OT: Insurance Advice
 

Figured I'd tap the Great Fountain of Knowledge I've always found here at
RAMJ+W for this one.

2 weeks ago my car, a '97 Subaru, got pummeled by hail here in Colorado.
Luckily, the Rigg was under cover getting some work done, phew. The car is
still very drivable, just looks a little like a red golf ball. My insurance
totaled it. CCC Valuescope, a third party appraisal company, determined the
"fair (HA!) market value" and came up short IMHO. Ol' #7 has one with many
more miles on his lot for $2500 more than my InsCo wants to give me. I want
the car as it'll run for another 10yrs/100k easy, it's paid for, has under
60k, and *was* in great shape. So now my InsCo wants THIRTY-FIVE PERCENT
off the top as a salvage deductible!

Now, CCC has a great standing with InsCo's, but not with the public.
Class-action lawsuits, etc.

In my eyes, I'm gettin' SKREWED!
Can anyone offer me any realistic ideas to get them to loosen the old purse
strings??
We're only talking about near a grand, but that'll buy a lot of parts for
the Rigg.

TIA
Shamus

Re: Insurance Advice
 

Shamus in CO did pass the time by typing:
> Figured I'd tap the Great Fountain of Knowledge I've always found here at
> RAMJ+W for this one.

Fountain, yes. Knowledge, well only if most knowledge is brown, yes. :)

Kelly bluebook, private sales price. But you have to figure in mileage
and options.

> Now, CCC has a great standing with InsCo's, but not with the public.
> Class-action lawsuits, etc.

Dunno. Never dealt with them.

> In my eyes, I'm gettin' SKREWED!

Insurance companies are not in the business of paying claims.

> Can anyone offer me any realistic ideas to get them to loosen the old purse
> strings??

Apart from a lawyer (that would cost more than 1K probably). I'd do my diligence
and check prices for similar makes online. eBay, etc. If you can come up
with convincing data then press the insurance company to meet you on price.

If you have house insurance or other insurance with that company let them know
you are considering switching due to this. Insurance companies don't like to
loose clients.

The other option is get a plate that says GOLFBALL and leave the dents in there. :)

--
rbg

Re: Insurance Advice
 

Shamus in CO did pass the time by typing:
> Figured I'd tap the Great Fountain of Knowledge I've always found here at
> RAMJ+W for this one.

Fountain, yes. Knowledge, well only if most knowledge is brown, yes. :)

Kelly bluebook, private sales price. But you have to figure in mileage
and options.

> Now, CCC has a great standing with InsCo's, but not with the public.
> Class-action lawsuits, etc.

Dunno. Never dealt with them.

> In my eyes, I'm gettin' SKREWED!

Insurance companies are not in the business of paying claims.

> Can anyone offer me any realistic ideas to get them to loosen the old purse
> strings??

Apart from a lawyer (that would cost more than 1K probably). I'd do my diligence
and check prices for similar makes online. eBay, etc. If you can come up
with convincing data then press the insurance company to meet you on price.

If you have house insurance or other insurance with that company let them know
you are considering switching due to this. Insurance companies don't like to
loose clients.

The other option is get a plate that says GOLFBALL and leave the dents in there. :)

--
rbg

Re: Insurance Advice
 

Shamus in CO did pass the time by typing:
> Figured I'd tap the Great Fountain of Knowledge I've always found here at
> RAMJ+W for this one.

Fountain, yes. Knowledge, well only if most knowledge is brown, yes. :)

Kelly bluebook, private sales price. But you have to figure in mileage
and options.

> Now, CCC has a great standing with InsCo's, but not with the public.
> Class-action lawsuits, etc.

Dunno. Never dealt with them.

> In my eyes, I'm gettin' SKREWED!

Insurance companies are not in the business of paying claims.

> Can anyone offer me any realistic ideas to get them to loosen the old purse
> strings??

Apart from a lawyer (that would cost more than 1K probably). I'd do my diligence
and check prices for similar makes online. eBay, etc. If you can come up
with convincing data then press the insurance company to meet you on price.

If you have house insurance or other insurance with that company let them know
you are considering switching due to this. Insurance companies don't like to
loose clients.

The other option is get a plate that says GOLFBALL and leave the dents in there. :)

--
rbg

Re: Insurance Advice
 

Shamus in CO did pass the time by typing:
> Figured I'd tap the Great Fountain of Knowledge I've always found here at
> RAMJ+W for this one.

Fountain, yes. Knowledge, well only if most knowledge is brown, yes. :)

Kelly bluebook, private sales price. But you have to figure in mileage
and options.

> Now, CCC has a great standing with InsCo's, but not with the public.
> Class-action lawsuits, etc.

Dunno. Never dealt with them.

> In my eyes, I'm gettin' SKREWED!

Insurance companies are not in the business of paying claims.

> Can anyone offer me any realistic ideas to get them to loosen the old purse
> strings??

Apart from a lawyer (that would cost more than 1K probably). I'd do my diligence
and check prices for similar makes online. eBay, etc. If you can come up
with convincing data then press the insurance company to meet you on price.

