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epitome1170
05-04-2006, 06:50 PM
So tonight, the insurance company called me and said my car was a total loss (see my previous thread a week ago about my wreck) and that I would get $9600ish for my car. My car was a 2001 Mits. Eclipse GS with around 65000 miles. This seems to be a bit lower than I had expected. They(the lady's insurance, which is who I went through) want me to sign the papers tomorrow to get the finances taken care of. Is there a way I can get more money out of them? Should I sign the papers? Need some advice.

Oh, this is my 100th post... time to shoot for 1000 now

Bwana
05-04-2006, 07:05 PM
NO! An insurance company trying to screw you. Say it ain't so!!

epitome1170
05-04-2006, 07:09 PM
I know, I know... it is to be expected, but I was just wondering on the process and chances I had for additional compensation, such as my driving a few hours every week to see my chiropractor, radar detector, etc.

Any help

Bwana
05-04-2006, 07:33 PM
I know, I know... it is to be expected, but I was just wondering on the process and chances I had for additional compensation, such as my driving a few hours every week to see my chiropractor, radar detector, etc.

Any help
Seriously, if you are having a lot of doubts. Don't sign the papers right now. Go have a short chat with a lawyer and ask him a few questions. Just don't let him suck you in and become a money vortex. You have YEARS before the papers have to be signed, take your time.

Nelson Muntz
05-04-2006, 07:37 PM
Insurance companies are the devil.

epitome1170
05-04-2006, 07:40 PM
Seriously, if you are having a lot of doubts. Don't sign the papers right now. Go have a short chat with a lawyer and ask him a few questions. Just don't let him suck you in and become a money vortex. You have YEARS before the papers have to be signed, take your time.

Ok, but at the same time I want to have it taken care of so I do not have to worry about the car loan I have on the wrecked car.

DMAC
05-04-2006, 07:41 PM
You can deny the offer and see if they offer you more. Get the NADA or Kelley Blue Book on your vehicle and see how their offer matches up to that. You can use it against their offer. Good Luck!

Skip Towne
05-04-2006, 07:42 PM
I wouldn't get a lawyer.......yet. Find a replacement vehicle that is comparable to what you had. Find three of them if you can. Then show them to the aduster and tell him that is what it is going to take for you to sign. If he won't deal, then get a lawyer.

Bwana
05-04-2006, 07:43 PM
Ok, but at the same time I want to have it taken care of so I do not have to worry about the car loan I have on the wrecked car.

I understand, but even a week could make a huge difference in the big picture down the road. If you get in a big hurry, it could and likely will cost you big time.

epitome1170
05-04-2006, 07:45 PM
I wouldn't get a lawyer.......yet. Find a replacement vehicle that is comparable to what you had. Find three of them if you can. Then show them to the aduster and tell him that is what it is going to take for you to sign. If he won't deal, then get a lawyer.

That's helpful.

Any chance I can get compensation for driving to and from the doctor's and the radar detector?

Nelson Muntz
05-04-2006, 07:50 PM
That's helpful.

Any chance I can get compensation for driving to and from the doctor's and the radar detector?

On the radar detector, you're more than likely screwed. I haven't ever heard of an insurance company replacing one or paying for one damaged or stolen.

epitome1170
05-04-2006, 07:51 PM
On the radar detector, you're more than likely screwed. I haven't ever heard of an insurance company replacing one or paying for one damaged or stolen.

That's crap... it is her fault I do not have one anymore

Skip Towne
05-04-2006, 08:00 PM
That's helpful.

Any chance I can get compensation for driving to and from the doctor's and the radar detector?
Yes. And I would threaten to rent a car and present them with the bill if they didn't hurry up and get you back on the road. If they balk, do it.

DMAC
05-04-2006, 08:01 PM
Yes. And I would threaten to rent a car and present them with the bill if they didn't hurry up and get you back on the road. If they balk, do it.ROFL Yeah, $30 a day for 30 days is so frightening!!!

OldTownChief
05-04-2006, 08:02 PM
They should also be paying for you a rental until this is resolved.

epitome1170
05-04-2006, 08:04 PM
They should also be paying for you a rental until this is resolved.

Yeah they have already taken care of me as far as the rental goes. I feel like an old man driving around in an Impala.

DMAC
05-04-2006, 08:04 PM
They should also be paying for you a rental until this is resolved.You have to be paying for rental reimbursement to have that. But if you are, then they will.

Skip Towne
05-04-2006, 08:07 PM
That's crap... it is her fault I do not have one anymore
Homeowners policies pay for weird shit. My daughter left her coat at the gym and it was stolen. The homeowners paid for it.

OldTownChief
05-04-2006, 08:07 PM
You have to be paying for rental reimbursement to have that. But if you are, then they will.

Not if it's the other drivers fault. I understood this to be someones elses fault.

4th and Long
05-04-2006, 08:08 PM
http://img157.imageshack.us/img157/8710/geico3ma.jpg

OldTownChief
05-04-2006, 08:08 PM
http://img157.imageshack.us/img157/8710/geico3ma.jpg


ROFL

Skip Towne
05-04-2006, 08:10 PM
ROFL Yeah, $30 a day for 30 days is so frightening!!!
It's $900 Einstein. And who says it's just for 30 days?

epitome1170
05-04-2006, 08:13 PM
http://img157.imageshack.us/img157/8710/geico3ma.jpg

How did you know that is her carrier?

4th and Long
05-04-2006, 08:17 PM
How did you know that is her carrier?
http://img230.imageshack.us/img230/5525/geico24lq.jpg

DMAC
05-04-2006, 09:12 PM
It's $900 Einstein. And who says it's just for 30 days?Read your policy, you are in for a rude awakening.

OldTownChief
05-04-2006, 09:19 PM
Read your policy, you are in for a rude awakening.

Dude your "policy" doesn't mean squat when you are filing a claim against someone elses policy. The rules change dramaticly.

DMAC
05-04-2006, 09:20 PM
Dude your "policy" doesn't mean squat when you are filing a claim against someone elses policy. The rules change dramaticly.Ahh I see whats going on. I guess I should read the 1st post ENTIRELY. :hmmm:

OldTownChief
05-04-2006, 09:26 PM
Ahh I see whats going on. I guess I should read the 1st post ENTIRELY. :hmmm:

I agree with you that when you file a claim on your own policy they pretty much have you by the balls. In this case they will have to take care of epitome. They'll get their money back from the ol lady.

OldTownChief
05-04-2006, 09:30 PM
They have to pay replacement value for what the car was worth acording to condition and compairable to others in the area. Skips idea of getting quotes is a good one and will show you mean business. Don't sign their first offer.