Posted by Goose on July 01, 2014 at 06:11:47 from (70.198.34.28):
In Reply to: Re: Insurance: posted by Gambles on July 01, 2014 at 04:42:26:
When our daughter was in college at Nebraska Wesleyan, she was going through good old 27th and Vine in Lincoln when a drunk coming the other way made a left turn into her. Witnesses at the scene told the police Amy had a full green light.
The drunk was driving a Dodge pickup and Amy was driving a Buick Century. The police hauled the drunk off to the drunk tank and Amy got all the attention at the scene.
The drunk was on a high risk insurance plan in Indianapolis. His adjuster offered me about half of what Amy's car was worth. Amy's car was loaded up with every factory option available, including a factory sun roof, and the adjuster had obviously based his offer on the cheapest, stripped down Century for that year. He wouldn't budge.
So, I took the average of four price guides for the price I wanted for Amy's car, wrote a letter supporting my position and debunking his claim, went to the Nebraska Department of Insurance, and filed a complaint against the drunk's insurance company.
Once the complaint was filed, his company had, by law, fifteen days to respond. I loved this. On the afternoon of the thirteenth day, his adjuster called me at my office. He said they'd "had reason" to review my claim and they'd decided to up their offer. Their offer was now almost exactly to the dollar of what I'd asked for the car, plus a rental car for thirty days. I told him he had a deal.
In other words, the Nebraska Insurance Department told them to get real or they were history in Nebraska.
A couple of other times I've had adjusters try to lowball me on accidents. Usually when I inform them that I've been an adjuster myself and know how to play the game, and maybe yell a little, they straighten out and get reasonable.
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