Posted by NCWayne on July 21, 2008 at 13:22:47 from (166.82.164.236):
In Reply to: Unbelievable (OT) posted by MDWill on July 21, 2008 at 11:32:07:
Like one post suggested demand a replacement, or rather tell them you'll get a replacement and then "send them the bill". They can make offers up the wazoo but you don't have to accept any of them until they make one that's to your liking. If they try to cheat you don't hesitate to, at the very minumum, threaten legal action and/or to call the insurance commission. Most insurance companies are a racket and will cheat you in a heart beat, if you let them. In the grand sceme of things though you are actually in control when it was the other persons fault, they'll just never admit to it until they get desperate to settle the case. It took me nearly a year to settle with the insurance after my pickup got totalled but in the end they were calling me and asking what it would take to satisfy me so they could close the case. What I was told (but not by the company trying to settle with me) is they can't close it until an offer is accepted and to try to do so isn't viewed that well by the insurance commission. Another thing, they often want to settle the medical and the vehicle seperately and send seperate checks, etc. Tell them you want it all together. Your state may be different but in NC law requires them to pay your medical and making them pay it all together insures the vehicle part gets paid because they have to pay you that part in order to pay you the medical. Unless you have no choice but to settle quick to get mobile again, hold out and make them pay you a fair price for your damaged vehicle and your injuries, that's their job....It worked for me.
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