While i was sleeping....

[Johnston]

If you do get it fixed another thing which I didn't know but saw on the news a couple of months ago is you can get money for diminished value. http://www.ehow.com/how_2174034_loss-vehicle-value-following-accident.html

Good luck.

 

[shortbus4x4]

Ouch, how fast was the guy going that hit you? At least you weren't in it at the time. The van will be alot easier to replace or fix than you or your feet/lower legs. Be patient on getting the insurance to do anything. Have a pen and paper handy any time you talk to them and write down names and times. Just remember the insurance company is there to make money, you are just a necessary evil in their pursuit of a profit. I know that sounds kind of cynical but look at some of the insurance companies track record.

 

[nely]

I dunno how fast he was going. But he had similar damage to his tundra. He couldnt drive away either. Well he was able to once i pulled his bumper away from his tire. But then the tow truck came and moved it. The story goes he spent all day at the hospital, him and his wife, both in there lower 70s of age. He fell asleep and hit my van. I was upset but i couldnt really get that mad at the poor guy. And besides its an accident and thats why we have insurance.

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[nely]

$4865 for my van. With a value increase of $960 for the ujoint4x4 kit with parts and labor with 9k in recipts backin it up.

Mother efff
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[dsw4x4]

Yep you will have to fight and argue it for a long time even if they tell you sorry that is the best they can do. I do not know how many times they told my girl friend that. Tell them that is not acceptable because you cannot replace it for that amount. Print off all of the equivelint 4x4 vans you can find for sale and send them to your contact telling them you will settle when you have enough money to replace your van. Good luck

 

[Lumberjack]

Also take the rental car, in fact make it a van because you need it for work or something, keep haggling with them, as the rental bill starts to rack up they will get antsy to get the case closed, it will take time. Had a shop truck take a full frontal hit, we made them supply us with a truck, after 3 weeks of waiting and then 2 weeks in the body shop, the adjuster showed up at the body shop every other day checking on progress to get the rental off their bill.

Also if the adjuster says he is your friend and he is trying to get the best offer for... ask him who he works for and then tell him to go away until he come around with a real offer, keep the rental eating their money, they will want you to settle faster.

Receipts and like comps, make him come up to the number...

God I hate insurance adjusters, remember they are not your friend...

 

[nely]

My insurance adjuster is far from my friend. She says they can only authorize the storage fees till friday. Im taking a rental car wed to tuesday for my vegas trip. But they say they can only authorize it for 5 days.

I also noticed they put my 4x kit and parts as "maintenance" which made it worth way less. I explained that they are misrepresenting the parts on my van. They need to be filed as non-factory options. They are paying me on parts, no labor.

So i wrote her a email back explaining the problems i found with there assement of the value of my van. And i said if we can settle b4 wed they wont need to pay a rental car and ill be happy. So i guess the games have begun.

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[Sheep Shagger]

Don't let them push you into a quick settlement. The longer this is on the books, the worse it is for them and the more impatient they will become to settle it, don't be fooled that their speed / haste is you problem, it's not. As for storage fees that should be their problem not yours (depending on state law I'm sure). Remember the adjuster's bonus is probably made up of how much they don't pay you.

I had a similar situation to yours once, took 2 months to settle because I wasn't happy with the offer, you feel like you are going round in circles, but remember time is on your side. But it went from a first offer or 6k to a final settlement of 14k, so it was worth it in the end.

But it may be worth looking into your state law as to what the insurance company has to do. ie, request that they find an equivalent van to replace yours. (that will be really hard and expensive for them). Storage fees could well be 100% down to them until a settlement is reached, and they are just using this as an excuse to make you settle. But if not maybe tell them to put it back on your driveway / friends place etc etc.

Sounds like this may take some time, so it'll be worth just reading up on what they have to provide in your state.

 

[Brian McVickers]

Why is it your insurance that you are dealing with?
Did I miss something in a post?

I would think that the onis is 100% on the insurance company of the guy who hit your van....

 

[Clark]

I feel your pain. You feel like your going around and round in circles.

 

[Patman]

Speaking from experiance on the other side, the "trick" is to bypass the person you are dealing with once they offer you an unsatisfactory settlement. Talk to their supervisor, and their sup., etc.

It sucks, but the claim rep has no real pull. Eventually a higher up will authorize a more realistic number to make you "go away". The company is there to make a profit, once you "cost" them enough time, it is no longer in their interest to try to lowball you.

If you can get realistic examples of true replacement value for a comparably equipped van (not the cost to build, but retail replacement cost) it may help.

In the end remember you are the customer, and the state insurance commisioner is generally not someone the ins. co wants to deal with.

 

[Ozarker]

I was an insurance agent in a previous life and the company is obligated to act in good faith, they will make an offer, you can turn it down and go to a supervisor as mentioned, but it depends on state laws as to any time to settle, after they make an offer, they can wait til they sell ice cubes in XXLL. To them it's a contingent laibilty but the money is still invested, along with 5,000 other claims that month, that adjuster could care less until you show them the costs. Justify what you are asking for.

If you use the attorney word, they may clam up and say fine. I simply remind them that I am to be fully indemnified for the loss, with a "like kind" vehicle or the cost to replace what was lost, even if that means building one. I just say "you know, I do have other options to be fully indemnified" and tell them to sharpen a pencil and get back with you. Don't get mad and say something, be kind and firm.

You can also tell them of any injury and that you want to wait. They may say they have to settle the personal injury before property damage, not true, they don't have to. That's a way to get you to flip for medical payments until you take the property damage claim. Check on state laws where you are. A call to the insurance commissioner usually won't do much good, IMO. Everyone in the commissioner's office are X-insurance people and they may want to go back to companies when politics dictates. They are really for compliance not so much consumer advocates.

Then, if you don't get what you want, ask an attorney about it in your area. Most of the time you'll get damages, court costs and reasonable attorney fees. :coffeedrink:

 

[nely]

Im located on CA. There laws are usually redicle so maybe itll work in my favor. But i dont even know where to search and find out what the insurance has to cover.

Right now im just playing the game and waiting on them.

I did send a firm email explaing to them the problems with there evaluation and showed where the mistakes where made. So we shall see.

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[nely]

Well they went up to 5200 now

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[INSAYN]

Looks like they are listening....slowly.

I found that it speeds up their motivation if I call at least once or twice a day and remind them that I am still breathing. Simple calls that ask for a particular person (same person each time), and have them go over what has been done so far regarding my claim, and the estimated completion time we can expect to be back to normal. They will never forget me, and work to get me to leave them alone.

Keep your chin up and playing the run around with them. :coffeedrink: