[Shotimes] OT/waaaay OT anyone here an insurance adjuster? or have this problem?

Tue, 22 Apr 2003 08:05:17 -0500

I personally don't see the need for a lawyer quite yet. While they can do
some wonderful things, I'd go alone 1st. The problem with a lawyer is that
they will take 1/3rd of the money. Let's say you end up with what is fair
for the car, $7500. You will only get $5000. Would that of beat what you can
do by yourself?

I'd use up all other avenues 1st.

Paul L Fisher
'93 Ford Taurus SHO Crimson Clearcoat ATX 171K Build date 11/18/1992
- K&N Panel filter, Tokico Struts, Eibach Springs, Dynomax cat-back, Holley
190lph fuel pump, FPS rebuilt ATX, 26mm rear sway bar, Performance-Plus
Stainless Steel Y-pipe, '96 brake upgrade, Proportioning valve plugs, Delrin
sub-frame bushings, Amsoil Series 2000 0W-30 oil, Amsoil Synthetic ATF.

SHO Club member http://www.shoclub.com/
Check out my web site http://www.paul-fisher.com/
Amsoil dealer http://www.paul-fisher.com/oil.htm

Get $5 free from Paypal! https://www.paypal.com/refer/pal=P3XEFFBFUFKN6

----- Original Message -----
From: "Ron Nottingham" <nottingham@alltel.net>
To: "John Phillis" <jphillis68@hotmail.com>; <shotimes@autox.team.net>
Sent: Tuesday, April 22, 2003 7:30 AM
Subject: Re: [Shotimes] OT/waaaay OT anyone here an insurance adjuster? or
have this problem?

> John, what the ins co is doing is stalling.  They know that they have all
> the time in the world (OK, 2 years max, at least in GA, may vary by
state),
> and your GF does not.  What they are trying to do is stall, and hope your
GF
> will just give up and settle for what little they want to give.  Hire a
> lawyer, or at least consult one.  The ins co will try every way to get out
> of paying!!  I got hit in the back end, not my fault, but the at fault's
ins
> co tried to make it look my fault.  All I wanted was everything to be
> settled fair, my car replaced, and my doctor bills paid, I was not looking
> for any more $$$$$.  I just wanted everything over quickly, so I could get
> on with my life.  They told me to go to what ever doctors I needed to see
> and have them send the bills directly to the ins co (I had this in
writing).
> They didn't want to give me anything for my car, and rejected ALL doctor's
> bills.  I hired a lawyer, and it took almost 2 years (since the day of the
> accident) before the ins co would come to any agreement.  I cleared a
> sizeable chunk of change, MUCH more than I had wanted originally.
>
> BTW, most "national" ins cos will try everything they can do to please
you,
> but the ones to watch out for are the smaller "regional" ins cos.  They
have
> nothing to lose by stalling the payment, whereas the injured party has the
> most to lose in the deal if they do not settle quickly.  If your GF
wouldn't
> mind driving a cheap car (and can afford a few hundred $$$), get her
> something to putter around in, get back and forth to work, etc.  That way
> she will not be without transportation, and can hold out as long as the
ins
> co can.  Does she also have health ins from work?  If so, use the health
ins
> to go to the doctor, so medical bills will not back up and possibly be
sent
> to collection agencies.  Or at least, pay $5 a month on the bills, so they
> will be kept "current".  Keep every receipt!!  From the $3 for Tylenol to
> the $175 for the good pain killers.  If there is any money spent as a
result
> of this accident, keep the receipt, you may be able to recoup that money.
> Tape everything the ins adjuster says (go buy a cheap tape recorder and
some
> tapes).  Do not talk on the phone about anything to the adjuster, ask to
> talk in his office, or wherever, just talk face to face.  Ask for
everything
> in writing, if possible, if the ins adjuster cannot provide anything in
> writing, take what the adjuster just said with a grain of salt.
>
> It's not "fair", so the best thing you could try to do is find out and
have
> proof of the reason the car originally had a salvage title, and prove that
> that could not have any bearing on the performance or safety of the
vehicle
> (they will use this to try to weasel out of paying any medical!!!).  There
> sounds like allot of legwork involved in this one...  If the ins co
doesn't
> sound like they are trying to cooperate, consult/hire an attorney,
> preferably one that is experienced in this type of accident.
>
> Ron N. - Dalton, GA
> 90 SHO
> 89 325i
> "It takes a man to suffer ignorance and smile"
>
>
> ----- Original Message -----
> From: "John Phillis" <jphillis68@hotmail.com>
> To: <shotimes@autox.team.net>
> Sent: Tuesday, April 22, 2003 12:22 AM
> Subject: [Shotimes] OT/waaaay OT anyone here an insurance adjuster? or
have
> this problem?
>
>
> > I am looking for some opinions as to what to do. Actually, my girlfriend
> is.
> > She was crossing an intersection and someone blew the stoplight coming
the
> > other way and plowed her 1999 Ford Escort ZX2.
> >
> > she is in a lot of pain right now, and very miserable, but what is
really
> > making her miserable and even more upset is the fact that the insurance
> > adjuster of the insurance co of the person who hit her, came to look at
> her
> > car, and found there was almost $6900 damage done to the car, and
possibly
> > more hidden damage. so he filed it as a total loss, and put the
paperwork
> > through CCC Pathways. which turned up her car as being a prior salvage
> > titled car that was reconstructed and retitle. which was not a surprise
to
> > us, as we both knew about the car's history when it was bought.  Now,
the
> > insurance adjuster said, because the car was salvage titled at one time,
> > it's value is gonna be less, and therefore she will not get the same
> amount
> > of money as she would have had it not been prior totalled.
> > Now, the accident report on file does state clearly that the other
driver
> > was at fault and received traffic violations for the incident. So
> therefore,
> > this was not at all the fault of my girl friend, who is now out of a
car,
> > and too broke to afford to get a rental car right now, because the
> insurance
> > co wants her to pay for the rental car and they will reimburse her when
> they
> > settle the property claim. so, the amount of money they are giving her
> > wouldnt' even buy her a 1993 escort with 150K miles on it, let alone the
> > 1999 ZX2 with 44k on it that she had.
> >
> > so how is this fair?
> >
> > how can it be that they give you the value of a reconstructed title car,
> and
> > expect you to go out and find a reconstructed car in about that same
> > condition which is comparable to the one lost in teh accident?
> >
> > how can it be that through no fault of her own, she is now having to
> search
> > through every publication in site to find a car that will last her the 5
> or
> > 6 years that her 99 woudl have, or at least the 60K miles that was left
> > before it rolled 100K. for about $3500.
> > now, how is this fair?
> > how is it that she is staying calm?
> > and finally, does anyone have any insight into this matter that might
ease
> > the pain, or at least explain this?
> >
> > it just doesn't seem fair.
> >
> >
> > (ok my emotional rant is over, but seriously, we need some help)
> >
> >
> >
> >
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