I am not a lawyer, but the defendant's insurance company is a party of
interest, even in a small claims suit. They are not liable to pay any
judgment until they have had their say in court. A responsible judge would
refuse to try the case, unless the insurance company had been properly
notified and had a representative present.

Earle

"Herb Leong" <herb@urusei.net> wrote in message
news:AdednSWNjfH_SYfZRVn-ig@speakeasy.net...
> In article <48020fFhflbdU1@individual.net>,
> Stupendous Man <spam@trap.com> wrote:
> #the tranmission, suspension, engine, brakes, etc and made it a fine car.
It
> #got T-boned in California by a woman who admitted fault, and her
insurance,
> #Farmers, looked in Autotrader and offered $3800. My state licensed
> #independant appraiser evaluated the car at $9100. Farmer's wont
negotiate,
> #so I am suing the driver of the vehicle in small claims in a couple of
weeks
> #for the maximum of $7500. I have much documentation and am confident of
a
> #win. I'll bet she isn't happy with her insurance company now!
> Well, Farmer's is still on the hook for the lawsuit's results up to the
> limit in the coverage. They (and that is ANY CA insurace company) just
> figure that most people will just take the money and STFU. It's their
> response to CA's insurance laws. CA tries to screw the insurance co.s
> and they turn around and try to screw the people they insure. The
> smarter companies pulled out of the CA market ages ago or set up a shell
> company to insulate the main company from CA's laws.
>
> #Bottom line, Check the laws for Montana, Talk to an insurance agent who
is
> #IN Montana, not of a company involved in your son's accident , and check
to
> #see if Montana state code is available online. I would bet that Montanans
> #have better protection from insurance companies than Californians.
> One would hope. CA sucks for a reason.
>
> /herb


*** Free account sponsored by SecureIX.com ***
*** Encrypt your Internet usage with a free VPN account from http://www.SecureIX.com ***

 

To all who responded, many thanks! BTW, I left out the part that there
were no injuries. My son was outside the jeep and had the tow line
ripped out of his hand and the GF was strapped into the passenger
seat. Neither were hurt and all is well with them.

The insurance company has offered a few cents over $6k for it. I
couldn't get any credit for the brand new (< 6 months old) KO's I out
on it and am still having a hard time getting an actual cash value
measure for it. They are sending me their research results and I'm
still working on having something to send back. What a hassle!

Again, thanks to everyone!

As a side note, I use FireFox and I can't seem to get Edmands.com to
list the vehicles in the drop down boxes. I must have something that
is preventing it set up in FF but can't find which setting would stop
that. I turned of the pop up blocker and still no luck. Oh well, back
to the search!

On Thu, 16 Mar 2006 16:18:42 -0500, Scott in Baltimore
<sDcOoNtTtS_PuAnMiMtE_69@yahoo.com> wrote:

>jameslinch@nospam_my_email_cox_.net wrote:
>> My son, a 3rd year student at Montana U. has / had a '97 Cherokee
>> Country with all the bells and whistles. While trying to help someone
>> out of a ditch on an icy snowy road the jeep was smashed by a diesel
>> rig. As you may expect, it was totalled by the insurance company.
>>
>> What should I look for as a fair market price for the jeep? It was in
>> good shape with upgraded rims and a brand new set of BFG KO's, had
>> power everything and the factory tow package, leather seats, etc. as
>> well as a six month old paint job. It had about 106k miles on it.
>>
>> I live in SoCal so I think that is what they are using for the
>> location to set fair market value. I tried looking through the
>> autotrader but there wasn't a really comparable match for about 1200
>> miles from me.
>>
>> Any advice would be greatly appreciated!
>
>http://www.kbb.com/ or a scrap metal dealer.
>
>Sorry about the loss...

 

To all who responded, many thanks! BTW, I left out the part that there
were no injuries. My son was outside the jeep and had the tow line
ripped out of his hand and the GF was strapped into the passenger
seat. Neither were hurt and all is well with them.

The insurance company has offered a few cents over $6k for it. I
couldn't get any credit for the brand new (< 6 months old) KO's I out
on it and am still having a hard time getting an actual cash value
measure for it. They are sending me their research results and I'm
still working on having something to send back. What a hassle!

Again, thanks to everyone!

