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Old December 13th, 2011, 08:17 PM   #1
madscience
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Default Experience with Insurance companies....

So, my wife totaled our merc, and i kept full coverage on it since my grandmother passed it on to me after she passed on. the wife is gonna be down for a few weeks, and in the meantime, i only have one road legal vehicle. how many of you have had a vehicle totaled out on your insuarnace before? how long did you have to wait to get a settlement check? did you take their first offer? a friend of mine who happens to be a lawyer said they would try to mail me a check before they call me, and that if i cash it, it means that i accepted their offer. we had an infant seat in the car at the time, and the state police whoi investigated and responded to the crash said to throw it out because it could have been distressed in the wreck (hairline cracks or some shit like that), so i hope to get some compensation for that as well. any advice? horror stories? happy ending stories?

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Old December 13th, 2011, 08:20 PM   #2
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I don't have much experience but I've never heard of haggling with them over the value (unless it's a custom or some kind of collector car). Was the infant seat occupied? If so I might consider replacing it. If not I probably wouldnt worry about it. I doubt the insurance will cover that.
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Old December 13th, 2011, 08:22 PM   #3
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I have heard that haggling over the value works well, but I have never had to deal with that.
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Old December 13th, 2011, 08:22 PM   #4
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Hope she is OK. Wish you and yours a happy holidays. No idea on the insurance sorry
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Old December 13th, 2011, 08:24 PM   #5
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You will probably have to buy a carseat yourself. Always get rid of any carseats after they have been in any accident.
As for the car know what it books at and be ready to negotiate.
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Old December 13th, 2011, 08:28 PM   #6
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when the adjuster comes to visit, have some chains, zip ties, cattle prod, and a gag ball laying around in clear sight. he'll get the message.
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Old December 13th, 2011, 08:31 PM   #7
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I totaled out my car 3 years ago....AAA came out looked at it and then made an offer less than a week later...I thought it was a fair offer and took it....ended up fixing the car for about 300 bucks less than what I got the check for.....a year ago my girlfriend totaled out her truck....the insurence company gave her an offer that was way low...her dad fought with them and got them up another 2 grand cause it had extras and was an 01 with 50000 miles on it....if you feel they make you a fair offer take it but if you feel its low do some research on similar cars(options and mileage) and show them thats what they are selling for.
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Old December 13th, 2011, 08:34 PM   #8
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Quote:
Originally Posted by deerebowtie View Post
when the adjuster comes to visit, have some chains, zip ties, cattle prod, and a gag ball laying around in clear site. he'll get the message.
lol, i was at work when he looked it over, but we talked on the phone. he said that they don't use kbb, some other system, something about seeing what the dealerships in a 100 mile radius were selling them for, and using auto trader, and some other shit. i just hope to get enough back to buy something decent again. there were some legal issues with the rest of the family when my grandmother passed, and my parents had to pay out like 4300 dollars of their share of the estate to make sure i got the car when all was said and done, then it sat parked in legal limbo for 6 months before i got it i'm actually starting to regret trying to sell it now that it's gone. i never realized how attached i was to the car till i saw it all smashed up.
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Old December 13th, 2011, 08:37 PM   #9
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I totaled a focus, they gave me a really good offer, like 2k more than they were selling for and only a grand less that I paid for it new 2.5 years before, but in my policy it said they had 60 days to write the check, guess what day they sent the check, day 60.
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Old December 13th, 2011, 08:37 PM   #10
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Do the same. Jump on craigslist, autotrader, and dealer websites to see what similar vehicles (same year/model/mileage range) are listed for. Print them out to show the insurance person should they come in with what you think is a low ball offer.
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Old December 13th, 2011, 08:43 PM   #11
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My dad got in an accident with his Saturn aura a couple months ago. The car was rear ended twice and he was pushed into the car in front of him twice. The tow truck driver said it was repairable, but my dad didn't feel comfortable driving it again if it was fixed. He talked with the insurance company back and forth and expressed his feelings of safety if it was repaired. An adjuster looked at the car about 3-4 days after the accident and my dad had a check about 2 weeks after the accident for about 2k more than payoff which helped with a down payment for his new car. We have Citizens insurance as well. I don't think our insurance went up because my dad was not at fault and that was our first claim in a very long time.
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Old December 13th, 2011, 08:45 PM   #12
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my 2002 BMW 330 CI Convertible was hit head-on in July. I too was a bit apprehensive thinking that they were going to totally shaft me due to the age of the car.