If you have house insurance or other insurance with that company let them know
you are considering switching due to this. Insurance companies don't like to
loose clients.

The other option is get a plate that says GOLFBALL and leave the dents in there. :)

--
rbg

Re: OT: Insurance Advice
 

So you can get the write off and buy it back for 35%?

That sounds pretty normal.

You can have a third party appraisal done. It has to be a certified
company that the insurance companies trust. That costs about 50 bucks
around here and is worth it in lots of cases.

That $2500 difference is the difference between wholesale and retail in
the (one) book, the replacement is wholesale or 'market' value in the
insurance company's book....

Other than that mention the taxes, you have to pay them again for a new
vehicle so are entitled to them on the old one. Seriously, it is legit
and they know it, they just don't offer it unless asked.

Mike
86/00 CJ7 Laredo, 33x9.5 BFG Muds, 'glass nose to tail in '00
88 Cherokee 235 BFG AT's

Shamus in CO wrote:
>
> Figured I'd tap the Great Fountain of Knowledge I've always found here at
> RAMJ+W for this one.
>
> 2 weeks ago my car, a '97 Subaru, got pummeled by hail here in Colorado.
> Luckily, the Rigg was under cover getting some work done, phew. The car is
> still very drivable, just looks a little like a red golf ball. My insurance
> totaled it. CCC Valuescope, a third party appraisal company, determined the
> "fair (HA!) market value" and came up short IMHO. Ol' #7 has one with many
> more miles on his lot for $2500 more than my InsCo wants to give me. I want
> the car as it'll run for another 10yrs/100k easy, it's paid for, has under
> 60k, and *was* in great shape. So now my InsCo wants THIRTY-FIVE PERCENT
> off the top as a salvage deductible!
>
> Now, CCC has a great standing with InsCo's, but not with the public.
> Class-action lawsuits, etc.
>
> In my eyes, I'm gettin' SKREWED!
> Can anyone offer me any realistic ideas to get them to loosen the old purse
> strings??
> We're only talking about near a grand, but that'll buy a lot of parts for
> the Rigg.
>
> TIA
> Shamus

Re: OT: Insurance Advice
 

So you can get the write off and buy it back for 35%?

That sounds pretty normal.

You can have a third party appraisal done. It has to be a certified
company that the insurance companies trust. That costs about 50 bucks
around here and is worth it in lots of cases.

That $2500 difference is the difference between wholesale and retail in
the (one) book, the replacement is wholesale or 'market' value in the
insurance company's book....

Other than that mention the taxes, you have to pay them again for a new
vehicle so are entitled to them on the old one. Seriously, it is legit
and they know it, they just don't offer it unless asked.

Mike
86/00 CJ7 Laredo, 33x9.5 BFG Muds, 'glass nose to tail in '00
88 Cherokee 235 BFG AT's

Shamus in CO wrote:
>
> Figured I'd tap the Great Fountain of Knowledge I've always found here at
> RAMJ+W for this one.
>
> 2 weeks ago my car, a '97 Subaru, got pummeled by hail here in Colorado.
> Luckily, the Rigg was under cover getting some work done, phew. The car is
> still very drivable, just looks a little like a red golf ball. My insurance
> totaled it. CCC Valuescope, a third party appraisal company, determined the
> "fair (HA!) market value" and came up short IMHO. Ol' #7 has one with many
> more miles on his lot for $2500 more than my InsCo wants to give me. I want
> the car as it'll run for another 10yrs/100k easy, it's paid for, has under
> 60k, and *was* in great shape. So now my InsCo wants THIRTY-FIVE PERCENT
> off the top as a salvage deductible!
>
> Now, CCC has a great standing with InsCo's, but not with the public.
> Class-action lawsuits, etc.
>
> In my eyes, I'm gettin' SKREWED!
> Can anyone offer me any realistic ideas to get them to loosen the old purse
> strings??
> We're only talking about near a grand, but that'll buy a lot of parts for
> the Rigg.
>
> TIA
> Shamus

Re: OT: Insurance Advice
 

So you can get the write off and buy it back for 35%?

That sounds pretty normal.

You can have a third party appraisal done. It has to be a certified
company that the insurance companies trust. That costs about 50 bucks
around here and is worth it in lots of cases.

That $2500 difference is the difference between wholesale and retail in
the (one) book, the replacement is wholesale or 'market' value in the
insurance company's book....

Other than that mention the taxes, you have to pay them again for a new
vehicle so are entitled to them on the old one. Seriously, it is legit
and they know it, they just don't offer it unless asked.