As a side note, I use FireFox and I can't seem to get Edmands.com to
list the vehicles in the drop down boxes. I must have something that
is preventing it set up in FF but can't find which setting would stop
that. I turned of the pop up blocker and still no luck. Oh well, back
to the search!

On Thu, 16 Mar 2006 16:18:42 -0500, Scott in Baltimore
<sDcOoNtTtS_PuAnMiMtE_69@yahoo.com> wrote:

>jameslinch@nospam_my_email_cox_.net wrote:
>> My son, a 3rd year student at Montana U. has / had a '97 Cherokee
>> Country with all the bells and whistles. While trying to help someone
>> out of a ditch on an icy snowy road the jeep was smashed by a diesel
>> rig. As you may expect, it was totalled by the insurance company.
>>
>> What should I look for as a fair market price for the jeep? It was in
>> good shape with upgraded rims and a brand new set of BFG KO's, had
>> power everything and the factory tow package, leather seats, etc. as
>> well as a six month old paint job. It had about 106k miles on it.
>>
>> I live in SoCal so I think that is what they are using for the
>> location to set fair market value. I tried looking through the
>> autotrader but there wasn't a really comparable match for about 1200
>> miles from me.
>>
>> Any advice would be greatly appreciated!
>
>http://www.kbb.com/ or a scrap metal dealer.
>
>Sorry about the loss...

 

To all who responded, many thanks! BTW, I left out the part that there
were no injuries. My son was outside the jeep and had the tow line
ripped out of his hand and the GF was strapped into the passenger
seat. Neither were hurt and all is well with them.

The insurance company has offered a few cents over $6k for it. I
couldn't get any credit for the brand new (< 6 months old) KO's I out
on it and am still having a hard time getting an actual cash value
measure for it. They are sending me their research results and I'm
still working on having something to send back. What a hassle!

Again, thanks to everyone!

As a side note, I use FireFox and I can't seem to get Edmands.com to
list the vehicles in the drop down boxes. I must have something that
is preventing it set up in FF but can't find which setting would stop
that. I turned of the pop up blocker and still no luck. Oh well, back
to the search!

On Thu, 16 Mar 2006 16:18:42 -0500, Scott in Baltimore
<sDcOoNtTtS_PuAnMiMtE_69@yahoo.com> wrote:

>jameslinch@nospam_my_email_cox_.net wrote:
>> My son, a 3rd year student at Montana U. has / had a '97 Cherokee
>> Country with all the bells and whistles. While trying to help someone
>> out of a ditch on an icy snowy road the jeep was smashed by a diesel
>> rig. As you may expect, it was totalled by the insurance company.
>>
>> What should I look for as a fair market price for the jeep? It was in
>> good shape with upgraded rims and a brand new set of BFG KO's, had
>> power everything and the factory tow package, leather seats, etc. as
>> well as a six month old paint job. It had about 106k miles on it.
>>
>> I live in SoCal so I think that is what they are using for the
>> location to set fair market value. I tried looking through the
>> autotrader but there wasn't a really comparable match for about 1200
>> miles from me.
>>
>> Any advice would be greatly appreciated!
>
>http://www.kbb.com/ or a scrap metal dealer.
>
>Sorry about the loss...

 

To all who responded, many thanks! BTW, I left out the part that there
were no injuries. My son was outside the jeep and had the tow line
ripped out of his hand and the GF was strapped into the passenger
seat. Neither were hurt and all is well with them.

The insurance company has offered a few cents over $6k for it. I
couldn't get any credit for the brand new (< 6 months old) KO's I out
on it and am still having a hard time getting an actual cash value
measure for it. They are sending me their research results and I'm
still working on having something to send back. What a hassle!

Again, thanks to everyone!

As a side note, I use FireFox and I can't seem to get Edmands.com to
list the vehicles in the drop down boxes. I must have something that
is preventing it set up in FF but can't find which setting would stop
that. I turned of the pop up blocker and still no luck. Oh well, back
to the search!

