Posted by Goose on February 17, 2019 at 18:18:37 from (166.181.86.115):
In Reply to: Insurance posted by Tony S on February 17, 2019 at 15:41:45:
Check with your state Insurance Commissioner, or the equivalent office.
When our daughter was in college, a drunk driver totaled a car for her. She had witnesses that she had a full green light going through an intersection and a drunk coming the other way made a left turn into her.
He was already on a high risk insurance plan from a company in Indianapolis, IN. Daughter was driving a Buick Century with every available option, including a factory sun roof. The other guy's insurance company based their offer on the most plain Jane, stripped down model of Century for that year and only offered me half what the car was worth.
I figured the value of the car from 4 different price guides, averaged the four, added some for substitute transportation, and said that was what I wanted. I wrote a letter supporting my request and debunking the insurance company's offer. I then went to the Nebraska Insurance Commissioner's office and filed a complaint against the insurance company. Per Nebraska law, once a complaint is filed, the company has 15 days to respond.
I loved this. On the 13th day, the adjuster from the other company called me at work. He said they "had reason to review my claim" and just happened to up his offer to almost the exact dollar I asked for. We then worked out the details. He would forward me half the money immediately and the other half when I delivered the title to the car to his company.
In other words, the Nebraska Insurance Commission told his company, "Get real or you're history in Nebraska".
The best advice I can give you, having been an adjuster myself is be reasonable, but don't back down. You don't have to take the first offer they make. And don't hesitate to contact your state insurance commission to see what options you may have, like in my case above.
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