Insurance links needed, CA
 

Girlfriend's BMW was wrecked last week. She's ok, but car is pretty bad. I
had just got the car the way i wanted it, it's worth more than bluebook, but
it's time for negotiations to begin. The other driver admitted fault, and
their insurance acepts full liability. They want to total the car.
Anyone have any how-to links for dealing with the insurance companies in
California?
I did this 2 years ago in Washington, but they have better laws.

--
Paul Calman, Hathaway Pines, California

Re: Insurance links needed, CA
 

Paul Calman did pass the time by typing:
> Girlfriend's BMW was wrecked last week. She's ok, but car is pretty bad. I
> had just got the car the way i wanted it, it's worth more than bluebook, but
> it's time for negotiations to begin. The other driver admitted fault, and
> their insurance acepts full liability. They want to total the car.
> Anyone have any how-to links for dealing with the insurance companies in
> California?
> I did this 2 years ago in Washington, but they have better laws.

Tell the insurance company exactly what you want. Lay down the costs of
any add-ons to the vehicle and hopefully you have receipts or quotes to back
it up. Also determine just what "ok" is. Lots of injuries take time to show up.

If the insurance company gives you grief tell them they have options.
1) pay or 2) you get a lawyer. Be prepared to get the lawyer if they
call your bluff.

I dunno squat about CA laws, but that advice has served me well in the past.

Only thing that may be problematic is it's your girlfriends car, not yours
so she has to be the one to take on the insurance company even if your money
is in her car, it's still hers. Wierd thought but if your property was damaged
you could possibly go after the insurace seperatly. (that question is for a
lawyer though)

--
DougW

Re: Insurance links needed, CA
 

Paul Calman did pass the time by typing:
> Girlfriend's BMW was wrecked last week. She's ok, but car is pretty bad. I
> had just got the car the way i wanted it, it's worth more than bluebook, but
> it's time for negotiations to begin. The other driver admitted fault, and
> their insurance acepts full liability. They want to total the car.
> Anyone have any how-to links for dealing with the insurance companies in
> California?
> I did this 2 years ago in Washington, but they have better laws.

Tell the insurance company exactly what you want. Lay down the costs of
any add-ons to the vehicle and hopefully you have receipts or quotes to back
it up. Also determine just what "ok" is. Lots of injuries take time to show up.

If the insurance company gives you grief tell them they have options.
1) pay or 2) you get a lawyer. Be prepared to get the lawyer if they
call your bluff.

I dunno squat about CA laws, but that advice has served me well in the past.

Only thing that may be problematic is it's your girlfriends car, not yours
so she has to be the one to take on the insurance company even if your money
is in her car, it's still hers. Wierd thought but if your property was damaged
you could possibly go after the insurace seperatly. (that question is for a
lawyer though)

--
DougW

Re: Insurance links needed, CA
 

Paul Calman did pass the time by typing:
> Girlfriend's BMW was wrecked last week. She's ok, but car is pretty bad. I
> had just got the car the way i wanted it, it's worth more than bluebook, but
> it's time for negotiations to begin. The other driver admitted fault, and
> their insurance acepts full liability. They want to total the car.
> Anyone have any how-to links for dealing with the insurance companies in
> California?
> I did this 2 years ago in Washington, but they have better laws.

Tell the insurance company exactly what you want. Lay down the costs of
any add-ons to the vehicle and hopefully you have receipts or quotes to back
it up. Also determine just what "ok" is. Lots of injuries take time to show up.

If the insurance company gives you grief tell them they have options.
1) pay or 2) you get a lawyer. Be prepared to get the lawyer if they
call your bluff.

I dunno squat about CA laws, but that advice has served me well in the past.

Only thing that may be problematic is it's your girlfriends car, not yours
so she has to be the one to take on the insurance company even if your money
is in her car, it's still hers. Wierd thought but if your property was damaged
you could possibly go after the insurace seperatly. (that question is for a
lawyer though)

--
DougW

Re: Insurance links needed, CA
 

Paul Calman did pass the time by typing:
> Girlfriend's BMW was wrecked last week. She's ok, but car is pretty bad. I
> had just got the car the way i wanted it, it's worth more than bluebook, but
> it's time for negotiations to begin. The other driver admitted fault, and
> their insurance acepts full liability. They want to total the car.
> Anyone have any how-to links for dealing with the insurance companies in
> California?
> I did this 2 years ago in Washington, but they have better laws.

Tell the insurance company exactly what you want. Lay down the costs of
any add-ons to the vehicle and hopefully you have receipts or quotes to back
it up. Also determine just what "ok" is. Lots of injuries take time to show up.

If the insurance company gives you grief tell them they have options.
1) pay or 2) you get a lawyer. Be prepared to get the lawyer if they
call your bluff.

I dunno squat about CA laws, but that advice has served me well in the past.