On Thu, 16 Mar 2006 16:18:42 -0500, Scott in Baltimore
<sDcOoNtTtS_PuAnMiMtE_69@yahoo.com> wrote:

>jameslinch@nospam_my_email_cox_.net wrote:
>> My son, a 3rd year student at Montana U. has / had a '97 Cherokee
>> Country with all the bells and whistles. While trying to help someone
>> out of a ditch on an icy snowy road the jeep was smashed by a diesel
>> rig. As you may expect, it was totalled by the insurance company.
>>
>> What should I look for as a fair market price for the jeep? It was in
>> good shape with upgraded rims and a brand new set of BFG KO's, had
>> power everything and the factory tow package, leather seats, etc. as
>> well as a six month old paint job. It had about 106k miles on it.
>>
>> I live in SoCal so I think that is what they are using for the
>> location to set fair market value. I tried looking through the
>> autotrader but there wasn't a really comparable match for about 1200
>> miles from me.
>>
>> Any advice would be greatly appreciated!
>
>http://www.kbb.com/ or a scrap metal dealer.
>
>Sorry about the loss...

 

Price is low considering the condition.

Some of the web sites do not run all options with anything except
Microwost IE

jameslinch@nospam_my_email_cox_.net wrote:
> To all who responded, many thanks! BTW, I left out the part that there
> were no injuries. My son was outside the jeep and had the tow line
> ripped out of his hand and the GF was strapped into the passenger
> seat. Neither were hurt and all is well with them.
>
> The insurance company has offered a few cents over $6k for it. I
> couldn't get any credit for the brand new (< 6 months old) KO's I out
> on it and am still having a hard time getting an actual cash value
> measure for it. They are sending me their research results and I'm
> still working on having something to send back. What a hassle!
>
> Again, thanks to everyone!
>
> As a side note, I use FireFox and I can't seem to get Edmands.com to
> list the vehicles in the drop down boxes. I must have something that
> is preventing it set up in FF but can't find which setting would stop
> that. I turned of the pop up blocker and still no luck. Oh well, back
> to the search!
>
> On Thu, 16 Mar 2006 16:18:42 -0500, Scott in Baltimore
> <sDcOoNtTtS_PuAnMiMtE_69@yahoo.com> wrote:
>
>
>>jameslinch@nospam_my_email_cox_.net wrote:
>>
>>>My son, a 3rd year student at Montana U. has / had a '97 Cherokee
>>>Country with all the bells and whistles. While trying to help someone
>>>out of a ditch on an icy snowy road the jeep was smashed by a diesel
>>>rig. As you may expect, it was totalled by the insurance company.
>>>
>>>What should I look for as a fair market price for the jeep? It was in
>>>good shape with upgraded rims and a brand new set of BFG KO's, had
>>>power everything and the factory tow package, leather seats, etc. as
>>>well as a six month old paint job. It had about 106k miles on it.
>>>
>>>I live in SoCal so I think that is what they are using for the
>>>location to set fair market value. I tried looking through the
>>>autotrader but there wasn't a really comparable match for about 1200
>>>miles from me.
>>>
>>>Any advice would be greatly appreciated!
>>
>>http://www.kbb.com/ or a scrap metal dealer.
>>
>>Sorry about the loss...
>
>

 

Price is low considering the condition.

Some of the web sites do not run all options with anything except
Microwost IE

jameslinch@nospam_my_email_cox_.net wrote:
> To all who responded, many thanks! BTW, I left out the part that there
> were no injuries. My son was outside the jeep and had the tow line
> ripped out of his hand and the GF was strapped into the passenger
> seat. Neither were hurt and all is well with them.
>
> The insurance company has offered a few cents over $6k for it. I
> couldn't get any credit for the brand new (< 6 months old) KO's I out
> on it and am still having a hard time getting an actual cash value
> measure for it. They are sending me their research results and I'm
> still working on having something to send back. What a hassle!
>
> Again, thanks to everyone!
>
> As a side note, I use FireFox and I can't seem to get Edmands.com to
> list the vehicles in the drop down boxes. I must have something that
> is preventing it set up in FF but can't find which setting would stop
> that. I turned of the pop up blocker and still no luck. Oh well, back
> to the search!
>
> On Thu, 16 Mar 2006 16:18:42 -0500, Scott in Baltimore
> <sDcOoNtTtS_PuAnMiMtE_69@yahoo.com> wrote:
>
>
>>jameslinch@nospam_my_email_cox_.net wrote:
>>
>>>My son, a 3rd year student at Montana U. has / had a '97 Cherokee
>>>Country with all the bells and whistles. While trying to help someone
>>>out of a ditch on an icy snowy road the jeep was smashed by a diesel
>>>rig. As you may expect, it was totalled by the insurance company.
>>>
>>>What should I look for as a fair market price for the jeep? It was in
>>>good shape with upgraded rims and a brand new set of BFG KO's, had
>>>power everything and the factory tow package, leather seats, etc. as
>>>well as a six month old paint job. It had about 106k miles on it.
>>>
>>>I live in SoCal so I think that is what they are using for the
>>>location to set fair market value. I tried looking through the
>>>autotrader but there wasn't a really comparable match for about 1200
>>>miles from me.
>>>
>>>Any advice would be greatly appreciated!
>>
>>http://www.kbb.com/ or a scrap metal dealer.
>>
>>Sorry about the loss...
>
>

