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

Tue, 22 Apr 2003 09:05:52 -0500

I may be able to give you some advice on this. I deal with insurance
companies every day. Couple of questions, what state are you in and what is
the name of the insurance company you're dealing with?

Al Fitzgerald
alfitz@alfitz.com

>
> ----- 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)
> > >
> > >
> > >
> > >
> > > _________________________________________________________________
> > > Add photos to your e-mail with MSN 8. Get 2 months FREE*.
> > > http://join.msn.com/?page=features/featuredemail
> > > _______________________________________________
> > > Shotimes mailing list
> > > Shotimes@autox.team.net
> > > http://www.team.net/mailman/listinfo/shotimes
> > _______________________________________________
> > Shotimes mailing list
> > Shotimes@autox.team.net
> > http://www.team.net/mailman/listinfo/shotimes
>
>
> ---
> Outgoing mail is certified Virus Free.
> Checked by AVG anti-virus system (http://www.grisoft.com).
> Version: 6.0.474 / Virus Database: 272 - Release Date: 4/18/2003
> _______________________________________________
> Shotimes mailing list
> Shotimes@autox.team.net
> http://www.team.net/mailman/listinfo/shotimes