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. |
Tom_T |
Sep 15 2017, 10:45 AM
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#2
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TMI.... Group: Members Posts: 8,318 Joined: 19-March 09 From: Orange, CA Member No.: 10,181 Region Association: Southern California |
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. First of all, you (& they) should be using the Hagerty insurance classic & collector car valuation tool - NOT either KBB nor NADA - which are both BS on anything over 20 years old & especially if collectable. Look up their website, then print out their chart & definitions to use for your battle, along with the Comps you can find. Don't hesitate to threaten or use a lawyer if they still waffle at the Hageerty & Comps values! Also, do not accept them to total it - period. Good Luck! (IMG:style_emoticons/default/beerchug.gif) Tom /////// |
bradtho |
Sep 15 2017, 11:05 AM
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#3
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Member Group: Members Posts: 266 Joined: 22-December 09 From: Seattle, WA Member No.: 11,165 Region Association: None |
First of all, you (& they) should be using the Hagerty insurance classic & collector car valuation tool - NOT either KBB nor NADA - which are both BS on anything over 20 years old & especially if collectable. I was actually surprised to see the NADA values higher than hagerty, so as always, it pays to shop around. |
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