 

Price is low considering the condition.

Some of the web sites do not run all options with anything except
Microwost IE

jameslinch@nospam_my_email_cox_.net wrote:
> To all who responded, many thanks! BTW, I left out the part that there
> were no injuries. My son was outside the jeep and had the tow line
> ripped out of his hand and the GF was strapped into the passenger
> seat. Neither were hurt and all is well with them.
>
> The insurance company has offered a few cents over $6k for it. I
> couldn't get any credit for the brand new (< 6 months old) KO's I out
> on it and am still having a hard time getting an actual cash value
> measure for it. They are sending me their research results and I'm
> still working on having something to send back. What a hassle!
>
> Again, thanks to everyone!
>
> As a side note, I use FireFox and I can't seem to get Edmands.com to
> list the vehicles in the drop down boxes. I must have something that
> is preventing it set up in FF but can't find which setting would stop
> that. I turned of the pop up blocker and still no luck. Oh well, back
> to the search!
>
> On Thu, 16 Mar 2006 16:18:42 -0500, Scott in Baltimore
> <sDcOoNtTtS_PuAnMiMtE_69@yahoo.com> wrote:
>
>
>>jameslinch@nospam_my_email_cox_.net wrote:
>>
>>>My son, a 3rd year student at Montana U. has / had a '97 Cherokee
>>>Country with all the bells and whistles. While trying to help someone
>>>out of a ditch on an icy snowy road the jeep was smashed by a diesel
>>>rig. As you may expect, it was totalled by the insurance company.
>>>
>>>What should I look for as a fair market price for the jeep? It was in
>>>good shape with upgraded rims and a brand new set of BFG KO's, had
>>>power everything and the factory tow package, leather seats, etc. as
>>>well as a six month old paint job. It had about 106k miles on it.
>>>
>>>I live in SoCal so I think that is what they are using for the
>>>location to set fair market value. I tried looking through the
>>>autotrader but there wasn't a really comparable match for about 1200
>>>miles from me.
>>>
>>>Any advice would be greatly appreciated!
>>
>>http://www.kbb.com/ or a scrap metal dealer.
>>
>>Sorry about the loss...
>
>

 

Price is low considering the condition.

Some of the web sites do not run all options with anything except
Microwost IE

jameslinch@nospam_my_email_cox_.net wrote:
> To all who responded, many thanks! BTW, I left out the part that there
> were no injuries. My son was outside the jeep and had the tow line
> ripped out of his hand and the GF was strapped into the passenger
> seat. Neither were hurt and all is well with them.
>
> The insurance company has offered a few cents over $6k for it. I
> couldn't get any credit for the brand new (< 6 months old) KO's I out
> on it and am still having a hard time getting an actual cash value
> measure for it. They are sending me their research results and I'm
> still working on having something to send back. What a hassle!
>
> Again, thanks to everyone!
>
> As a side note, I use FireFox and I can't seem to get Edmands.com to
> list the vehicles in the drop down boxes. I must have something that
> is preventing it set up in FF but can't find which setting would stop
> that. I turned of the pop up blocker and still no luck. Oh well, back
> to the search!
>
> On Thu, 16 Mar 2006 16:18:42 -0500, Scott in Baltimore
> <sDcOoNtTtS_PuAnMiMtE_69@yahoo.com> wrote:
>
>
>>jameslinch@nospam_my_email_cox_.net wrote:
>>
>>>My son, a 3rd year student at Montana U. has / had a '97 Cherokee
>>>Country with all the bells and whistles. While trying to help someone
>>>out of a ditch on an icy snowy road the jeep was smashed by a diesel
>>>rig. As you may expect, it was totalled by the insurance company.
>>>
>>>What should I look for as a fair market price for the jeep? It was in
>>>good shape with upgraded rims and a brand new set of BFG KO's, had
>>>power everything and the factory tow package, leather seats, etc. as
>>>well as a six month old paint job. It had about 106k miles on it.
>>>
>>>I live in SoCal so I think that is what they are using for the
>>>location to set fair market value. I tried looking through the
>>>autotrader but there wasn't a really comparable match for about 1200
>>>miles from me.
>>>
>>>Any advice would be greatly appreciated!
>>
>>http://www.kbb.com/ or a scrap metal dealer.
>>
>>Sorry about the loss...
>
>

