Date: Thu, 20 Jun 2002 21:21:24 -0700
Reply-To: "Loren A. Busch" <lbusch@IX.NETCOM.COM>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: "Loren A. Busch" <lbusch@IX.NETCOM.COM>
Subject: Re: Battering Ram vs Ford Escort
In-Reply-To: <200206201056.17l6aS3XG3NZFlu0@motown>
Content-Type: text/plain; charset="us-ascii"
I've been through two sessions with the insurance adjuster in the last
seven months, one major, the other minor. First was a total on my
cherry '85 Westy in November-December 2001, and then a wiped out front
bumper and other damage to my new '90 Westy last month (took our a
street sign and climbed a center divider to avoid a guy that cut me
off).
First, my insurance company, on the total, came up with a number that
was to low. I asked to see the comps (comparable sales) that they were
using and found that they (actually the appraisal service they subscribe
to) were only looking at sales of Vanagon's, and then trying to adjust
(add a flat amount) for the camping equipment. I told them no, that
won't work. I showed them comps from the local paper and Autotrader
online. They agreed to go back and try again. I prepared a bunch more
examples for them, but before I could call them, they called me and
upped the settlement offer and admitted that I was right. Their offer
was actually about $1000 above what I had expected to settle for. I
bought the '85 back from them for salvage value ($407) and then re-sold
it for $1400. I kept insisting that I wasn't interested in a cash
settlement, that I wanted them to find a replacement. I had receipts
for EVERYTHING that I had done in the eight years I had owned the '85
and that helped a lot. In my most recent situation, the insurance
company gave me a detailed estimate of the repairs, including some parts
that really didn't need replacing, that included a letter to the repair
shop explaining how to contact the insurance company if there turned out
to be any hidden damage that had been missed. Then they gave me a check
that should cover things quite well. Even though little body damage on
my '90, the total approached $2000. The insurance company, in their own
words, are obligated to get the van back to the condition it was in
before the accident. If repairs exceed replacement cost, that is a
total. AND I WOULD AVOID TAKING A SALVAGE TITLE AT ALL COSTS. Find
comp's for sale, use that as your leverage. Pull out all your receipts
for parts and work, tires, etc. Try to show them the true replacement
value. You can go to an independent appraiser, any you can also talk to
local VW dealers and used lots that specialize in VW and Vanagon's.
BTW, what did they allow for the broken headlight? You're looking at
$300+ a pair for those things.
Good luck
BTW Who are you insured with? I'm with Progressive and am very happy
with the way I have been treated (except for the raise is premiums
because the first wreck with my '85 was my fault).
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