Mike
86/00 CJ7 Laredo, 33x9.5 BFG Muds, 'glass nose to tail in '00
88 Cherokee 235 BFG AT's

Shamus in CO wrote:
>
> Figured I'd tap the Great Fountain of Knowledge I've always found here at
> RAMJ+W for this one.
>
> 2 weeks ago my car, a '97 Subaru, got pummeled by hail here in Colorado.
> Luckily, the Rigg was under cover getting some work done, phew. The car is
> still very drivable, just looks a little like a red golf ball. My insurance
> totaled it. CCC Valuescope, a third party appraisal company, determined the
> "fair (HA!) market value" and came up short IMHO. Ol' #7 has one with many
> more miles on his lot for $2500 more than my InsCo wants to give me. I want
> the car as it'll run for another 10yrs/100k easy, it's paid for, has under
> 60k, and *was* in great shape. So now my InsCo wants THIRTY-FIVE PERCENT
> off the top as a salvage deductible!
>
> Now, CCC has a great standing with InsCo's, but not with the public.
> Class-action lawsuits, etc.
>
> In my eyes, I'm gettin' SKREWED!
> Can anyone offer me any realistic ideas to get them to loosen the old purse
> strings??
> We're only talking about near a grand, but that'll buy a lot of parts for
> the Rigg.
>
> TIA
> Shamus

Re: OT: Insurance Advice
 

So you can get the write off and buy it back for 35%?

That sounds pretty normal.

You can have a third party appraisal done. It has to be a certified
company that the insurance companies trust. That costs about 50 bucks
around here and is worth it in lots of cases.

That $2500 difference is the difference between wholesale and retail in
the (one) book, the replacement is wholesale or 'market' value in the
insurance company's book....

Other than that mention the taxes, you have to pay them again for a new
vehicle so are entitled to them on the old one. Seriously, it is legit
and they know it, they just don't offer it unless asked.

Mike
86/00 CJ7 Laredo, 33x9.5 BFG Muds, 'glass nose to tail in '00
88 Cherokee 235 BFG AT's

Shamus in CO wrote:
>
> Figured I'd tap the Great Fountain of Knowledge I've always found here at
> RAMJ+W for this one.
>
> 2 weeks ago my car, a '97 Subaru, got pummeled by hail here in Colorado.
> Luckily, the Rigg was under cover getting some work done, phew. The car is
> still very drivable, just looks a little like a red golf ball. My insurance
> totaled it. CCC Valuescope, a third party appraisal company, determined the
> "fair (HA!) market value" and came up short IMHO. Ol' #7 has one with many
> more miles on his lot for $2500 more than my InsCo wants to give me. I want
> the car as it'll run for another 10yrs/100k easy, it's paid for, has under
> 60k, and *was* in great shape. So now my InsCo wants THIRTY-FIVE PERCENT
> off the top as a salvage deductible!
>
> Now, CCC has a great standing with InsCo's, but not with the public.
> Class-action lawsuits, etc.
>
> In my eyes, I'm gettin' SKREWED!
> Can anyone offer me any realistic ideas to get them to loosen the old purse
> strings??
> We're only talking about near a grand, but that'll buy a lot of parts for
> the Rigg.
>
> TIA
> Shamus

Re: OT: Insurance Advice
 

Must have got lucky with my Alfa - bought it back for 250 quid. That really
pissed the insurer's garage off; they had started dismantling parts in
anticipation, and I demanded them all located and put back. Got the car
repaired properly for less than the writeoff payout, got it inspected and
certified by a government inspector, reinsured with the same insurer, and
ran it for a good few years afterwards !


Dave Milne, Scotland
'91 Grand Wagoneer, '99 TJ
"Mike Romain" <romainm@sympatico.ca> wrote in message
news:40DA1778.456AC904@sympatico.ca...
> So you can get the write off and buy it back for 35%?
>
> That sounds pretty normal.
>
> You can have a third party appraisal done. It has to be a certified
> company that the insurance companies trust. That costs about 50 bucks
> around here and is worth it in lots of cases.
>
> That $2500 difference is the difference between wholesale and retail in
> the (one) book, the replacement is wholesale or 'market' value in the
> insurance company's book....
>
> Other than that mention the taxes, you have to pay them again for a new
> vehicle so are entitled to them on the old one. Seriously, it is legit
> and they know it, they just don't offer it unless asked.
>
> Mike
> 86/00 CJ7 Laredo, 33x9.5 BFG Muds, 'glass nose to tail in '00
> 88 Cherokee 235 BFG AT's
>
> Shamus in CO wrote:
> >
> > Figured I'd tap the Great Fountain of Knowledge I've always found here
at
> > RAMJ+W for this one.
> >
> > 2 weeks ago my car, a '97 Subaru, got pummeled by hail here in Colorado.
> > Luckily, the Rigg was under cover getting some work done, phew. The car
is
> > still very drivable, just looks a little like a red golf ball. My
insurance
> > totaled it. CCC Valuescope, a third party appraisal company, determined
the
> > "fair (HA!) market value" and came up short IMHO. Ol' #7 has one with
many
> > more miles on his lot for $2500 more than my InsCo wants to give me. I
want
> > the car as it'll run for another 10yrs/100k easy, it's paid for, has
under
> > 60k, and *was* in great shape. So now my InsCo wants THIRTY-FIVE
PERCENT
> > off the top as a salvage deductible!
> >
> > Now, CCC has a great standing with InsCo's, but not with the public.
> > Class-action lawsuits, etc.
> >
> > In my eyes, I'm gettin' SKREWED!
> > Can anyone offer me any realistic ideas to get them to loosen the old
purse
> > strings??
> > We're only talking about near a grand, but that'll buy a lot of parts
for
> > the Rigg.
> >
> > TIA
> > Shamus