Question:
MY neighbor backed into my car while i was on vacation. i drive a older car (1995) but it runs great, i got no problems with it. SHe smashed in the left rear (lights, bumper, my trunk wont open). her insurance adjuster says its not worth fixin because the car is so old and will only give me $1500! i cant get another decent car for that!! i paid $2500 for it in the first place! my friend says when they cut the check for $1500 they might try and take car because the insurance company "bought" it in a sense. THIS IS CRAP! i didnt ask that lady to hit my car! what can i do? i just want my car fixed. thats all. PLEASE HELP!
Answers:
My car got rear ended on freeway, should I still be driving it.?
thats not true, they cant take your car.... you are not even obligated to get it fixed if you dont want to.your best option is to take the 1500, and the car, and use them as downpayment on a new car, like a certified volkswagen.
get a repair quote from a body shop and take her to small claims court. some small claims courts have a limit on the amount of money you can sue for so you should find out what that is and go for that amount. She is definitely at fault so she should pay!
What do you do when you wreck your own car and insurance can't pay for it... and your is damaged.?
you have the call on what happens to your car,its not up to the insurance company,tell them you want the car fixed,that simple or you will take them to court.they cant take the car even if they pay the 1500 dollars.I had a small accident today, and right now my insurance company is closed..?
ok..first of all never trust the insurance company..they will lie to you..call the insurance company up and tell them to fix the car or you will sue them..if it happen at your house and you have or your family has home owner's insurance it might cover you car's damages.and they will sue her for the money call a lawyer..and dont cash that check..the insurance company will pay in the end..or sue her ...My car was stolen off of my drive and i have no M.O.T....?
They can't take your car. Your friend is wrong.My car was recently stolen, is there a listing of cars difficult to steal?
You're being given money for "totaling" the car, which means it would cost more to fix it than it's currently worth. (Go to this site http://www.kbb.com to determine the value of your car.)
What is the penalty for driving while under suspension in PA?
Just take the money and fix your car.
Threaten to get legal assistance and to sue both your neighbour and the insurance company.
The bigger a pain you are to them, the more likely that they will fix your car rather than fight with you, just to get rid of you.
What will they test you on for getting a driver's liscense?
Also, be prepared to show them that to replace the vehicle will cost more than they are offering - bring ad's etc.
An employee has to drive her own car to another location to perform a task twice a week.?
call ur innsurance company and explain everything tht happend thy will prolly have an adjuster come n inspect it n tell you.Google NADA and get the real value on your car. You will need the year, model, mileage and condition, fair, avg, or excellent.
Insurance coverage question. Please help!?
Get 3 bids from auto body shops on what it will take to fix it. In writiing and carry them with you to show the auto adjustor from her company.
I was involved in an auto accident. On the traffic report it says he failed to yield to my vehicle.?
Make sure if they pay $1500.00 or the repair amount that the car is still yours.
Call your own insurance company and speak to a claims adjustor about the situation. Find out what they would suggest.
web site for insurance RBC for HOMES & CARS.?
Good Luck.
How long can you receive templates for a vehicle in California?
Don't know what State your in, Most States have an Insurance Commissioner tell this BOZO that you will write a letter to them if he doesn't come across with a better offer, and by the way these insurance people really don't want your car, so after the settlement, offer them $100.00 to buy back your car, then you can take their money and get your car repaired, or buy another car like yours and swap out the good stuff.How do I obtain someone's car insurance information?
Insurance can be very tricky but at the point you are at now the only way you are going to get any results is to call a Lawyer and ask for consultation. Most lawyers will do first visit consultation for free, then when you know all your options proceed but make sure you tell them(insurance co.) you are not settling for $1500.00.Also tell them you will not be turning the auto over to them as you intend to keep the car. They probably will not give you anything until you settle though so expect the wait, you can also go and get quotes from repair shops to see what the cost to fix the car would be on your own that way you can argue if you find a shop that will fix the car for less or close to the $1500.00. I wish I could help you more but I don't have the case in front of me or the reports. Good LuckCar accident on icy road, my insurance expired, what should I do to avoide excessive cost?
Ok, i just couldnt keep my mouth shut on this one... im assuming you are naive so i am trying to be nice here... but literally every single answer so far (besides maybe 1 or 2) is so wrong that i just couldnt let you think they were giving right answers...First, let me clarify... there is NO WAY you are getting any more money then the actual cash value of your vehicle. In the case of yoru car it appears it would cost more to repair the vehicle then replace it... therefore they are totalling your vehicle and giving you actual cash value. you have NO CHOICE in this matter (besides saying you dont want to go through her insurance)
Let me back it clear- NO LAWYER, SMALL CLAIMS COURT, CITY OFFICIAL- will change the fact that your vehicle is totalled and you will be getting actual cash value.
