Date: Tue, 11 Nov 2008 10:19:11 -0800
Reply-To: Matt Drew <t3vanagon@GMAIL.COM>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: Matt Drew <t3vanagon@GMAIL.COM>
Subject: Re: [WetWesties] Re: Only the name changes - the debacles always
ESCALATE
In-Reply-To: <007c01c94424$53f6bb80$0ed61418@homelrmqqm1lky>
Content-Type: text/plain; charset=ISO-8859-1
Wish I'd known about insuring for the appraised value before-hand . . .
Honestly, didn't even know about it until it was too late.
Given that, and the message of this email (and looking back at this entire
experience), people, RUN OUT RIGHT THIS SECOND and have your beloved
vehicles appraised and insured for their TRUE value!
It looks like there's hope for me, coming in the form of a letter on VW
letterhead from the local VW Used manager stating the value that he'd expect
Blackbeard to sell for . . .
But without that, my case is considerably more difficult.
This whole heart-breaking, gut-wrenching situation has been an eye-opener
for me, for sure.
But the bigger picture is that I have learned from it, and I sincerely hope
that others on the list have learned from it as well.
I'm doing everything possible to keep Blackbeard and get him fixed WITHOUT
that nasty salvage designation on the title . . .
Many of you are already wise to the insurance game. Unfortunately I wasn't .
. . until now.
I hope that this experience and the sharing of it has helped educate those
of you who fell under the same category.
So yeah, if you haven't already at least made the arrangements to get your
vans appraised, do yourself the favor.
May cost a little now - but it will cost a LOT more, a little further down
the road.
Keep in mind too, that with each passing year there are fewer and fewer of
us on the road - and fewer and fewer replacement parts available with which
to fix bruises.
All that being said, anyone have a front '90 GL bumper, grille, radiator, or
condenser that they'd be willing to donate to the
just-this-second-conceived-of "Save Blackbeard" repair fund?
I'll pay for shipping. . .
While not expecting any takers, I'm completely serious and would be forever
indebted . . .
Seriously. I'm desperate here, people! :o)
-Drew
'90 GL "Blackbeard", currently in the I.C. ward . . .
On Tue, Nov 11, 2008 at 9:38 AM, william thompson <thecraftedcow@comcast.net
> wrote:
> I purposely left the rest of the thread. Where could it be stored (good
> morning,Larry Chase) in concise language, for every seasoned westy owner to
> have at their fingertips, something that could be referred to every newbie
> who comes on the list between these gut-wrenching, frustration- filled,
> my-pride-and-joy-is-dead, traumatic experiences with an insurance claim?
>
> It seems to me to this should be #1 on the list of things to be shared.
> It's too little,too late to teach someone about reproduction after a
> pregnancy has been announced. Finding out that you don't have what you
> thought you had is right up there with a pregnancy announcement.
>
> "I thought I had" and cash will get you a cup of coffee.
> Short of just sending each new member a small jar of Vaseline with a note
> which says," Welcome to the list, hope you never need this!", How can we be
> having this conversation before hand, rather than at a wake with real
> weeping, wailing and gnashing of teeth?
>
> I witnessed the rape of my best friend when his pristine 95 was struck from
> the rear. He and his wife thought they were covered for replacement cost of
> a similar vehicle. How do we caution people to avoid shortcuts through dark
> alleys and insurance agents? Can we have something with an address which we
> can cite as a reference almost as well as John 3:16?
>
>
> ----- Original Message -----
> From: jimt
> To: wetwesties@yahoogroups.com <wetwesties%40yahoogroups.com>
> Sent: Tuesday, November 11, 2008 12:00 AM
> Subject: Re: [WetWesties] BLACKBREARD - the debacle ESCALATES
>
> back when my van was being evaluated by insurance for whether it was
> going to be a total i was advised of some things under colorado law.
>
> 1. if vehicle was judged a total i could get a review.
> 2. if the review said total there was no further contesting
> 3. i could claim the vehicle (fees involved) and be paid the settlement
> minus the fees.
> 4. state would be advised of the total. title would be voided and i
> would have to surrender plates and remove vehicle from road until i had
> repaired it and submitted it for an inspection to then be granted a new
> title as a salvaged vehicle.
> 5. insurance company would not grant any insurance (other than
> liability) on the retitled vehicle unless an independant appraiser and
> inspection authority did some kind of paperwork. (extremely expensive)
> and policy would be very limited.
>
> whether or not you can contest a vehicle total is up to the states
> insurance laws and the insurance company guidelines. lots of grey areas
> in the insurance side but not on the state side.
>
> rules on retitling the vehicle vary by every state with some being
> notorious for title washing. these loop holes soon to be closed by
> congress with a national mandatory reporting scheme for all insurance
> companies to report totals into. most states do allow a totaled vehicle
> to be put back into service but the procedures vary widely.
>
> in note that in Washington the title says "Rebuilt" rather than salvage
> as in most states.
>
> jimt
>
> Rick Nathan wrote:
> > Matt,
> >
> > My wife is in the insurance business and she tells me that, yes, the
> > adjuster is calling the vehicle a total. They are coming up with this
> > assessment based on the blue book value verses repair costs currently
> > involved. This does NOT mean you will lose the vehicle. You will sign a
> > release paper with the insurance company that allows them to total the
>
> > vehicle and they will send you the money at their value. Then you will
> agree
> > to KEEP the vehicle and not send it to any recycler or whatever. By
> keeping
> > the vehicle you will agree that this vehicle is totaled and you CAN NEVER
> > FILE ANY CLAIM against this vehicle for the remainder of the life of the
> > vehicle. This means that you cannot ever get collision or comprehensive
> > insurance on this vehicle. You can get liability and property damage
> > insurance which is coverage for the 'other' guy if you are in some
> accident.
> >
> >
> >
> > The insurance company has to take the route of going through the agent,
> then
> > the claims adjuster, and the total loss adjuster.
> >
> >
> >
> > My wife is not directly involved with auto insurance but her expertise is
> in
> > large risks accounts like small cities, large companies and their fleets
> of
> > vehicles, and such.
> >
> >
>
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