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Smart Shopper Questions About Auto Insurance & Accidents
4422 messages, Last post on Dec 04, 2009 at 6:46 PM
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Replying to: Mr_Shiftright (Aug 11, 2009 8:46 am)  
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Replying to: euphonium (Aug 07, 2009 9:21 am) A guy at work hit my car and was insured by Progressive. I got an estimate from my local body shop for about $1600. Later I was contacted by Progressive's appraiser and they looked at the car and said it would cost $1700+. They also offered me a free loaner. Using the companies preferred shop doesn't always save them money. |
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Replying to: marsha7 (Aug 11, 2009 7:43 am) What about suing the party that hit you for the balance of your loss?
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Replying to: oldfarmer50 (Aug 12, 2009 3:22 am) 
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Replying to: marsha7 (Aug 12, 2009 4:35 am) Also, if you had already been paid a "fair market value" for your vehicle, where is your loss? |
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Replying to: houdini1 (Aug 12, 2009 4:48 am) |
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Replying to: houdini1 (Aug 12, 2009 4:48 am) I've always wondered about that. It hardly seems fair. To use an extreme example, let's say the driver who hit you has minimal property damage coverage (say 10K). He does 20K damage to your car. can the insurance co. give you the 10K and you are not able to go after the insured for the rest? Another example that actually happened. A woman got hit in her door. The appraiser agreed that the damage would cost $1000 to fix. He then told her that he was only going to offer $900 and to "take it or leave it". Are you saying that if she actually had to spend the full $1000 she could not sue the other driver for the remaining $100? |
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Replying to: oldfarmer50 (Aug 12, 2009 9:54 am) In the second example she could take the $900. and sign a waiver...or, if I was in these particular circumstances, I would sue not only for the $100. but also allege bad faith against the ins. co. and maybe make a nice tidy sum. Not to mention that I would suddenly begin to suffer tremendous pain in my lower back with headaches so bad that I could not sleep, etc, etc. They would fork over the $100. so fast you wouldn't believe it !!  Now stop trying to stump the chump by asking these tough insurance questions and get back to baling hay and shucking corn or something !
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Replying to: oldfarmer50 (Aug 12, 2009 9:54 am) |
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Replying to: Mr_Shiftright (Aug 12, 2009 12:32 pm) |
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