revocation of the Lifetime Warranty isn't my fault as the insurance company, seems to me.
#4038 of 4422 Re: Car premium increase [hilversum] by wlbrown9 Aug 29, 2008 (9:28 am)
Replying to: hilversum (Aug 25, 2008 1:57 pm) Only thing I can think of is that a multi-car discount decreased when insuring 2 cars instead of 3.   But that makes about as much sense and what I found out this week. Allstate insuring 2004 GMC Envoy XL & '00 Trooper, both with full coverage. I'm interested in buying a Saturn Outlook to replace the Trooper. My Allstate folks tell me that if I drop collision and comprehensive on the Trooper and add the Saturn at full coverage, my premium will either stay the same or go up $5-8 a month maximum. Since trade on the Trooper (137K miles) is probably less than $1500, I'm keeping the Trooper for dirty work . I had always assumed the cost to keep the 3rd vehicle even with only liability would be more than I wanted to pay. Replies to this message: euphonium (Aug 30, 2008 3:35 pm) wlbrown9 (Sep 02, 2008 10:40 am)
#4039 of 4422 Re: Car premium increase [wlbrown9] by euphonium Aug 30, 2008 (3:35 pm)
Replying to: wlbrown9 (Aug 29, 2008 9:28 am) It may be more than you wanted to pay, but because in most states, Liability follows the vehicle. When you loan your car, you are also loaning your car insurance.   Just be sure the Liability ID card is is to find in the Glove box. Replies to this message: wlbrown9 (Sep 02, 2008 10:40 am)
#4040 of 4422 Re: Car premium increase [euphonium] by wlbrown9 Sep 02, 2008 (10:40 am)
Replying to: euphonium (Aug 30, 2008 3:35 pm) Yes ot the insurance staying with the vehicle. If your name is on it you are responsible. Family (daughter or son and their spouse) would be about the extent of the vehicle loan. If one of their 2 is in the shop or one of our main vehicles, then the Trooper can fill in. I've decided I will probably drive the Trooper to work maybe 1 day a week...40-45 miles and the golf course on weekends (especially during sweat weather). I've been driving 17K miles a year on the Trooper...if I can put 4-5K miles on the Trooper and keep the Outlook in the 12 or 13K mile range and avoid extra deduction for high mileage, that will make it worthwhile to keep it.
#4041 of 4422 Car accident... by mypoorcar Sep 18, 2008 (8:05 pm)
I was in a car accident recently in my 2006 Toyota Corolla. I was told by the insurance company that it is worth $14,000 and that my damage is $11,800. The other insurance company was convinced that my car was totaled, along with a few other friends that work on cars. I do not feel comfortable driving myself and my 1 year old son in a car that has suffered significant damage. Does anyone have any advice on how I can get the insurance company to total my car or any suggestions about my situation? Thank you!! Replies to this message: Mr_Shiftright (Sep 19, 2008 7:29 am)
#4042 of 4422 by euphonium Sep 19, 2008 (6:55 am)
The other insurance company was convinced that my car was totaled,   What prevents you from dealing with "the other insurance company"? They & you both say "total"..
#4043 of 4422 Re: Car accident... [mypoorcar] by Mr_Shiftright HOST Sep 19, 2008 (7:29 am)
Replying to: mypoorcar (Sep 18, 2008 8:05 pm) You need to re-check these figures with your insurance company. In my opinion, no insurance company in its right mind would actually put $12,000 in repairs into a car with a market value of $14,000. Something must have gotten mixed up in communication here.   Anyway, if you were hit by another party and they were at fault, let the other insurance company total it.

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