Only thing that may be problematic is it's your girlfriends car, not yours
so she has to be the one to take on the insurance company even if your money
is in her car, it's still hers. Wierd thought but if your property was damaged
you could possibly go after the insurace seperatly. (that question is for a
lawyer though)

--
DougW

Re: Insurance links needed, CA
 

Hi Paul,
Good luck! They'll tell you, you should have a establish that price
before hand. A completely different situation, but involves the total
worth of a car is a friend's stolen '79 El Camino was paid off with the
receipts he had for the LT-1 and Turbo 400, exactly, no labor, no
nothing, by Farmers. I hope you saved all receipts as I do.
God Bless America, ßill O|||||||O
mailto:-------------------- http://www.----------.com/

Paul Calman wrote:
>
> Girlfriend's BMW was wrecked last week. She's ok, but car is pretty bad. I
> had just got the car the way i wanted it, it's worth more than bluebook, but
> it's time for negotiations to begin. The other driver admitted fault, and
> their insurance acepts full liability. They want to total the car.
> Anyone have any how-to links for dealing with the insurance companies in
> California?
> I did this 2 years ago in Washington, but they have better laws.
>
> --
> Paul Calman, Hathaway Pines, California

Re: Insurance links needed, CA
 

Hi Paul,
Good luck! They'll tell you, you should have a establish that price
before hand. A completely different situation, but involves the total
worth of a car is a friend's stolen '79 El Camino was paid off with the
receipts he had for the LT-1 and Turbo 400, exactly, no labor, no
nothing, by Farmers. I hope you saved all receipts as I do.
God Bless America, ßill O|||||||O
mailto:-------------------- http://www.----------.com/

Paul Calman wrote:
>
> Girlfriend's BMW was wrecked last week. She's ok, but car is pretty bad. I
> had just got the car the way i wanted it, it's worth more than bluebook, but
> it's time for negotiations to begin. The other driver admitted fault, and
> their insurance acepts full liability. They want to total the car.
> Anyone have any how-to links for dealing with the insurance companies in
> California?
> I did this 2 years ago in Washington, but they have better laws.
>
> --
> Paul Calman, Hathaway Pines, California

Re: Insurance links needed, CA
 

Hi Paul,
Good luck! They'll tell you, you should have a establish that price
before hand. A completely different situation, but involves the total
worth of a car is a friend's stolen '79 El Camino was paid off with the
receipts he had for the LT-1 and Turbo 400, exactly, no labor, no
nothing, by Farmers. I hope you saved all receipts as I do.
God Bless America, ßill O|||||||O
mailto:-------------------- http://www.----------.com/

Paul Calman wrote:
>
> Girlfriend's BMW was wrecked last week. She's ok, but car is pretty bad. I
> had just got the car the way i wanted it, it's worth more than bluebook, but
> it's time for negotiations to begin. The other driver admitted fault, and
> their insurance acepts full liability. They want to total the car.
> Anyone have any how-to links for dealing with the insurance companies in
> California?
> I did this 2 years ago in Washington, but they have better laws.
>
> --
> Paul Calman, Hathaway Pines, California

Re: Insurance links needed, CA
 

Hi Paul,
Good luck! They'll tell you, you should have a establish that price
before hand. A completely different situation, but involves the total
worth of a car is a friend's stolen '79 El Camino was paid off with the
receipts he had for the LT-1 and Turbo 400, exactly, no labor, no
nothing, by Farmers. I hope you saved all receipts as I do.
God Bless America, ßill O|||||||O
mailto:-------------------- http://www.----------.com/

Paul Calman wrote:
>
> Girlfriend's BMW was wrecked last week. She's ok, but car is pretty bad. I
> had just got the car the way i wanted it, it's worth more than bluebook, but
> it's time for negotiations to begin. The other driver admitted fault, and
> their insurance acepts full liability. They want to total the car.
> Anyone have any how-to links for dealing with the insurance companies in
> California?
> I did this 2 years ago in Washington, but they have better laws.
>
> --
> Paul Calman, Hathaway Pines, California

Re: Insurance links needed, CA
 

I recently had to do this with a contractor at my place of business...in the
course of his work, he damaged our roof, and we didn't know it until the
next rainfall...caused over $6,000 in damages and cleanup costs. His
insurance company was trying to negotiate with us in paying a fraction of
the costs, even though they agreed the contractor was completely at fault.
So we had our insurance agent call their insurance company, told them if
they continued to bargain in bad faith they would open themselves up to a
major lawsuit under Michigan insurance fraud statutes...and we got payment
in full the next day.

Not that this has anything to do with auto insurance, but it might help to
get your girlfriend's insurance company involved, before you need a lawyer.

"DougW" <post.replies@invalid.address> wrote in message
news:SNSqc.56164$Z%5.16367@okepread01...
> Paul Calman did pass the time by typing:
> > Girlfriend's BMW was wrecked last week. She's ok, but car is pretty bad.
I
> > had just got the car the way i wanted it, it's worth more than bluebook,
but
> > it's time for negotiations to begin. The other driver admitted fault,
and
> > their insurance acepts full liability. They want to total the car.
> > Anyone have any how-to links for dealing with the insurance companies in
> > California?
> > I did this 2 years ago in Washington, but they have better laws.
>
> Tell the insurance company exactly what you want. Lay down the costs of
> any add-ons to the vehicle and hopefully you have receipts or quotes to
back
> it up. Also determine just what "ok" is. Lots of injuries take time to
show up.
>
> If the insurance company gives you grief tell them they have options.
> 1) pay or 2) you get a lawyer. Be prepared to get the lawyer if they
> call your bluff.
>
> I dunno squat about CA laws, but that advice has served me well in the
past.
>
> Only thing that may be problematic is it's your girlfriends car, not yours
> so she has to be the one to take on the insurance company even if your
money
> is in her car, it's still hers. Wierd thought but if your property was
damaged
> you could possibly go after the insurace seperatly. (that question is for
a
> lawyer though)
>
> --
> DougW
>
>