Any car insurance gurus here? A tree fell on my car last night and I'm guessing it may be totaled. How does my insurance company determine actual cash value? Should I hold out for Kelly Blue book retail value?
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This young girl totalled my Blazer. So I'm dealing with her insurance company.
Had a brand new Diehard, nice aftermarket wheels with high dollar tires, and an aftermarket trailer hitch. So i suggested all of that should get some some "consideration".
Adjuster sent me a nice letter, saying none of that added any value to the vehicle.
Well, I'm a go along get along kind of guy and come Saturday me and my dad head for the recovery yard. The operator gives us some flak about how he has to get some permission from the insurance company, i show him my title, and ask him does he want to explain to the police why he is denying me access to my vehicle.
So me and dad pull the battery, put on the original tires with some $5 junkyard tires, and take off the trailer hitch.
Bright and early Monday morning, I get this irate call from the adjuster about how I was committing insurance fraud, he was going to have me arrested, I was going to jail, blah, blah, blah.
I pointed out to him that
(a) it was still my vehicle and I could do anything I wanted with any part of it (the vehicle was paid for).
(b) he hadn't paid me anything so there was no insurance fraud, and best of all,
(c) I had this letter o this really nice stationary with his signature, saying all that stuff had NO value. Thank you very much.
What i knew from dealing with adjusters for years is that all those aftermarket accessories don't show up on the vehicle paperwork. The recovery company skims them off, and kicks money back to the adjuster. That's the primary reason they are so hard nosed about paying out anything for aftermarket stuff.
Hahaha! I LOVE IT!This young girl totalled my Blazer. So I'm dealing with her insurance company.
Had a brand new Diehard, nice aftermarket wheels with high dollar tires, and an aftermarket trailer hitch. So i suggested all of that should get some some "consideration".
Adjuster sent me a nice letter, saying none of that added any value to the vehicle.
Well, I'm a go along get along kind of guy and come Saturday me and my dad head for the recovery yard. The operator gives us some flak about how he has to get some permission from the insurance company, i show him my title, and ask him does he want to explain to the police why he is denying me access to my vehicle.
So me and dad pull the battery, put on the original tires with some $5 junkyard tires, and take off the trailer hitch.
Bright and early Monday morning, I get this irate call from the adjuster about how I was committing insurance fraud, he was going to have me arrested, I was going to jail, blah, blah, blah.
I pointed out to him that
(a) it was still my vehicle and I could do anything I wanted with any part of it (the vehicle was paid for).
(b) he hadn't paid me anything so there was no insurance fraud, and best of all,
(c) I had this letter o this really nice stationary with his signature, saying all that stuff had NO value. Thank you very much.
What i knew from dealing with adjusters for years is that all those aftermarket accessories don't show up on the vehicle paperwork. The recovery company skims them off, and kicks money back to the adjuster. That's the primary reason they are so hard nosed about paying out anything for aftermarket stuff.