[Shotimes] insurance question

[alfitz@alfitz.com]

I certainly agree with Don that you should not 'go down' without a fight,
but I don't agree with getting a lawyer unless there are injuries in this
accident. You can do the same as a lawyer if you don't fold under pressure
and you aren't too impatient.

Al Fitzgerald
alfitz@alfitz.com
----- Original Message -----
From: "Ron Nottingham" <nottingham@alltel.net>
To: <Shotimes@autox.team.net>
Sent: Friday, December 06, 2002 8:59 AM
Subject: Re: [Shotimes] insurance question


> One thing that was not mentioned...  who was at fault on the police
report?
> (if this is a no-fault state, forget what I'm going to say, I do not know
> how the laws in no-fault states work)
>
> First thing, if it was your fault, you have less amunition to work with.
> Have very good, clear pictures showing the condition (hopefully very good
> condition).  And receipts.  And get the company that holds the title
> involved, they may be able to get the ins adjuster to swing your way a
bit.
>
> Now, if the accident wasn't your fault, and you are making a claim against
> the at-fault's ins co, get a lawyer, and have everything Don mentioned.
> They usually take the case based upon a percentage over and above what the
> initial offering was.  When I had my T-Bird Turbocoupe (the at-fault party
> did not have insurance, so I had to sue my ins co), I had a loan on it (it
> was 3.5 years old when I bought it), and I was almost 2 years into a 4
year
> note, so it was still upside down.  I still owed roughly $6k on the car,
the
> ins co adjuster would only go $4k.  I had pictures, receipts, the works,
> still he would not budge.  So, I called up my lawyer...  Within three
weeks,
> I had a check for $10k in my hands (minus my attorney fees).  Paid the
loan
> off, and still had $4k left, used $2k as a down for a new car ('89 Z24)
and
> used the remainder for a vacation :-)
>
> Even if none of this applies to you, contact a lawyer for a "free
> consultation".  Best advice, as they know more about what is going on than

> you will.
>
> Ron N. - Dalton, GA
> 90 SHO
>
> ----- Original Message -----
> From: "Donald Mallinson" <dmall@mwonline.net>
> To: <shotimes-admin@autox.team.net>
> Cc: <Shotimes@autox.team.net>
> Sent: Thursday, December 05, 2002 10:34 PM
> Subject: Re: [Shotimes] insurance question
>
>
> > 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
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