by msvarghese » Mon Aug 04, 2008 09:47 pm
My 1997 Toyota Corolla was in an accident recently in the Omaha, NE area (68128) and Progressive (my insurance company) "totaled" the car at $2, 520, which is far less than KBB value. This value supposedly includes all fees & taxes, and is still subject to my $250 deductible. This car has current KBB value of $3700.
We bought this car 2 years back from a local dealer for $4250 and in a months' time we had to spent $1750 for changing the transmission belt. I spent a lot on this car and finally according to Insurance people its valued only $2520.According to claim representative, this was totaled before as well which is an unknown fact to us. We had clean title from dealer and even Car fax didn't show that it was totaled. The surprising thing is that Progressive offered insurance quote based on a clean title. I don't know how would they change their records to double-totaled now when we are at receiving end.
We talked to the local dealer and he is still saying that our car was of clean title. At the same time, Progressive is going to send us report which shows it was salvaged. I do not know where to proceed further. I spent around $6000 on that car (excluding taxes) and the totaled value of $2520 can no way compensate that.
Please let me know how I can proceed further...or which is the best way to get the things cleared...
Thanks!
We bought this car 2 years back from a local dealer for $4250 and in a months' time we had to spent $1750 for changing the transmission belt. I spent a lot on this car and finally according to Insurance people its valued only $2520.According to claim representative, this was totaled before as well which is an unknown fact to us. We had clean title from dealer and even Car fax didn't show that it was totaled. The surprising thing is that Progressive offered insurance quote based on a clean title. I don't know how would they change their records to double-totaled now when we are at receiving end.
We talked to the local dealer and he is still saying that our car was of clean title. At the same time, Progressive is going to send us report which shows it was salvaged. I do not know where to proceed further. I spent around $6000 on that car (excluding taxes) and the totaled value of $2520 can no way compensate that.
Please let me know how I can proceed further...or which is the best way to get the things cleared...
Thanks!
Posted: Fri Aug 08, 2008 10:40 am Post Subject:
Lori, never mis spells right?
nope lori misspells all the time...just not generally when on the rare occasion (mike) i'm trying to insult someone...More disinformation from Lori,
No misinformation I assure you, I however do not copy peoples private messages to me and post them for the public...not to mention the added embarrassment to you dear, although I have to admit, that isn't my primary motive. In not betraying a confidence...Stands for Not a bad older broad A older woman who still looks good.
Oh Rick I needed that! :lol: :lol: :lol: You did make me spit the coffee that time ! :lol: :lol:I think Mike likes you
The feeling is mutual Mike, I don't hate anyone...a word I don't use...You and I both use sarcasim alot and effectively I think....I disagree with a lot you say, but at the end of the day, I have no hard feelings for you...some of the things (two) that you have said more than crossed the line and were both out and out lies and mean spirited, and totally meant to
misinform, but again, that's your style of debate...but dude I mean it when I say if I'm in Joplin, don't be surprised to see me pull up....btw, I like Ricks definition better...and seriously never heard of it...remember Agnew well, but do not remember that word at all...
Do I 100% agree with every word Lori writes? No. Do I trust most of the information she provides? Yes. Do I appreciate her help? 100% yes.
Thanks Rick, and all debates aside, there are several of us that post here regularly a few are adjusters...we have no side line jobs that we are premoting, nothing to gain by posting (I don't get paid to moderate) and truly the only motivation is to try in some small way to help people get thru the mud that is insurance, (for me) claims in particular, most people are over whelmed over stressed, and distrusting when they have a claim...it makes zero impact on me how a claim is settled, but a huge impact if I think that I have helped take just the smallest load off of someone else. By giving them information that I just happen to know quite a bit about....You're figuring Mike out pretty quick...unfortunately, sorry...
Posted: Fri Aug 08, 2008 03:04 pm Post Subject:
that you have said more than crossed the line and were both out and out lies and mean spirited, and totally meant to
misinform, but again, that's your style of debate...
I believe that if you feel I have crossed the line, you certainly have to look in the mirror and at your posts lori.
Rick
I did not express nor imply a thing.
