Last post on Sep 20, 2013 at 8:25 AM
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#5294 of 5338 Re: Settlement ;Re: Negotiating a settlement with uninsured motorist [houdini1]
Apr 05, 2013 (6:15 am)
Yep, Sales tax, title transfer fees, and the best price she could find on a similar vehicle in excellent condition. She had the pics to verify it's beauty and mint condition.
She was extremely understanding and helpful.
#5295 of 5338 Re: Settlement ;Re: Negotiating a settlement with uninsured motorist [tba2]
by Kirstie@Edmunds HOST
Apr 05, 2013 (6:25 am)
If it was State Farm you dealt with, I've had a couple of similarly good experiences with them settling claims. I'm sure there are other good insurance companies, but their agents & staff (at least the ones I've dealt with) seem to be well-trained.
#5296 of 5338 Re: Settlement ;Re: Negotiating a settlement with uninsured motorist [kirstie_h]
Apr 05, 2013 (10:02 am)
I've had State Farm for years - when my son totaled the '98 Tracker, I never saw a bill for any of the medical treatment. And my daughter was flown to the hospital via helicopter!
After that day, my wife doesn't have any issues with what we pay for insurance.
Glad to hear that you got everything you wanted on your claim.
#5297 of 5338 Self Insurance
Apr 05, 2013 (10:07 am)
Interestingly, if you self-insure in CA you are required to post a $50K bond to fund the self-insurance. That's more than the legal minimums an insurance company gets away with!
Cities are allowed to self insure for $0.00. I know because a La Mesa PD officer rear ended my back bumper and caused $667 in damages with his Harley PD bike.
I told my insurance company to shove it and cover it under "uninsured" since the City didn't have insurance. They told me to pound sand and wait until the city handles the claim.
Actually, to be honest, Mercury was very nice, and covered my deductible (they didn't have to, which is the reason I wanted to invoke the uninsured insurance because then I wouldn't have to pay the deductible while waiting to get reimbursed by the city). They also paid me for the repairs and let me tell the city to reimburse them instead of making me wait for my money.
Apr 05, 2013 (3:26 pm)
Cities can have what is called "sovereign immunity", which means that they are immune from any lawsuits UNLESS THEY ALLOW THEMSELVES TO BE LIABLE...
About 8 years ago I had a situation where a city vehicle collided with my client, causing severe vehicle damage and moderate injuries...it was than that I found out that the City of Atlanta, which had sovereign immunity, did allow themselves to be liable for the damages and injuries, TO THE AMOUNT OF $1,000.00 AND NO MORE...
Hard to believe, but if they had totalled the car and had hospitalized 4 occupants, each, say, with $15,000 worth of hospital bills, the total amount that the city would pay is $1,000.00 per incident...not $1,000.00 per person, $1,000.00 for the entire vehicle and personal injuries...
OTOH, the City of Augusta, GA had an insurance policy of $250K/$500K liability limits...it is up to each municipality to decide what they want their liability to be...
I do not know if Atlanta still has the $1,000.00 limit, but if that isn't an argument for high limits on YOUR Uninsured Motorists, I don't know what is...
#5299 of 5338 Re: andres3 [marsha7]
Apr 10, 2013 (10:56 am)
But my insurance company said the City was not uninsured, that they were self-insured. So it wouldn't matter if you had 1,000 or 1,000,000 dollars worth of uninsured coverage with the city being liable, the insurance company would simply say coverage doesn't apply.
#5300 of 5338 cash option?
May 03, 2013 (5:49 am)
Yesterday while driving up I-65 north, a punk threw an aluminium can out of a school bus
window. It bounced up and hit the front of my 2012 Honda Civic lease. Can left a small scratch. Body shop says $560 to repair properly, but doesn't think Honda leasing would say anything about it. I called the Jefferson County School system and reported bus number, time and place of incident.They say they will check their security cameras, and I am to call back Monday.
I would like to just take the money as compensation, instead of having the bumper pulled off and repainted. Am I allowed to do this? Kentucky.
#5301 of 5338 Re: cash option? [jipster]
May 03, 2013 (8:27 am)
jip, if "proof" shows up on the security camera, you might have a shot. Just try to make some sort of private settlement with the school district/kid without involving the insurance carriers.
Hopefully they will just consider it a nuisance (the claim, not you ) and settle.
#5302 of 5338 Re: cash option? [houdini1]
by Stever@Edmunds HOST
May 03, 2013 (7:47 am)
It varies a lot, but chances are the school district is self-insured.
Of course, the buses may be run by some contracted outfit.
Better go find the can in the ditch so you can get the prints and DNA off it, Jip.
#5303 of 5338 Re: cash option? [jipster]
May 03, 2013 (8:47 am)
That's why the claim draft is payable to the claimant AND the repairer. Doesn't your lease agreement say something about receiving $ that is really designated to go to the owner of the car?