| Message |
Author |
|
 Posted: Sat Jun 06, 2009 11:45 am Post subject: |
|
|
| Quote: | | However....the Rep, on the phone said they needed to talk to the insured because..there was no cliam filed before I called |
EXACTLY, they have to talk to their insured prior to extending coverage to you.. | Quote: | | They ALSO said an Adjuster would come out to my home if I needed him to. I would like to get an estimate from MY mechanic, too. I told the Rep this, as well. . |
You can do whatever you want, but they are going to write their own estimate, and pay you based on that estimate. After it's under repair if the shop finds additional damage they will call the adjuster, they will come back out and handle it with the shop. If you want to set up the appt to see if they can meet you at the shop to write the estimate that's fine, but they probably won't be able to meet you there at a set time and date, maybe they can...but you need to call them asap, as it sounds like they've already got it set up to come to your house (or work) to write their estimate. You said it's just that your bumper is down, depending on the vehicle (car or truck) they may or may not be able to see all the damage...without tear down...again, if they can't your shop should know to call them PRIOR to beginning repair if they find additional damage, once tear down has been completed (usually when you have left vehicle at shop for repair)
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
|
|
| Posted: Sat Jun 06, 2009 1:11 pm Post subject: insurance |
|
|
| MMmmm.......well, if the Adjuster DOES look at the damages, and my mechanic finds MORE damages than the Adjuster, would the Adjuster 'adjust' whatever he/she found? I hope I'm explaining my question clearly. |
|
sdchargersfan
Senior member
Joined: 21 Aug 2007
Posts: 2055
4.67 Dollars($)
|
|
| Posted: Sat Jun 06, 2009 2:31 pm Post subject: |
|
|
| Quote: | | well, if the Adjuster DOES look at the damages, and my mechanic finds MORE damages than the Adjuster, would the Adjuster 'adjust' whatever he/she found |
Correct. Sometimes when I write up the damages on a vehicle the person wants to be there. If they want, that is fine... but I always tell them that they'd just be watching me look at the damage. I explain the them that it's up to the shop to address all of the damage. If I don't have something written down, the shop will let me know. Also, I may not write down everything as I'm not going to guess at some of the possible damage.
Carriers and people who inspect vehicles are different. When I look at a vehicle I'm trying to write up as much as I can in order to "monitor" some of the repair times and parts being used (if appropriate and available, I will write up LKQ/salvage parts or perhaps even OE surplus parts). This can save a lot of money. Supplements that the shop turns in are usually going to be pretty small. |
|
tcope
Forum Expert
Joined: 22 Nov 2006
Posts: 5070
Location: Salt Lake City, UT
273.06 Dollars($)
|
|
| Posted: Sat Jun 06, 2009 3:33 pm Post subject: |
|
|
.
.
.
Part of sdchargersfan's:
| Quote: | | ...........the Rep said they had "their own 'garages'", etc. i told them I have my own mechanic, and so forth. They ALSO said an Adjuster would come out to my home if I needed him to. I would like to get an estimate from MY mechanic, too. I told the Rep this, as well. Should I have the Adjuster meet me at the garage of MY choosing and look over my damages with my mechanic there as well? |
Yes.......! That's an excellent idea.
I would also suggest that you talk to your mechanic about disassembling the damaged area of your car before the adjuster arrives so that ""ALL"" the damage can be inspected & included in the First Estimate. This could save you & your mechanic the frustration of dealing with waiting for an Adjuster to return for a second estimate, then waiting even longer for the final Check to be approved, written, & Received by you.
Oh. I almost forgot, it would be nice of you or your mechanic to take a few "Courtesy" pictures for the adjuster before he disassembles the damaged area.
One more point... its my understanding that you being a third party clement, are not Legally bound by the terms of anyone's Insurance Policy. Unless... you are talked into filing the claim with your insurer first and letting them handle the claim for you. (which would be limited by the terms of your insurance contract.)
_________________
.
.
That's my 2˘ worth for now. ( maybe ± a couple ˘ ) 
FK, |
|
FK
Senior member
Joined: 10 Feb 2008
Posts: 290
Location: Pa.
41.08 Dollars($)
|
|
| Posted: Mon Jun 08, 2009 11:08 am Post subject: |
|
|
No FD I think she's using the other guys policy...SD don't forget they owe you a rental while your vehicle is in the shop under repair.
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
|
|
| Posted: Mon Jun 08, 2009 11:32 am Post subject: |
|
|
.
.
Hi Lori,
Two things....
One, its FK not FD.
Two,
One more point... its my understanding that you being a third party clement, are not Legally bound by the terms of anyone's Insurance Policy. Unless... you are talked into filing the claim with your insurer first and letting them handle the claim for you. (which would be limited by the terms of your insurance contract.)
_________________
.
.
That's my 2˘ worth for now. ( maybe ± a couple ˘ )
FK, |
|
FK
Senior member
Joined: 10 Feb 2008
Posts: 290
Location: Pa.
41.08 Dollars($)
|
|
| Posted: Mon Jun 08, 2009 11:33 am Post subject: |
|
|
geeeeeeeeeeeze Fred, CLEARLY I haven't got enough coffee to my brain this morning....sorry... 
