[Shotimes] insurance question

[Donald Mallinson]

Nancy,

With an insurance company, their first offer is usually 
flexible to some degree.  Just don't sign anything yet.

Get some ammunition....NO not shotgun shells, but information!

Get records of what you paid for the car, any work you did 
on it.  Pictures of it before it was wrecked.

Then research what they are being advertised for, go to 
SHOclub.com to the classfieds, and pull out any ads that are 
on the high side of cars similar to yours.

Then visit the two on-line price guides, kbb.com and edmunds 
.com.  Get pricing from them.  If it is more than the 
insurance company is offering, then use it, if less, then 
forget it.

Then go in and talk to the adjuster or whoever is in charge 
and argue till you turn blue.  Keep it civil, but let them 
know that the car is worth MORE!

Chances are they will pay you for the car, if they mentioned 
it to begin with.

Might be a good idea to read your insurance policy (take an 
aspirin first!) and see if you can make heads or tails of it.

Most times, you can get them to come up some, how much 
depends on how good a case you make.

Oh, and don't tell them you named your car Satan!  ;)

Don Mallinson

V6SHOGirl@aol.com wrote:

> i got into an accident a couple days ago and the estimate i recieved from my 
> insurance company was that my cars repairs exceeded the value of the car. The 
> damages were to the headlights, the hood, and the  Condenser (i thought it 
> was the radiator cause i'm stupid), and maybe more.  I've had different 
> people tell me different things. i know there was one person on this list who 
> helped me with an insurance questiong a long long time ago.  I just want to 
> know what's going to happen now?  My brother thinks that the insurance 
> company is  going to send me a check for the value of the car.  My mothers 
> boyfriend says that the insurance company isnt going to do anything. I still 
> have $5000+ left on my loan, what's going to happen with that? Can i get a 
> second opinion  from a body shop and try and fight it out with the insurance 
> company? Sorry for the 20 million questions but i have NO idea waht's going 
> on right now. Thanks in advance for any answers or suggestions :)
> 
> Nancy
> 1994 Red ATX named Satan