Wrong Place at the Wrong Time
#63
glad you get to keep your truck for awhile longer, also glad you dont have to pay for it. Ive often thought about what I would look for if something should happen to my 98. Most of the time I end up wanting a 12V cummins, or some kind of muscle car or a jeep or newer tacoma. in any case I would have to total my truck, I wouldnt trade if for anything but a good drivable 70's mopar muscle car.
#67
I friend at work told me about his wife's and daughter's car accidents and how they got a diminished value check for the loss of value on their vehicles. I've never been on the receiving end of a wreck until this one, so I don't know about these things. I think I'll call AllState tomorrow and file a claim.
Anyone here have experience with this?
Anyone here have experience with this?
#68
I friend at work told me about his wife's and daughter's car accidents and how they got a diminished value check for the loss of value on their vehicles. I've never been on the receiving end of a wreck until this one, so I don't know about these things. I think I'll call AllState tomorrow and file a claim.
Anyone here have experience with this?
Anyone here have experience with this?
Don't hope for the best. Expect to FIGHT for the value of your humdinger! You probably know, however, the first offer or even the 3rd offer is never close to "substantiated" market value. So get those receipts, vehicle comparisons, blah blah compiled. Low ball is their game.
#69
#70
here was my experience FWIW. My insurance company is USAA.
Vehicle: Nissan standard cab
Sandwiched, full on TACO from rear end. total of 4 vehicles damaged. #1 in front of me, im 2nd, a minivan behind me, then the jerk in a Ford Ranger that did it.
I barely drove away. Radiator was kaboomed. Limped it to gas station to get some water in it. Call for the nearest body shop.
Made my company do their job. They work out the losses with the other *****. Make sure you have the police report, which I think you do. You then do the work to justify the value of your vehicle. Hence reciepts, comparable sales, condition, NADA, etc. My little jobber was obviously totaled. So my job was to show how much I could sell it for in the condition prior to the accident. Taking into consideration your region, metro city, type of driving. High mileage vehicles in the Los Angeles area are a dime a dozen. Therefore, that factor is actually less of a contributor to the value. See where I'm getting at?
Additionally, I posted earlier here about a rental car. That is a legit measure of compensation during the time you are without a vehicle (e.g., going to work, time to shop for another vehicle, etc.).
Every day...call your insurance company for status. Do not talk to other companies or the other drivers, unless its to confirm WRITTEN facts. Things can quickly get...messy.
Just remember your company as all insurance companies...go low.
Edit: DO NOT CASH The check unless you are certain it is a justified value of representation/compensation.
Vehicle: Nissan standard cab
Sandwiched, full on TACO from rear end. total of 4 vehicles damaged. #1 in front of me, im 2nd, a minivan behind me, then the jerk in a Ford Ranger that did it.
I barely drove away. Radiator was kaboomed. Limped it to gas station to get some water in it. Call for the nearest body shop.
Made my company do their job. They work out the losses with the other *****. Make sure you have the police report, which I think you do. You then do the work to justify the value of your vehicle. Hence reciepts, comparable sales, condition, NADA, etc. My little jobber was obviously totaled. So my job was to show how much I could sell it for in the condition prior to the accident. Taking into consideration your region, metro city, type of driving. High mileage vehicles in the Los Angeles area are a dime a dozen. Therefore, that factor is actually less of a contributor to the value. See where I'm getting at?
Additionally, I posted earlier here about a rental car. That is a legit measure of compensation during the time you are without a vehicle (e.g., going to work, time to shop for another vehicle, etc.).
Every day...call your insurance company for status. Do not talk to other companies or the other drivers, unless its to confirm WRITTEN facts. Things can quickly get...messy.
Just remember your company as all insurance companies...go low.
Edit: DO NOT CASH The check unless you are certain it is a justified value of representation/compensation.