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Old 03-04-2010, 09:46 AM   #1
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Angry We need to start an Ins company... they get to seal legally!

SO... Let me get this straight. A girl pulls out in front of me across three lanes of traffic, totals my Jeep, and suddenly her insurance doesn't want to pay... No suprise... happens all the time.

NOW... My insurance company has taken over and is going after her's. Pretty standard deal... well, in the middle of all this the company I have been paying my hard earned money to to protect my ass if anything happens is telling me they will not give me what my Jeep is worth (they claim they are offering me "market value"), on top of that they are going to take my deductable out of what they are going to try to settle with me for.

Something not right about this picture??? I have an accident that WAS NOT my fault, I'm being put thtough the ringers, I've had to take time off to go to the doctor, and I'm still going to owe $1400 on a vehicle I can't even drive anymore? So much for them ******* being "on my side"... WTF?!?!?!

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Old 03-04-2010, 10:03 AM   #2
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Sorry to hear that you are having so much trouble. The only thing I can suggest is in the future, if you are borrowing close to the value of the vehicle, purchase gap insurance. I know that theoretically you aren't supposed to borrow that much to buy anything, but I also know the reality (mine anyway) is that lots of times it just isn't possible. Gap ins. cost $250 thru my CU and if my rides get totalled it pays off the diff between what ins. pays and what I owe.

I think your ins. should pay you wholesale value for the Jeep. IOW, what it would bring at trade in. Kind of a crappy deal if you ask me. I'm not sure about any of this, as I've never totalled a vehicle. Wished they'd have totalled my Charger last winter when the tree limbs fell on it, just so I could be out from under it, but that ain't what happened. If you have a local agent that you deal with (I recommend getting one, if you dont') then call them up and as calmly as you can, get as many particulars as you can, and try to find out your options. Your local person isn't the one making decisions, and they want to keep your business, so they should be willing to assist you to their best ability.

You might see if they can sue her ins for your ded. Idk if it'd work, but if she was at fault, then it only seems right that she should be responsible for your ded......

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Old 03-04-2010, 10:09 AM   #3
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Sorry to hear this. First thing, don't settle or accept any offers! You can negotiate with insurance companies. The should also cover medical costs, above the vehicle cost.

Sometimes a lawyer is worth it.
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Old 03-04-2010, 10:16 AM   #4
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Welcome to the club

I've been totaling vehicles all my life (lucky), so 5 seperate times, I've bought the TOTALED vehicle back from the insurance co. and parted out and either reused my mods/parts or sold parts for a profit (???)

This is just the way the cookie crumbles, you can probably get the jeep back for under $1000 bucks and GO FROM THERE, just can't relicense it, keep the mods/parts/improvements and ---USEEM

Good luck

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P.S. I wrecked a Lotus Esprit, bought it back for $1300 bucks and used the engine/frame/transaxle and built a Pantera-sold for $16,000 bucks 32 years ago !!
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Old 03-04-2010, 10:26 AM   #5
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Thats sucks. Been through it with my Tlr when it was stolen, had gap but the company went insolvent a month after I bought the bike. Did not know till after she was stolen and I had to fork out 2600.00 dollars and then when my wife rear ended someone. The issue with that one is that in the report the lead vehicle said she felt two impacts. So the car in front of her rear ended the car first and then my wife hit the car in front of her. My wife got nailed for at fault. Needless to say we dropped Allstate after a spotless 13 years when they started raising our rates.
Good luck and do not accept any offers till after you contact a lawyer.
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Old 03-04-2010, 03:10 PM   #6
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Sorry to hear this. First thing, don't settle or accept any offers! You can negotiate with insurance companies. The should also cover medical costs, above the vehicle cost.

Sometimes a lawyer is worth it.
Rarely do you have much negotiating room when it comes to property damage. Lawyers won't take a property damage only claim, because there is nothing subjective about them. The value is what it is. They pull those numbers by finding out what similar vehicles sold for. You could request a copy of their valuation report and see if there are any flyers in there. For example, you could see five vehicles on a report, and they all sold for $10, but then one sold for $6k for whatever reason, and it brings the average value down to $9K or $8K. You can request your insurance company remove this flyer, as it doesn't reflect the average selling price.

Also, if you don't agree with the valuation, your policy probably has a clause where you can hire your own appraiser to value your vehicle, and then your appraiser and the insurance company's appraiser will get together and determine what's reasonable. Just know you are bound by whatever they come up with, and the appraiser will come out of your pocket.

Insurance companies will deny for all sorts of reasons. What will happen is it will go to arbitration, and they'll figure it out there. In the meantime, go do whatever you have to do for medical. On minor injury claims, you can almost figure that double the medical bills is what you'll get.
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Old 03-04-2010, 03:17 PM   #7
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What company are you with?
Or are you not supposed to tell (just making sure it won't get you in trouble)
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Old 03-04-2010, 03:53 PM   #8
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sorry to hear this. First thing, don't settle or accept any offers! You can negotiate with insurance companies. The should also cover medical costs, above the vehicle cost.