Retarded way of saying negativity
I believe you referenced my spelling as a retarded way, could only be understood to mean that a retard (your word) would spell that way.
Just don't understand how you feel you can belittle people with birth defects by using retard as a slur and not believe you have crossed a line.
Got any ethnic slurs or more redneck references you'd like to get out of your system or regional remarks? I only sarcastically referenced your youth and naivety with the reference "wet behind the ears" and "still in diapers" merely place you chronologically at the time of the phrase in question. When you have been in either the insurance industry or the collision industry for more than twenty years, you may have something relevent to add to my rebuttals to Lori. You sir, unleashed the barage of slurs. You sir, are the insolent one. If you want to show Lori you're a groupie simply send her a pm. She's proven she's a big girl with her own ability to unleash untruths and personal attacks, I doubt she needs your help.
Posted: Fri Aug 08, 2008 08:54 pm Post Subject:
I believe that if you feel I have crossed the line, you certainly have to look in the mirror and at your posts lori.
Mike I have never said anything even remotely close as you have when you said that all adjusters get bonus' for underpaying claims, that is just one of them........
Rick don't pay any mind to Mike, when he says things, they are merely "only sarcastically referring" to things...When another does it, it is , "ethnic slurs", or, "redneck references" etc...the world comes to an end....he refuses to look at himself clearly.
Posted: Fri Aug 08, 2008 11:18 pm Post Subject:
I believe you referenced my spelling as a retarded way
Once again you dont get it. It is the definition FROM THE DICTIONARY NOT MY WORDS OR EXPRESSIONS.
You only assumed I was wet behind the ears and still in diapers when that quote was made, when in fact I was in San Diego.
Seems to me you like to dish it out but cant take it.
Posted: Fri Aug 08, 2008 11:59 pm Post Subject:
Hey hey I didn't know there was drama on these boards. I thought everyone here was just one big happy family. Oh well, everything needs a little spice now and then.
Posted: Sat Aug 09, 2008 12:49 am Post Subject:
Rick, the only thing for which I am sorry, is the inability of you being able to see your culpability in this misunderstanding and Lori' dilusions that she never is guilty of the very things she claims I am.
Asking some insurers for help in your particular situation is a lot like asking your hangman if he needs to borrow your rope.
If you want to know or understand your thirdparty or legal rights go to a consumer friendly site that points out some insurance abuse. If you need someone to help you calculate your acv, Lori's your gal.
If you try to help posters with information based on past relationships and experiences as a repair professional, some insurance claims people simply attack your posts, and start calling you a liar.
Sorry for having a callous hide. If you post here long enough you develope one or they eat you for lunch. I originally mistook you for a claims person, my mistake. Repair professionals are out numbered here and we have to defend our positions when we point out insurance abuse.
Under different circumstances, I could have given you the names of people in the Dallas area that could have saved you a lot of grief with how your claim was handled and possibly expedited your claim settlement.
Posted: Sat Aug 09, 2008 09:44 am Post Subject:
Under different circumstances, I could have given you the names of people in the Dallas area that could have saved you a lot of grief with how your claim was handled and possibly expedited your claim settlement.
And charged you a pretty penney to get that help...Rick's an intelligent guy, he knows how to google...He knows it's free here, and is fully capable of making informed intelligent decisions...I've nothing to gain by giving him or anyone else the benefit of my years of experience...Let's not forget Mike, I've been at this over twenty years myself. Also was a facility manager for a large shop, for several years, and still work in body shops all day every day. I have zero issue with collision repair owners, managers, or techs, and some of my closest friends are in those groups...Body shops are my bread and butter, I work with them daily and have for more years than I can to count...I doubt you could find one in a hundred mile sweep that would say a bad word about me....You will be hard pressed to find any threads other than ones that Mike is professing his opinions (mostly) as gospel that I've taken harsh issue with...huge difference between Mike, and the 'industry' he claims to represent. He posts regularly on a board that boasts all of about ten posters...that are insurance haters...they attack and eat their own, if they disagree...(those aren't just my words)...so Mike, 'natter' on.....Posted: Sat Aug 09, 2008 09:45 am Post Subject:
Hey hey I didn't know there was drama on these boards. I thought everyone here was just one big happy family
It is for the most part...Mike just drops in to bring out this side of me... :roll:Posted: Sat Aug 09, 2008 03:46 pm Post Subject:
Here is a simple explanation, which will be rebutted, distorted, and labeled as fabrication and lies in short time by one poster and perhaps two.
