fighting allstate over cars value, help me keep my car |
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fighting allstate over cars value, help me keep my car |
bradtho |
Sep 14 2017, 09:28 PM
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#1
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Member Group: Members Posts: 266 Joined: 22-December 09 From: Seattle, WA Member No.: 11,165 Region Association: None |
I got hit recently. the other drivers insurance has accepted full liability (yay!) but now they are trying to declare my car a total loss.
the good news: - they aren't arguing condition, they are categorizing it excellent - we're in the ballpark, they are valuing it at about the amount of the repair estimate, $22k the bad news: - they still want to total it I don't want to allow it to be totaled because if I buy it back and repair it and am hit again I figure it really hurts my value for the next claim (which hopefully never happens, but...). I can find plenty of threads on choosing an insurance provider, but didn't find much on arguing value. So - any tips/help with establishing value for cars that are in excellent shape? - any tips/help for strategy on fighting (and winning) with one of the major insurance providers? I'm looking to collect comps in the $28k+ range (since that's what I need to avoid the total declaration). And yes, I've got the recent $93k car from monterery! I'm also looking into lawyer options, figuring that can't hurt. Not sure how to go about finding a good lawyer to help with an unusual car value. any help appreciated. |
AZBanks |
Sep 14 2017, 09:49 PM
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#2
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Senior Member Group: Members Posts: 1,063 Joined: 7-December 05 From: New River, AZ Member No.: 5,245 Region Association: Southwest Region |
Sorry to hear about your car. It looks like a beauty.
In late 2011 I rebuilt and upgraded the entire drive train in my 86 944 Turbo. I rebuilt, upgraded and/or replaced everything from the air filter to the tail pipe. Less than a month after finishing it, I go rear ended on the freeway. My car ended up being totaled but I didn't really fight them on that, I just wanted a reasonable settlement. So my situation was not exactly like yours but i did the insurance company song and dance. The guy who hit me had nationwide insurance and despite their smarmy commercials, they absolutely NOT on my side. My first advice based on that experience is don't be in a rush. They seemed to want to get me to settle as fast as possible for as little as possible. My second piece of advice is be prepared for them to lie to you about everything. About a month into my experience I got a call from someone in their claims department pushing me to settle soon because the daily storage charges on my car were starting to take a big chunk of the money I would receive when I finally did settle. Our conversation was not pleasant for her because I knew she was lying. I knew that I was not getting charged storage fees because my wrecked car was sitting in MY GARAGE!!! She didn't even seem embarrassed to be caught in a bold faced lie. I waited a long time and when nationwide stopped moving forward, I got my insurance involved through my agent whom I had been dealing with for years for home, auto, business, and life insurance. Knowing my agent and especially his staff was extremely helpful in getting a proper settlement. The final settlement was more than double the original offer and it included me getting the car back. So, take your time, fight for everything you want and bring in your own insurance if you don't get what you want from the other drivers. Best of luck. |
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