Sometimes a lawyer is worth it.
qfe

I've had an experience or 5 with insurance companies. Be polite, but show proof that it is worth MORE than they say it is.

They generally will do what they have to to take care of business. But they are looking out for themselves FIRST....so just keep an eye on them.
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Old 03-04-2010, 04:12 PM   #9
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I finally got a copy of their evaluation report and they didn't even have my mileage listed...

It's a 99 with less than 80k on the odo. If that ain't worth the lousy 900 they are shorting me I'm going to have to do some serious soul searching to figure out what I've done wrong in my life.
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Old 03-04-2010, 07:41 PM   #10
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As for the other person, I'd ask a lawyer. Definately get GAP next time. I hope everythig works out for you in the end.
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Old 03-04-2010, 07:48 PM   #11
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I'm dealing with the same crap. Someone ran a red light and T-boned my daughters car with both my kids in it. My insurance is after thiers but I'm not looking for good results and nothing can be better than my kids not being hurt. The car is demolished but my girls didn't have a scratch. I wasn't a big fan of Hyundai's but I have to admit they build a safe car.
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Old 03-04-2010, 08:09 PM   #12
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Rarely do you have much negotiating room when it comes to property damage. Lawyers won't take a property damage only claim, because there is nothing subjective about them. The value is what it is. They pull those numbers by finding out what similar vehicles sold for. You could request a copy of their valuation report and see if there are any flyers in there. For example, you could see five vehicles on a report, and they all sold for $10, but then one sold for $6k for whatever reason, and it brings the average value down to $9K or $8K. You can request your insurance company remove this flyer, as it doesn't reflect the average selling price.

Also, if you don't agree with the valuation, your policy probably has a clause where you can hire your own appraiser to value your vehicle, and then your appraiser and the insurance company's appraiser will get together and determine what's reasonable. Just know you are bound by whatever they come up with, and the appraiser will come out of your pocket.

Insurance companies will deny for all sorts of reasons. What will happen is it will go to arbitration, and they'll figure it out there. In the meantime, go do whatever you have to do for medical. On minor injury claims, you can almost figure that double the medical bills is what you'll get.

hmmm... I can't pin which one of the evildoers you are sir, other than to say it's not the one I used to work for.

Otherwise, Chris is dead on. The one thing that bothers me about the liability decision is that Miss. is a pure comparative negligence state, so if any fault at all can be found with the other driver, you should be able to collect to whatever percentage that person is at fault. Was it a liability or coverage denial? If it's coverage, then you can go directly after the other driver. Just a thought.

As for me, I'd avoid the lawyer. Really, they won't get you any more than you can get yourself if you stay calm and educate yourself. All a personal injury lawyer will do is take 33% of what you would've gotten anyway.
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Old 03-04-2010, 08:44 PM   #13
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qfe

I've had an experience or 5 with insurance companies. Be polite, but show proof that it is worth MORE than they say it is.

They generally will do what they have to to take care of business. But they are looking out for themselves FIRST....so just keep an eye on them.
Pretty much this.
You can negotiate with insurance companies, they will always start with a lowball offer expecting to be negotiated with.
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Old 03-05-2010, 09:00 AM   #14
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I finally got a copy of their evaluation report and they didn't even have my mileage listed...

It's a 99 with less than 80k on the odo. If that ain't worth the lousy 900 they are shorting me I'm going to have to do some serious soul searching to figure out what I've done wrong in my life.
Then they used average mileage, which may or may not be to your benefit. If you've had any sort of major mechanical work done in the last 6 months or so, you can include that as well. It won't add a great deal to it, but depending, it could be enough to cancel out your deductible.

Who is the other insurance company? Is it Farmer's? I hate those f******. They would deny liability if their insured person blew a stop light, hit the President, and there were 10,000 witnesses. Progressive is also pretty bad, but not even close to Farmer's. Progressive usually tends to screw their own customers. I worked with a lot of people who were Progressive transplants. One lady I worked with quit after an insured person they had walked into the office with a shotgun. The other companies I never had too much trouble with. Some companies pay incentives depending on how much money the company saves. It's in an employee's interest to pay the least amount of money at those companies.

By the way, I don't work for an insurance company anymore. I hated that crap.
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Old 03-05-2010, 11:36 AM   #15
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They just called me and after adding the mileage and new tires I had put on it I am no longer going to be in the red once I settle.

Good news on a Friday is always good!!!
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Old 03-05-2010, 12:05 PM   #16
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Great news! Now you can enjoy your weekend!
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Old 03-05-2010, 01:37 PM   #17
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They just called me and after adding the mileage and new tires I had put on it I am no longer going to be in the red once I settle.

Good news on a Friday is always good!!!
Good. Let us know how it all works out.
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Old 03-05-2010, 02:15 PM   #18
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Glad to hear...now negotiate some more and get yourself into the green!!!

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