[Shotimes] OT-insurance co saga part II

[Ryan M Dudek]

I must have missed the first half of the story, but I'll give this a shot
anyway...

I used to work for Nationwide.  All I'll say about them being on the side of
their policyholders when it comes to claims issues is that I no longer work
for them.

I don't know what state you are in, but each state can handle their
insurance claims differently with respect to who's insurance company pays
for the damage to your car.

If the company has offered you a settlement that you do not agree with, yes,
you have full rights to decline their offer.  Generally the next step is for
you to provide a counter offer with supporting documentation as to why you
believe your vehicle is worth more than they offer you.  My hint for you in
this area is to check out the SHOclub classifieds.  Wonderful group of
people we are in the SHOclub, but we value our cars quite a bit more than
reasonable at times....  Find the HIGHEST PRICED cars similar in year and
mileage to yours and present them to the company.  At this point, they'll
likely come up with a new number to offer you, hopefully high enough to
satisfy you.  If not, you can then elect to go to arbitration on the matter.
Trouble with that is the arbitrator's decision on the matter is final so you
do run the risk of him siding entirely with the insurance company.

Good luck and let me know if I can be of further assistance.

Ryan Dudek
98 Black


-----Original Message-----
From: shotimes-admin@autox.team.net
[mailto:shotimes-admin@autox.team.net]On Behalf Of John Phillis
Sent: Wednesday, April 23, 2003 7:03 PM
To: shotimes@autox.team.net
Subject: [Shotimes] OT-insurance co saga part II


I didn't get a chance to answer anyone's questions. al fitz I think asked if
about what insurance co and some other questions. basically, here's the low
down.

the ins co is Nationwide (and they are not on my side)
she had no full tort insurance
no comprehensive or collision coverage

basically a stripped down insurance policy.

so, here's the question.

can we refuse their offer?  If they come up with a money figure, can we
refuse it, legally, in hopes of getting a higher offer?

or what?

getting ticked, need a hand.
John




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