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> Subject: Re: Insurance Info...Please Read!!
> Date: Wed, 10 Dec 1997 15:25:15 -0800
> From: fred thomas <vafred@erols.com>
> To: Jay Quinn <jpquinn@cyberramp.net>
> CC: triumphs@auto.team.net
> References: <3.0.3.32.19971210084132.00917de0@cyberramp.net>
>
> Jay Quinn wrote:
> >
> > Well, the Insurance told us the other day that the car IS totaled.
> >
> > >From what I understand from several people on this list, as well as people
> > around where I work, this is a very common practice with Insurance
> > companies. What else , right?
> >
> > It's their job to collect premiums, not give any money out. So when it
> > comes to that time, they keep the purse strings pretty tight.
> >
> > We have armed ourselves with Consumer Reports Used car prices, Newspapers
> > car ads, Dealership quotes, Pace used car reports, and Edmunds.
> >
> > Our policy is full replacement value. That means, what ever our car was
> > worth at the time of theft, is what we get. AND, not to forget to include
> > the TTL figure to be added to what the car was worth, over and above. In
> > theory, we get all the money it will take to buy an exactly copy of the car
> > we had from a dealer, once again.
> >
> > Now having said that, thats the tough part when dealing with insurance
> > companies. They have't met my wife yet. :)
> >
> > We simply won't take anything until they live up to the letter of their
> > policy. Full Replacement Value. We have done an extensive amount of
> > homework on that car. This means we will have a car picked out indenticle
> > to what we had on a lot with it's price tag matching what we had stolen.
> > We have found a couple real close, but we are still looking. Having done
> > that and armed with written documentation of many other used cars prices...
> > They will have to live up to it, or we don't accept.
> >
> > This has been one big pain in the ass.
> >
> > Car insurance has got to be the dirtiest business, just below used car
> > salesman.
> >
> > Q
> >
> > At 09:50 PM 12/9/97 +0100, ctp wrote:
> > >Jay,
> > >
> > >Your insurance company may, and probably will, offer you a ridiculously
> > >low amount of money as if that's your only choice. Don't take it if it's
> > >not right!!
> > >
> > >I had a perfect diesel Rabbit. Straight, excellent paint, 5 speed, AC,
> > >regular dealer service, you could have eaten off the engine. I bought it
> > >from the original owner for the bargain price of $1300. Then, someone
> > >drove into it while it was parked and totalled it.
> > >
> > >My insurance company (State Farm) called me with 'great news'. My claim
> > >person said she talked to her boss and even got me a little more than
> > >normal. I thought, "wow, I can go get another one as nice".
> > >
> > >That's when reality hit. She said, "we can give you $650"...$650?!?!?!
> > >I couldn't even get a rolling chassis from a wrecker for $650!
> > >
> > >I pressed them until they gave me $1300, still too little to get another
> > >Rabbit nearly as nice.
> > >
> > >It wasn't until I had spoken with several other people that I figured it
> > >all out. The insurance companies we trust to take care of us when things
> > >go wrong, will offer us appalingly low offers because most people trust
> > >them and take that first offer. We have to remember that they are only
> > >in business TO MAKE MONEY!! THAT IS IT, PERIOD!!
> > >
> > >Remember also, your agent is often not very connected to your claim
> > >adjuster. If you aren't happy with the offer, tell your agent. Let them
> > >know that you have a lot of choices for your insurance, but you chose
> > >them for a reason. It's your agent's job to get and keep your business,
> > >it's your claim adjusters job to write AS SMALL A CHECK AS POSSIBLE.
> > >Your agent sometimes will call the adjusters office. Mine did, and I got
> > >my money.
> > >
> > >Hope this helps everyone, especially LBC owners,
> > >
> > >Christopher Palmer
> > >
> > >ps - also, ask your agent if they will give you agreed price coverage. A
> > >Spridget Mk2 or 3 tops out in the books at around $5000. When was the
> > >last time you tried to buy a 100 point Spridget for $5000?? I've got
> > >more than that in my Midget, and it's not even close to being showable
> > >yet.
> > >I told my agent I wanted $7500 dollars Coll/Comp, and got it. If it ever
> > >got totalled I know I could replace what I have.
> > >
> > >
> > --
> > Jay Quinn - Business Systems Analyst
> > Personal Email: jpquinn@cyberramp.net
> > Work Email: jay_quinn@bcbstx.com
> > 2 Way Pager Email: 9120238@skytel.com
> > http://www.cyberramp.net/~jpquinn/index.htm
> >
> > 1962 Austin-Healey Sprite MKII HAN6L2874
>
> Jay, it seems you have done your home work correctly to a great deal of
> time and trouble, now what happens when they come in and offer you what
> you want !! It happens. Now are you over estimating the value of your car
> or are you being fair to all concerned !! Now to the USED CAR SALESMAN,
> just where do you think he got that used car to resell ?? FROM A LIEING
> CUSTOMER WHO WAS ONLY INTERESTED IN GETTING RID OF IT. The used car
> salesman did not make that car or ask you come on his lot to buy it.If
> you do not have the knowledge to buy a used car go into the new car show
> room. Sorry about the box i was on and I hope you get the full amount you
> are looking for !!
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