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Smart Shopper Questions About Auto Insurance & Accidents
4410 messages, Last post on Nov 29, 2009 at 5:58 AM
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Replying to: petharia (Nov 15, 2008 11:56 pm) I'm no legal expert but can't you sue the other driver in small claims court to recover any loss above what the insurance pays? If the other party only had $25K in coverage and your car was worth 30K is would seem you would be able to sue for the remaining 5K, for example. If I'm wrong someone let me know. |
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Replying to: petharia (Nov 15, 2008 11:53 pm) Ask your adjuster some more questions on subrogation and how it relates to your specific situation. Once you are paid off, the rental car goes away quickly, if not immediately, so you probably need to do some preliminary car shopping. Hope this helps... |
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Replying to: petharia (Nov 15, 2008 11:56 pm) Since it is your insurer that is instigating the court action I think they should waive your deductible. Just tell him/her that they must be confident that they will win so they will get their money and it would be a extreme hardship for you to come up with the $500. Feel free to tell them that I said so !
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Replying to: houdini1 (Nov 18, 2008 12:57 pm)
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Replying to: euphonium (Nov 18, 2008 7:57 pm) Terms and conditions are amended as follows: The policy holder shall have the right to make an attempt to "sweet talk" any adjuster into a more favorable disposition of any claim whatsoever provided said policy holder uses only talk and does not resort to physical action. Sweet Talk End. Form 101 
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Replying to: houdini1 (Nov 18, 2008 8:18 pm) 
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Replying to: euphonium (Nov 19, 2008 12:36 pm) 
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| well I'm kinda in a shaking situation...I rear-ended car going about 5-10 mph and the dude that i hit has no insurance, we both exchange information and i don't know if I should call my insurance or talk to the guy and work something out...his car is fine, its just that i got a dent in my hood and my front grill is cracked....any advice..i live in california so if i know each state got their own laws...so any advice would help...thanks | |
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About a month ago I had an incident where my 1997 4 runner hydroplaned into a fence. This car, was in mint conditon SR5, the adjuster came out and looked at and gave me approx. 4 grand for the body work. It has a lot of miles at 220,000. But I decided that I would keep it for another year because after I got it back it looked incredible. I had my truck for 3 days after it was detailed and body work done. I was hit on the freeway by someone without a license or to find out later no insurance. For some reason I did not have rental insurance on my car ( find this out 2 weeks after I have been told their insurance company will pay for my rental.). They hit me from behind and flipped my 4 runner several times. It landed sideways on the driver side. Great vehicle saved my life. The insurance company offered me initially 5,000 minus the deductible. I said no, I also put new breaks and new tires on about a month before this accident. I understand that it had miles. But as I said it was mint. They counter offered me with 5,214. 28. Flat not minus the deductible. I feel the car was worth at least 7,000.00 . Am I out of line. I mean a month before the accident they thought it was in great enough shape, miles and all to have the body work done due to hydroplaning. Should I accept this last offer?
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Replying to: jimmydc2 (Nov 20, 2008 11:16 pm) As for your own car, depends on how the dent is and what your deductible is. If the repair is simply banging out a dent and replacing the grille, its probably not worth going through your insurance and risking a rate increase. |
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