by kleineigel » Tue Dec 02, 2008 05:14 pm
Can anyone offer the laws, regs or any guidance I may use use to settle our claim?
My only concern so far is Allstate requesting to remove the vehicle from the tow yard, I am willing to have it moved to a shop of my choice, but have not had time enough to find one. This happened over Thanksgiving, so the claim is still in it's early stages.
Thankfully, no one was injured, so this is purely property damage I'm dealing with. Our car was parked legally on the street in front of our house, hit head on. We are dealing with replacing the following:
'98 Mercury Grand Marquis LS model. Factory cd changer, leather seats, full size spare that matches alloy rim/tire. Car is in excellent condition, odometer is at 100,170 miles. We have a class 3 receiver hitch on the car to transport a wheelchair. Car is damaged on 3 sides, roof is buckled, Frame is severely bent in multiple points front and aft.
The adjuster has authorized a mini-van for my father in-law's wheelchair transport since they have been unable to locate a rental car with a hitch tube and wiring. No prior damage whatsoever.
I have been warned by several people that my son's car seat needs to be replaced, regardless of no visual damage. Is there any law or general rule I should refer to if they dissagree with that? We have already purchased similar model seat, same brand, just newer.
We keep our vehicles free of personal effects as much as possible, so I'm only dealing with the car seat, a small portable DVD player with broken screen, and a few damaged CD's/DVD's.
Our car was hit hard enough to send it into our yard, tearing up the grass, chipping the curb edge and leaning the utility pole our car was stopped against. The property belongs to friend's of ours, however we are documented legal property managers/renters for it. Not sure if we need to file a seperate claim for the lawn and curbing or not, or just hire the repairs and submit them when finished?..
Thank you for any guidance or suggestions on establishing value for our loss. I'm hoping to spend as little time as possible on this, but I don't want to end up with less than fair replacement value. The only motivating issue we have to get this behind us is our need for a vehicle to mount the wheelchair rack on to. I am a military servicemember facing a deployment in January, so I'm hoping to close it by then at the latest. Recommendations to help resolve it quickly would be appreciated as well.
My only concern so far is Allstate requesting to remove the vehicle from the tow yard, I am willing to have it moved to a shop of my choice, but have not had time enough to find one. This happened over Thanksgiving, so the claim is still in it's early stages.
Thankfully, no one was injured, so this is purely property damage I'm dealing with. Our car was parked legally on the street in front of our house, hit head on. We are dealing with replacing the following:
'98 Mercury Grand Marquis LS model. Factory cd changer, leather seats, full size spare that matches alloy rim/tire. Car is in excellent condition, odometer is at 100,170 miles. We have a class 3 receiver hitch on the car to transport a wheelchair. Car is damaged on 3 sides, roof is buckled, Frame is severely bent in multiple points front and aft.
The adjuster has authorized a mini-van for my father in-law's wheelchair transport since they have been unable to locate a rental car with a hitch tube and wiring. No prior damage whatsoever.
I have been warned by several people that my son's car seat needs to be replaced, regardless of no visual damage. Is there any law or general rule I should refer to if they dissagree with that? We have already purchased similar model seat, same brand, just newer.
We keep our vehicles free of personal effects as much as possible, so I'm only dealing with the car seat, a small portable DVD player with broken screen, and a few damaged CD's/DVD's.
Our car was hit hard enough to send it into our yard, tearing up the grass, chipping the curb edge and leaning the utility pole our car was stopped against. The property belongs to friend's of ours, however we are documented legal property managers/renters for it. Not sure if we need to file a seperate claim for the lawn and curbing or not, or just hire the repairs and submit them when finished?..
Thank you for any guidance or suggestions on establishing value for our loss. I'm hoping to spend as little time as possible on this, but I don't want to end up with less than fair replacement value. The only motivating issue we have to get this behind us is our need for a vehicle to mount the wheelchair rack on to. I am a military servicemember facing a deployment in January, so I'm hoping to close it by then at the latest. Recommendations to help resolve it quickly would be appreciated as well.
Posted: Tue Dec 23, 2008 12:25 pm Post Subject:
You got more than a fair (final) offer...and while most larger carriers would not accept this behavior from an adjuster (not returning calls is a real pet peeve to me personally and most carriers)....I'm glad you got this to the manager who handled you quickly, I'm sure it's more about his embarassment, and irritation at the rep, who likely will get her butt chewed, but she deserves it so...tough....this wasn't a complex claim, so she should've just handled it...i'm sure they are short staffed (we all are now)...but again that's no excuse...
I understand your question about staying with this company...in truth we should always be a little better to our own insured than a third party...but let's hope you got (for whatever reason) an ill equipped adjuster (this job is NOT for everyone)...congrats...great job handling this on your own...and a very very very Merry Christmas to you and your family...(stay safe).
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