[Shotimes] insurance question
Ron Nottingham
nottingham@alltel.net
Fri, 6 Dec 2002 11:20:08 -0500
A lawyer is a good place to start, with a consultation, since she said that
she has no idea what is going on. Since most lawyers have more experience
with accident cases and dealing with ins cos, they are a big help, and can
give some "idea" about what is going on. The lawyer will let you know if it
is too small for them to handle (or not worth their time), but will give
some good advice. Also, don't call a small "one person" firm for advice,
their time is extremely valuable to them, and they are less likely to give
out advice. Call a larger firm, especially ones with Jr. partners or other
attorneys in their office that are not listed as partners. If you get a
consultation with a young attorney (out of law school for a couple years),
they will talk to you more, and give out more info, as they want to try to
impress (doesn't matter if it is a Partner or someone on the street). And
they also know the value of "word of mouth" advertising (the Partner's names
are usually already known).
Ron N. - Dalton, GA
90 SHO
----- Original Message -----
From: <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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