Got official word on my accident

[epj3]

here's a tid bit of advice...at the advising of a lawyer I did this with my accident and it turned out prettty well. Ask them to round it up slightly 100 buck or something, then ask them for $$ for a rental car for the average time it takes to find a new car, since you're legally not allowed to rent a car, impress upon the insurance company how much of an inconvenience it is and use a little pity and even mention how your ankle was hurting and lay it on thick--I mean thick. If the person ur talking to is female (I don't mean to start anything) you'll probably get some extra $$. I got close to 1k for a rental car with my accident doing this. It's worth a shot. And just by the fact it's state farm, don't hold your breath on recieving more for the actual value of the car. Also, all the parts you recently put in the car (I think you replaced the clutch recently and some other stuff, show them the reciepts for that and they MUST refund you for that if the parts were installed within the last 3 or six months (at least in MD).

Good luck man, and glad to hear that dude got a moving violation and you were not held liable.

Sean

The guy basically told me that is maintainence parts and "if you bought the car for the value we give you it is expected to be in full operational condition"

Um since when have you been able to find a "nothing needs replaced" E30 for THREE THOUSAND?!?!?!!??! Ugh this is so frustrating.

 

[brahtw8]

I would recommend writing your insurance company a letter. In the letter, spell out what you believe the value of the car is and why. Provide them with as much information as possible, including guide values and local advertisements.

Indicate to them that you will accept $**** for the car and that you believe their current conduct is evidence of bad faith and ask them for documentation to support the value they have placed on the car. Indicate to them that you have no desire to engage in litigation over this issue, but you will do whatever is necessary to protect your rights and get what you believe to be is full value.

If this doesn't get you more money, you can either take what they give you or sue them, and it probably doesn't make sense to sue them given the amount of money involved.

(Not legal advice, no atty-client relationship express or implied, etc.)

 

[epj3]

I would recommend writing your insurance company a letter. In the letter, spell out what you believe the value of the car is and why. Provide them with as much information as possible, including guide values and local advertisements.

Indicate to them that you will accept $**** for the car and that you believe their current conduct is evidence of bad faith and ask them for documentation to support the value they have placed on the car. Indicate to them that you have no desire to engage in litigation over this issue, but you will do whatever is necessary to protect your rights and get what you believe to be is full value.

If this doesn't get you more money, you can either take what they give you or sue them, and it probably doesn't make sense to sue them given the amount of money involved.

(Not legal advice, no atty-client relationship express or implied, etc.)

Well, the guy at state farm basically told me "we have done everything legally required of us and believe this is the value of the car...."

My dad, for some reason, doesn't even want to TRY to get more out of it! Not like he's not going to give me the extra $400 either I do understand that sueing them isn't worth it. If I had a car worth 30,000+ I would definitely take legal action if they were low-balling. It's just not worth the fight past a certain point.

 

[brahtw8]

I would still send them a letter as outlined above. You may find their attitude changes upon the mention of bad faith.

 

[epj3]

I would still send them a letter as outlined above. You may find their attitude changes upon the mention of bad faith.

I will do that. In fact I might hand deliver the letter to our local insurance agent.

 

[brahtw8]

Just remember to be subtle and polite. You want to kill them with kindness and rationality. They won't respond to threats or anger in a positive manner. Phrase your disagreement as a lack of understanding of their offer and your potential resort to legal action as something you really don't want to do. Give them the chance to do the right thing and retain a valued, potentially life-long customer.