Is International or Out country driving license valid in Illinois ?
Also, of course they will take your car. If they gave you what yoru vehicle is worth PLUS you kept the car- you would be gaining money from being in the accident. INsurance job is to take you to pre-loss condition- not to improve it.
So you can b*tch, complain, whatever all you want.. but insurance does not legally (and wont) budge. They are doing everything correct here... they are attempting to make you in pre-loss condition with no monetary gain or loss.
how do i find the damage report on a 2006 f250 with certificate of destruction title from florida?
First - an insurance company is required to pay either 1 - the cost to fix the car or 2 - the fair market value of the car...whichever is less.I was Just in A Hit and Run 4 car accident! What would be the best action to take?
Given that your car is a 1995, it probably is less expensive to total the car out than fix it. HOWEVER, that doesn't mean you are required to do so.
My question is... if I'm the registered owner of a car, and have no insurance..?
If you get a lawyer, he will probably get the same numbers and then he will take 1/3, leaving you with less. Insurance companies are subject to severe fines and penalties if they try to give you less than the car is worth, and no company is going to risk that.
can i pay for my car licence on line?
The fair market value is based upon what would happen if you tried to sell your car in your market (which is usually approximately 50 miles in all directions). Therefore, you can't go by NADA or Kelly, because those are national averages. Ask the insurance company to see the paperwork on how they are determining the value of your car. Honestly, it is probably accurate at $1500. Then, legally, you are entitled to a rental. See if the insurance company will,rather than give you a rental, give you a cash equivilent - probably $200-$300. Hopefully, those two figures will add up to what it costs to fix the car.
And the insurance company does not take your car. It is yours to retain.
That isn't the way insurance works. They don't give you replacement value, and you are aren't "getting screwed" by their offer. A 1995 vehicle is well over 10 years old, and according to various value listing places, has no value whatsoever. $1,500 is a very generous offer. If they have totaled the car, that is to say if the cost to fix it exceeds the value of the car, they can pay you that amount and then take the car and put it in a scrap yard in the hopes that someone will buy parts off it and thereby mitigate their losses by doing that. I don't know if they will or not, you would have to ask. If you do want your car fixed, I suppose you could convince the insurance to let you keep it and then pay the difference between what they give you and the costs of the repairs. But all they owe you is what your 12 year old car was worth before it was damaged, nothing more.
I'd suggest you quit listening to your friend, and get the right information from insurance. I'm sure your agent would help you with any questions you might have.
Can a co signer on an auto loan refiance without the other co signers signature?
First: you always have the option of not accepting the insurance company's offer and withdrawing your claim.Second: almost every state in the U.S. has a set percentage of the value of the car that is used as a baseline for repair vs total loss. The insurance company is required by STATE LAW to total the car if repair costs exceed this percentage (usually 75 - 90% of market value).
Third: if the insurance company pays you for a total loss they OWN the car. The idiot that is telling you to sue the insurance company doesn't have a clue.
Fourth: sometime sh*t just happens -- I'm certain your neighbor didn't crash into your precious 1995 vehicle on purpose, but it happened. Lawyers, anger and stupid advice won't change anything except to make you broke. If you really think the other company is trying to shaft you then try filing a claim with your own company.
P.S. -- let me add that I have NEVER read so much bad advice on a given subject in my life!
I would like to renew my two wheeler driving licence. I reside in chennai.?
Ok, first of all, with the GEICO claim it sounds like they considered your vehicle a total but paid you to retain it (which is a smaller amount and not the full total loss value). GEICO does not settle total losses without obtaining the vehicle and the title to it- it was definitely a retention. Once that happened you should have obtained a salvage title for the vehicle. Not sure if you did, but in any event, if a total loss is determined your two options are take their offer at the actual cash value and they take the car, or take a lesser or salvage amount and keep the vehicle. They are not responsible for paying you to get it fixed if the cost to repair is more than the actual cash value.who can give me the best rates for car insurance rates in palm bay florida?
Unfortunately, due to age alone, the vehicle was either already a total before the accident, or deemed one with minor damage. You can't force them to pay you more or the same to keep it. It's true that a vehicle that is newer will cost more, but they only have to pay what you could buy another 1995 vehicle for, and not a penny more. Sorry.
Car got stolen in San Diego, had lojack, crossed to tijuana mexico, never found?
I dont know what kind of car but about 80% of value is what they give you,ask for that plus the car, take it from thereMore Questions & Answers ...
This article contents is post by this website user, CarQnA.com doesn't promise its accuracy.
Copyright 2006-2008-2007 CarQnA.com. All Rights Reserved.