they had their appraiser call me to clarify a couple of minor details on the age of the car, the maintenance history. he called me back, indicated that his inspection confirmed how clean of a car it was, that he had to expand his search criteria beyond just Michigan and hinted at that he thought I'd be pleasantly surprised at the evaluation.

while I was not of course happy to even be involved in the process, it was less than two weeks in total between the accident, and having a very large electronic funds transfer into my account - and in fact that evaluation was in the ballpark with what it would have sold for. enough so, that I briefly considered getting a year newer, BMW M3 Convertible with the SMG trans...

honestly, another week of having the rental car at their expense would have afforded some convenience in terms of car shopping for a replacement.

I have citizen's, for both the house, and the cars - and they were similarly good to work with on an home-owner's claim when we had some storm damage a few years ago.
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Old December 13th, 2011, 08:47 PM   #13
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autotrader says that they are going for about 3600 average at the dealerships around here.
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Old December 13th, 2011, 08:50 PM   #14
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btw, i have Farm Burea, always have since i started driving. but lately, i have been considering going to a less expensive insurance company. needless to say, how they handle this will determine if i do or not.
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Old December 13th, 2011, 09:56 PM   #15
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be sure to tell them you had a car seat in it and that you'd like that to be replaced too
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Old December 14th, 2011, 06:05 AM   #16
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When my wife lost her Jeep in a wreck we were very happy with the insurance process. Wreck was Saturday, called the insurance company to place the claim Monday, had her behind the wheel of the replacement vehicle Thursday. We got Blue Book for the Jeep which was both more than we paid and more than we owed, plus they paid is an additional amount to cover the sales tax on the replacement vehicle. So we had no complaints.

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Old December 14th, 2011, 07:18 AM   #17
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99% of insurance claims go well. If you have any trouble or you think something is not going the way it should, send me a PM and I can help you through the process.

I've never heard of a car seat NOT being replaced. In fact, our customers have to turn in the old car seat and we have to destroy it so it cannot be used again. Likely you will have to do the same.

Just remember, claims adjusters are people too---if you treat them like shit and act like an idiot, they will be less likely to go "out of their way" for you. Kill them with kindness. Even on this site I find a direct correlation between complete morons and people that have bad claims experiences.

Also, insurance companies do not pay based on sentimental value--sometimes it's hard for people to get beyond that.
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Old December 14th, 2011, 07:23 AM   #18
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I've always have had good luck with Farm Bureau. Totaled out a S-Jimmy hitting a deer 3 years ago. Had the 2 grandkids in the back seat. They gave me a very good price for the Jimmy and bought two new car seats for the kids. On the car seats they said go buy the ones you want and we'll reimburse you. Went out and bought the best rated seats. No problems.
Ended up buying the Jimmy back, fixing it, and putting $500 in my pocket.
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Old December 14th, 2011, 07:43 AM   #19
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I've only had one vehicle totaled and I did all my research while I was waiting for the adjuster (AAA) to offer me a settlement. I checked to see what similarly equipped models were selling for locally, AutoTrader, eBay, Craigslist, etc... Their first offer was about $2,000 more than I actually paid for the car when I bought it new (it was about a year old when the accident happened) and quite a bit more than what I was going to ask for if I didn't like their offer. Needless to say, I didn't bother haggling.

I wish you the best of luck in your situation and hope the wife recovers quickly.
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Old December 14th, 2011, 07:55 AM   #20
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I wrecked my wife Buick a few months back, State Farm rep called and made an offer it was more than I paid two years and 40,000 mile before. I had a check in a few days. The rep explained that the check will cover sales tax, plate transfer, and the price of the car per NADA spec, I found others cars simular for $2000 less than my check. I would ask about the car seat can't hurt. Also this is a negotiation they are buying the car from you look up numbers on NADA and KBB and have number ready to throw back at them if needed.
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