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 Posted: Thu Nov 05, 2009 11:40 am Post subject: |
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| Quote: | | Is there a "proper" way to negotiate ACV in case we don't see eye to eye? I don't want to do something that would be wrong or rude (that's just not me) but I don't want to be a pushover either. |
Das, gave you some good advise...see what they come up with and if it's close (or higher)...good for you..if not then you'll have the documentation to prove your value.
I wouldn't worry about her mom, she probably knows your husband left by ambulance, and is concerned about his condition. She's probably also trying to figure out if you all look like the 'type' that will sue her daughter, I know, I know you can't tell by looking...  but I'm betting she's just trying to ease her daughters mind. Or it could be her vehicle/policy, and she's worried about getting sued herself.
How is your husband by the way? You know he'll have a injury claim as well (most likely if you're not in a PIP state, and maybe even if so)...you don't want to even THINK about settling that tills he's back to 100%.
It sounds like this little girl is a mess...(3suicide attempts!)...and although your husband could've been killed, he wasn't...the girl has insurance that will take care of your loss...I think it's time for a little pity for this poor creature..I wouldn't wish this on my worse enemy.. 
| Quote: | | I really appreciate the information you provide for everyone here |
That's what we put our time in here for...and we're pleased we could help you in some small way.. | Quote: | | hope after all this I may be of assistance in some way to someone else in my situation. |
That's what it's all about...if not in this type of situation, in another that you have expertise in...
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Lori
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| Posted: Thu Nov 05, 2009 2:24 pm Post subject: |
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Momof2
| Quote: | | They sent a appraiser (he said he has to send the information to a adjuster) today and he was impressed with the condition of the truck, he said it was very impressive how well it had been maintained. He said he could only access it as average though because of the age though. Is it usual for them to do this? |
To me that is one BIG red flag..!
In one sentence he implies that your truck is way above average condition, and in the next implied he would LIE and state it as average.
I would ask... Under who's authority is he required to state that a truck in excellent condition (for its age) is "Average"??
Ya gotta wonder who keeps coming up with these "word tracts".
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That's my 2¢ worth for now. ( maybe ± a couple ¢ ) 
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FK
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| Posted: Thu Nov 05, 2009 3:01 pm Post subject: |
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| Quote: | To me that is one BIG red flag..!
In one sentence he implies that your truck is way above average condition, and in the next implied he would LIE and state it as average.
I would ask... Under who's authority is he required to state that a truck in excellent condition (for its age) is "Average"??
Ya gotta wonder who keeps coming up with these "word tracts". |
Fred you have to base it off an average of the value in a given market, there is no other way around that. The average of that particular vehicle, minus any deductions. Then that average is adjusted based on condition. So that would mean, conditions of equipment, upgrades etc that would adjust to an average amount above what would be considered in a market. An "average" vehicle, with above average condition will bring a higher value than a "twin" vehicle. That will be included in a settlement offer. If not, in the OP's situation that would need to be on the delt with.
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| Posted: Thu Nov 05, 2009 3:45 pm Post subject: |
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I teach the 4 hour DDC and 8 hour ADD safe driving courses, so I can help someone in this area.
| Quote: | That's what it's all about...if not in this type of situation, in another that you have expertise in...
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My husband is sore, his doc said he has a separation between vertebra (whatever that means) and he still is having headaches and boughts with nausea. They said he has fluid on his knee and has blood in his urine (bruised inards). |
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Momof2
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| Posted: Thu Nov 05, 2009 4:42 pm Post subject: |
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OK they called and offered............................................................... ....THE FULL NADA AMOUNT OF $4950 + towing + DMV fees and such ! OMG I am so relieved!
They did say there was no release to sign though, that the check would be the release. What do I need to look for to make sure it is for the truck only and not the BI part of the claim?
THANK YOU THANK YOU THANK YOU TO ALL WHO HAVE INPUT SO FAR INTO THIS THREAD FOR ALL THE HELP!
AND THANK YOU TO THE CLAIMS ADJUSTER FOR BEING SO NICE AND FAIR!  |
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Momof2
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| Posted: Fri Nov 06, 2009 12:06 am Post subject: |
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| Quote: | | What do I need to look for to make sure it is for the truck only and not the BI part of the claim? |
They can't do that...but it should say 'in payment of' then blah blah blah, total loss of...or might say property damage of etc...
I'm glad..I personally think that's a fair offer, and they gave you NADA retail...so I think you got a fair shake.. | Quote: | | I teach the 4 hour DDC and 8 hour ADD safe driving courses, so I can help someone in this area |
that's great...I just meant (mostly) in general...if we'd all help another lighten lifes burdens, with things maybe we know a little more about, at every opportunity, the world would be a little better place..
Sure hope your husband gets to feeling better...keep a close eye on him. Listen, it would be a good idea for him (or you for him) to start keeping a daily diary re: his injury, such as how he feels this day, what he couldn't do (ie pick up kids or grandkids, needed help dressing, mowing yard etc)...you'd be surprised how handy that is when it comes time to settle, (for both he and the adjuster)..Let us know if we can help..
Oh, how did they handle the sales tax in your state?
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Life gaurantees a chance NOT a fair shake
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Lori
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| Posted: Fri Nov 06, 2009 2:51 am Post subject: |
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| Quote: | Oh, how did they handle the sales tax in your state?
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He said we get the 3% of the price plus the DMV fees that we have to register the truck + the title fees. The total before we decided to keep the truck was $5400 after will be $5100 (it was $300 for a salvage fee). I didn't argue with him since it was more than we expected. I did have to file a separate claim for the glasses and the cellphone, they took my word at the prices and are mailing me a check for the additional $482 (cost plus taxes).
So our grand total will be $5600 (rounded up) for the truck & property. |
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Momof2
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| Posted: Fri Nov 06, 2009 12:23 pm Post subject: |
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That''s great..
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Life gaurantees a chance NOT a fair shake
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FIND a way EVERY day to lighten the load of another
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Lori
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| Posted: Sat Nov 07, 2009 2:58 am Post subject: |
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Yeah Hubby got the check today for his truck!
A weight has been lifted. He has already found a truck that he likes that is in as good of condition as his for under what he received but it is 155 miles away. He is going to look at it this weekend.
He still plans on fixing his other truck, then selling the newer truck afterward. |
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Momof2
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