 

I do not doubt that it will cost more than $6k to replace this vehicle, but
the insurance company is in business to make money. They have to go by
their "research results" and what kind of dividend checks their investors
would like to see. A '97 is going on ten years old. It has suffered lots
of depreciation and, on the average, considerable wear and tear.

If you must own a vehicle that is worth, to you, considerably more than an
insurance company will be willing to pay for it, then you need to look real
carefully at how you will replace it, in the unfortunate event of a total
loss. You need to put all those premiums you pay into the formula too. All
of my vehicles are self-insured. You might want to look at the true value
of all those "bells and whistles" too. Heck, it wasn't even a Grand.

Some of you are going to say, "That is OK for you Earle. You are rich. But
we poor slobs have to work for a living. We can't afford to replace
vehicles all the time." Hey, I earned all my money, by working. Sometimes,
the truth hurts. But it's a good kind of hurt, if you accept what it is
trying to teach you.

Earle

"RoyJ" <spamless@microsoft.net> wrote in message
news:ZGmUf.7358$Bj7.4567@newsread2.news.pas.earthl ink.net...
> Price is low considering the condition.
>
> Some of the web sites do not run all options with anything except
> Microwost IE
>
> jameslinch@nospam_my_email_cox_.net wrote:
> > To all who responded, many thanks! BTW, I left out the part that there
> > were no injuries. My son was outside the jeep and had the tow line
> > ripped out of his hand and the GF was strapped into the passenger
> > seat. Neither were hurt and all is well with them.
> >
> > The insurance company has offered a few cents over $6k for it. I
> > couldn't get any credit for the brand new (< 6 months old) KO's I out
> > on it and am still having a hard time getting an actual cash value
> > measure for it. They are sending me their research results and I'm
> > still working on having something to send back. What a hassle!
> >
> > Again, thanks to everyone!
> >
> > As a side note, I use FireFox and I can't seem to get Edmands.com to
> > list the vehicles in the drop down boxes. I must have something that
> > is preventing it set up in FF but can't find which setting would stop
> > that. I turned of the pop up blocker and still no luck. Oh well, back
> > to the search!
> >
> > On Thu, 16 Mar 2006 16:18:42 -0500, Scott in Baltimore
> > <sDcOoNtTtS_PuAnMiMtE_69@yahoo.com> wrote:
> >
> >
> >>jameslinch@nospam_my_email_cox_.net wrote:
> >>
> >>>My son, a 3rd year student at Montana U. has / had a '97 Cherokee
> >>>Country with all the bells and whistles. While trying to help someone
> >>>out of a ditch on an icy snowy road the jeep was smashed by a diesel
> >>>rig. As you may expect, it was totalled by the insurance company.
> >>>
> >>>What should I look for as a fair market price for the jeep? It was in
> >>>good shape with upgraded rims and a brand new set of BFG KO's, had
> >>>power everything and the factory tow package, leather seats, etc. as
> >>>well as a six month old paint job. It had about 106k miles on it.
> >>>
> >>>I live in SoCal so I think that is what they are using for the
> >>>location to set fair market value. I tried looking through the
> >>>autotrader but there wasn't a really comparable match for about 1200
> >>>miles from me.
> >>>
> >>>Any advice would be greatly appreciated!
> >>
> >>http://www.kbb.com/ or a scrap metal dealer.
> >>
> >>Sorry about the loss...
> >
> >