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
|
|
| Posted: Tue Jun 09, 2009 2:04 am Post subject: insurance |
|
|
| The adjuster, from the OTHER driver's insurance, and he said my damages would 'outweigh' the price of the car.............so...he wrote on his paper work the "car is totaled!" OMG!!!!!! I'm really bummed!! My credit's bad and I can't finance another car through Citifinancial again!! Gosh...just don't know what to do!! |
|
sdchargersfan
Senior member
Joined: 21 Aug 2007
Posts: 2055
4.67 Dollars($)
|
|
| Posted: Tue Jun 09, 2009 11:07 am Post subject: |
|
|
Is your car still driveable? Why don't you retain the salvage? What is the yr/make/model/ mileage and options...do you owe anything on it? Is it legally driveable and safe?
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
|
|
| Posted: Tue Jun 09, 2009 11:38 am Post subject: |
|
|
I'd agree with Lori, if you can't afford another car for poor credit the only other option is to look at the possibility of retaining the car. But it needs to be checked whether the car can be retained and drive safely on the road.
You would then need to spend a lot on getting it repaired and inspected by DOT before start operating it again. I think you can't actually drive a car with salvage title in PA.
~Jeremy |
|
JeremyHolter
Senior member
Joined: 06 Jun 2007
Posts: 1194
210.30 Dollars($)
|
|
| Posted: Tue Jun 09, 2009 3:14 pm Post subject: insurance |
|
|
I've talked to my mechanic...he DID look at it, too. HE even told me that the "car is unsafe to drive." When the other drive hit me, she bent the frame, in the rear of the car. I'm working on a few options. ...Citifinancial ( who I had my loan through, for the Jeep..) can't re-fianance another car, but..they CAN use the Title ( when I get another car) for collateral for the remaining of the loan. ALSO..........( this was a relief)....when I was in a previous accident, ( hit black ice and hit a guard rail), my 'Collision Coverage' sent my mechanic for the work that had to be done, from THAT accident. However.....because of my busy schedule, not ALL of the work was finished yet. SO.........not all of the money was used...about $1500.00. My mechanic is going to send me a check for the difference ( hope I'm explainging this clearly). So....that's something to 'go on' anyway. ( Feel a little bit today....had a rough day yesterday!!)  |
|
sdchargersfan
Senior member
Joined: 21 Aug 2007
Posts: 2055
4.67 Dollars($)
|
|
| Posted: Tue Jun 09, 2009 11:25 pm Post subject: |
|
|
You do understand that when they determine the ACV for your vehicle, that it's highly likely they will deduct the unrepaired prior damage from your ACV right?
SD do you not have GAP insurance on this note? If you 'roll' your balance from this note into yet another loan, you will just be getting yourself in deeper and deeper...
Did you ask your 'mechanic' (and I hope it's really a body tech, and not a mechanic)...what he would charge you to get your vehicle safe, and driveable?
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
|
|
| Posted: Wed Jun 10, 2009 2:07 am Post subject: |
|
|
.
.
I was just thinking.... (likely dangerous) but here goes....
When an automobile is totaled in Pa. Sales Tax, Transfer Fees for license plates and Title costs are added to the settlement amount. Its my understanding it is this way because, if the at fault party had not damaged the other persons car they would not be incurring these expenses, so its part of the loss.
So..... shouldn't the necessary Fees that sdchargersfan has to pay to have her car inspected at an Enhanced Inspection Station, and the Fee's needed for an R-Title be paid by the at fault party??
_________________
.
.
That's my 2˘ worth for now. ( maybe ± a couple ˘ )
FK, |
|
FK
Senior member
Joined: 10 Feb 2008
Posts: 290
Location: Pa.
41.08 Dollars($)
|
|
| Posted: Wed Jun 10, 2009 9:34 am Post subject: |
|
|
| Quote: | So..... shouldn't the necessary Fees that sdchargersfan has to pay to have her car inspected at an Enhanced Inspection Station, and the Fee's needed for an R-Title be paid by the at fault party??
|
Okay Fred, This is my understanding about the situation....the insurance indeed has said that SD won't be able to drive the car on the road since they wouldn't pay for its repairs and therefore would compensate her for the loss of transportation, sales tax and the other expenses incurred.
Now if she wishes to retain the vehicle why would the insurance company be responsible for the fee’s and R-title? |
|
kelvin
Senior member
Joined: 22 Nov 2005
Posts: 207
37.90 Dollars($)
|
|
| Posted: Wed Jun 10, 2009 10:56 am Post subject: |
|
|
| Quote: | | So..... shouldn't the necessary Fees that sdchargersfan has to pay to have her car inspected at an Enhanced Inspection Station, and the Fee's needed for an R-Title be paid by the at fault party?? |
If they paid her for the first (title and transfer fees meaning she's buying a different car) then they wouldn't owe the other...retaining salvage is always a choice...BUT in making that choice the owner assumes any costs incurred by doing so...
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
|
Lori
Moderator
Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
287.90 Dollars($)
|
|
Previous 1, 2, 3 Next 
