Date: Wed, 5 May 1999 10:12:13 -0700
Reply-To: Mark Mages <wasserbox@YAHOO.COM>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: Mark Mages <wasserbox@YAHOO.COM>
Subject: Re: SCREWED by the ins. co.
Content-Type: text/plain; charset=us-ascii
YUP - insurance companies are in general the slimiest
entities on earth.. Of course they don't want to pay -
you are cutting into their profit margin.
the only tips I can give are be FIRM. figure out what
the car is really worth with options, mileage,
receipts, etc. Figure out what it would cost to
replace your car with one EXACTLY like it. Bring in
classified ads, etc. Quote a higer figure, then
settle for what yours was worth.
Little known - insurance companies WILL adjust their
prices if you explain LOUDLY enough the real value of
your car. Talk to the adjusters manager, that
managers manager, until you eventually get to the
department head. Have them explain why you have been
paying insurance for years, and now they want to give
you nothing. Yelling helps, just make sure you have
the paperwork to back it up.
That;s all the help I can give... my insurance company
is probably the only one I trust... they have yet to
screw me.
--- JordanVw@AOL.COM wrote:
> the other kid's ins. co etsimator came out and
> totalled out my car today..
> has yet to give me a value, but i know i will lose.
>
> their member nearly killed me, and destroyed my car
> of 11 years.....and they
> want to give me nothing.
>
> all that money ive paid in car insurance premiums
> over the years...and i get
> nothing back.
>
> insurance companies are nothing but SCAMS.
> and it doesnt pay to have collision on my car
> because of it's age - my own
> ins co would have totalled it too, and given me
> nothing.
>
> its a lose-lose situation.
>
> the only thing to do, is sue for pain/suffering.
> that is the ONLY way you can get decent
> compensation.
>
> here is a few things i have learned...
>
> GET YOUR CAR APPRAISED!!!!!! now!!! otherwise you
> wont get jack squat for
> it!
> even if its not a classic....if youve put alot of
> time and money into your
> car or van, the insurance company doesnt care. they
> just look in their NADA
> or Redbook (worst quotes), and get the value of the
> car at it's age/mileage.
> they dont use kelly blue book. If you show them
> proof that you had it
> appraised, and its appraised value, then it will
> help you alot...dont wait -
> or you may be in the same situation i am in.
>
> also - keep all reciepts for acessories, and add
> ons, like wheels, stereo
> systems, anything other than general repairs (they
> will not give you anything
> for used parts or general repairs).
> if you have a NEW (key is NEW - not used) engine
> installed, then keep the
> reciepts for that, and that will help you too.
> and....
> never...never...
> NEVER CHOOSE THE LIMITED TORT OPTION!!!!!!!
>
> any other hints for dealing with a**hole insurance
> companies, or your own
> stories, i'd like to hear them....
>
> chris
> '84 audi 5k turbo totalled, was nearly killed,
> myself, and i aint getting
> SQUAT...but i wont go down without a fight!!!!!
>
===
Mark
87 Westfalia Gl
84 Scirocco 8v
http://members.tripod.com/~jehanno
_________________________________________________________
Do You Yahoo!?
Get your free @yahoo.com address at http://mail.yahoo.com
| 
