Twenty years ago, when our daughter was in college, a drunk driver made a left turn into her and totaled her car. The drunk was already on a high risk insurance plan in Indianapolis.
The adjuster I was working with offered about half what the car was worth. The car was a Buick Century, and he based his offer on the lowest priced, stripped down model that year, while the car actually had every available option, including a factory sun roof. The adjuster wouldn't budge on his offer.
I figured the value of the car from 4 different price guides and averaged them for the price I wanted. I tacked on for substitute transportation. I then wrote a letter supporting my price and arguing against the adjuster's offer, and went to the Nebraska Department of Insurance and filed a complaint against the insurance company. Once a complaint is filed, the company has 15 days to respond.
I loved this. On the afternoon of the 13th day, the adjuster called me at work. He said "they had reason to review my claim" and just happened to up the offer to almost the exact dollar amount of what I asked for. In other words, the Nebraska Insurance Department told his company to get real or they were history in Nebraska.
You have to stand your ground with adjusters. I've dealt with a few since, and the fact that I was once an adjuster myself helped. The bottom line is, you don't have to take their first offer.
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Today's Featured Article - Tractor Profile: Farmall M - by Staff. H so that mountable implements were interchaneable. The Farmall M was most popular with large-acreage row-crop farmers. It was powered by either a high-compression gas engine or a distillate version with lower compression. Options included the Lift-All hydraulic system, a belt pulley, PTO, rubber tires, starter, lights and a swinging drawbar. It could be ordered in the high-crop, wide-front or tricycle configurations. The high-crop version was called a Model MV.
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