The side that I bring out of some claims people is the side that too many people see in their claims experience with some insurance company representatives. I am simply passionate about my collision industry independence and some claims people are loyal to the company line to the point of defending the indefensible which is incomplete indemnification and refusing to pay for all procedures which are recommended by the vehicle manufacturer which if not performed could compromise the vehicle owners safety foremost and value of their vehicle leastly.
The insurance industry pays huge sums of money for companies like J.D. Powers to study them to help them understand how to best help policy holders and to retain them. Not treating vehicle owners like crap would be a start and letting real professionals determine costs of repair instead of a kid running around in an suv with no collision training experience telling a professional how to repair a car. Paying your claims in full and not witholding full indemnification would be another. Not telling vehicle owners that they must use the insurance preferred shop and that their shop can not be trusted would be another recommendation.
The forum that the poster mentions that I participate in, is comprised of like minded passionate industry people that have not sold their souls to the insurance industry for the promise of referrals and becoming direct reapair partners only to be thrown under the bus later and to possibly compromise vehicle safety and value. The sage and knowledgeable passionate posters at that forum take a very dim view of those that attempt to post or argue with horse hockey for ammunition. BS is easily sniffed out and those posters are invited to continue but to leave the propaganda at the door. Those posters over there that people refer to are some of the most passionate consumer protective shop owners in the country and would not hesitate to give a knowledgeable hand to a vehicle owners inquirey. I am speaking of the shop owner discussion board and not the consumer board that has been decimated by people that do not want vehicle owners to receive help apparently.
Many of those same posters believed the insurance mantra that they wanted to help the collision industry,and be partners with them, but saw through the cloak of lies before they signed agreements with insurers that compromised the vehicle owners. A repair shop owner should be the vehicle owner's advocate for proper repairs; not a co-conspirator in depriving or defrauding the vehicle owner of what is due them under the law or contract that the shop is not a party to. I know of no contributing posters there that would agree to clip a car or take half of a car to repair your car and create a frankensteinmobile. Make no mistake about it, insurers own many shops without their names being on the documents of ownership. When an appraiser or poster refers to a shop or group of shops as their shops, you can tell they work for the insurer and not the vehicle owner. Huge difference.
The people that I would have put a poster in touch with would have cost the poster no expense and they only had everything to gain including time and money. Some shop owners recognize that this is still their industry and refuse to abdicate it to the insurance industry. They subjucate shops and compromise their ability to repair based on knowledge and experience, but instead insist on repairs based on databases that they have a fair amount of control and pursuasion over. This is why you see such charged attacks and allegations of lies against anyone who challenges the status quo and stands up for the vehicle owners and themselves.
Having worked in a bodyshop in admnistrative employment makes insurance appraisers no more an expert at collision repair than I would be considered a doctor because I work in the cafeteria as a server. Who would you rather trust your family's safety with? A trained doctor , a trained repair expert, or someone who is looking to pay for the cheapest and quickest repairs that could compromise vehicle and family safety. Appraisers do not make the rules, they simply follow beancounters recommendations that are designed to keep more of the policyholders indemnification in the stockholders pockets at the vehicle owner's expense.
Posted: Sat Aug 09, 2008 07:08 pm Post Subject: Take another look Lori
Pick a company who you think "pushes the envelope" as Tcope says, and know that with the direction that things are going you will most likely be faced with management that will tell you to "do what they do or hit the road." Maybe that has already happened. You can't tell me that some of the horror stories that people post here don't have you shaking your head in disgust. Regular posters on Pro-d, like the Piersons, have just collected documents to be used as tools to try to help shops and consumers. It's not to different from some of the things that I see you guys doing here. They and others are not making this stuff up, they are just the messengers. JMT Dave
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