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 Posted: Wed Aug 27, 2008 6:31 pm Post subject: |
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I will have to give them a call. Sadly it will have to wait until tomorrow. I left at 9:00 this morning and am just now getting home. It seems my stream of bad luck from the prior week is carrtying over in to this one. First my car broke down, same day someone at hubby's work took out the passenger window of my truck, then he was pulled over the next night for a license plate light. The rtuck was covered all but $50, the car was scanned by a computer and nothing found wrong cost $47.95 and the cop left hubby go. Now my truck is sittting at the dentist office and won't start. Gee whiz someone jinx me???? Just thought I would give ya a free chuckle on me.
Anyway Is RSD considered serious in an adjusters eyes? There is that and the TMJ proved to be caused by the accident and whiplash. I never mention any of the others casue the arm thing always seems the worst. |
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fireyone
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| Posted: Wed Aug 27, 2008 7:19 pm Post subject: |
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Okay...I thought why not just call while I am waiting for my hubby to come home so he can go look at my truck. at least it would take my mind off of what kind of extra money I have to come up with now.
I called and asked what the demand was and they said they were indeed asking for the policy limits because of the extent of my injuries. So I guess now all I can do is hope the other driver had decent coverage. She was a 22 year old girl who just happened to be driving her mothers car that day. Guess its back to waiting again? |
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fireyone
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| Posted: Thu Aug 28, 2008 12:28 am Post subject: |
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What are your state minimum? also since she was driving mom's car, hopefully mom carried more than state min.
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"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. |
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Lori
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| Posted: Thu Aug 28, 2008 11:42 am Post subject: |
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I believe that it is $15,000. That is what my insurance company told me when we discussed the accident. I am also hoping more was carried since she was driving mom's car. Guess I will wait and see. In the mean time I am just gonna see if there are any corners I can cut to save some money. I have considered taking my 2000 Grand am off full cocverage but when I called the ins. co. they said it was only $10.00 more a month to carry it so I don't feel the risk is worth the savings.
I see you answered my post on the home owners. All my policies are carried under my insurance company. Would you advise switching companies at this point. I asked my lawyer and they said it would be best to wait. I thought maybe the same thing since I may need the underinsurance on my own policy. |
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fireyone
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| Posted: Thu Aug 28, 2008 6:14 pm Post subject: |
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| Quote: | | they said it was only $10.00 more a month to carry it so I don't feel the risk is worth the savings. |
sorry call back...i don't believe that for a second! oh wait...how much do you pay per month on this car?
They can't deny the claim, but I'd stay put till this is all over and done with...
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"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. |
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Lori
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| Posted: Fri Aug 29, 2008 12:40 am Post subject: |
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I pay $415 every 6 months. I keep thinking of dropping it down since it has 104000 miles on it. Plus I only drive it once a week.
I was thinking I was best to stay put also. As soon as all this accident stuff is taken care of then I will go and get other prices. |
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fireyone
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| Posted: Fri Aug 29, 2008 10:09 am Post subject: |
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That's roughly 70 bucks a month, no way in the world that your collision and comprehensive coverages are 10 bucks of that...more than likely they are about 30 bucks of it...coll and comp are typcially the highest coverages...your car is worth anywhere from 4-5k assuming it's a four door se...and in really good condition....so you'll have to decide...but ask them again, ''HOW MUCH IS MY PREMIUM WITHOUT COLLISION AND COMPREHENSIVE''..someone got that wrong when they said it would lower it only 10 bucks! I can all but guarantee that!
_________________
"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. |
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Lori
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| Posted: Fri Aug 29, 2008 1:03 pm Post subject: |
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| My car is a sedan and in really great shape. I was always taught to take care of what you own and it will last a lot longer. I kind of figured I had to be paying more. If my car is still valuing at that amolunt I think it is best I continue with the coverage I have on it. You know what they say "it only takes one time". Thanks. |
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fireyone
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| Posted: Fri Aug 29, 2008 6:56 pm Post subject: |
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I agree, I usually keep coll and comp untill or unless the acv gets to 3k or below...
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"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. |
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Lori
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| Posted: Mon Sep 15, 2008 12:25 pm Post subject: |
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Thats what I have decided to do. I haven't found anyone to take my home as anything but a mobile home. I keep getting once a mobile, always a mobile.
I did find insurance on both my home and cars for cheaper and better coverage. I am just waiting for all this other stuff to settle out and then I am going to switch. Its only been three weeks since I got the letter that they sent for a settlement so as soon as this id done I will have at least my research done. |
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fireyone
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| Posted: Mon Sep 15, 2008 12:52 pm Post subject: |
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good job... 
_________________
"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. |
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Lori
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| Posted: Sun Sep 21, 2008 12:26 am Post subject: |
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| Thanks. had to have something to do with all this unwanted free time. |
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fireyone
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