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my wife and i have 6 veh. insured through AAA,and when her '05 mustang got backed into they fought us on the claim ,and ended up putting a used front nose on the car, stating "the nose on your car now is not new", !?!one of my harleys is a custom build and they cant tell me what they will pay if its stolen: they say replacment value but i bet that would be a real fight,
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my wife and i have 6 veh. insured through AAA,and when her '05 mustang got backed into they fought us on the claim ,and ended up putting a used front nose on the car, stating "the nose on your car now is not new", !?!one of my harleys is a custom build and they cant tell me what they will pay if its stolen: they say replacment value but i bet that would be a real fight,
AAA aka Western United is a very stingy insurance company. But then again I rather have a used front end on my car then an aftermarket
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AAA aka Western United is a very stingy insurance company. But then again I rather have a used front end on my car then an aftermarket
If you get a used front end, you really dont know what you got, wrecked repaired full of bondo cant tell cuz it has paint on it. Hell u might even have gotten a used aftermarket front end! Read your policies!!! I have had the worst buisness dealing with Farmers!
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A used front end is more than likely an LKQ. Which is Like Kind Quality. If you are getting one with bondo or aftermarket, it is not Like Kind Quality, unless that is what you had on your vehicle.
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A used front end is more than likely an LKQ. Which is Like Kind Quality. If you are getting one with bondo or aftermarket, it is not Like Kind Quality, unless that is what you had on your vehicle.
Guess you better trust your bodyshop to inspect your "LKQ" parts! Ive had alot of parts come from "LKQ" that are crap!
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What is a CCC and ADP ?
Just thought i better find out what it is before I ask for it:D
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My son wrecked his 97 S10 pickup(his fault) and now the insurance Co is wanting to "total" his truck and is trying to pay me less than half of what I have in this thing.
What rights do I have to fight them with?
They insist on only paying us 2900.00 for the truck and are telling us we cant take anything off of it before they haul it off because they are adding in all of our upgrades into their price.
The repair estimate is 3300.00 and I have over 6500.00 in this truck. But they wont repair it. They insist on totaling it which would screw me big time.
I bought the truck from a car lot a year ago for 3750.00 knowing it needed an intake gasket and water pump. While I was repairing it I also pulled the heads and did a valve job.
We then added a stereo system, wheels and tires, lowered it, lighted mirrors, added a cowl hood and a fiberglass hard bed cover, tinted windows and replaced a cracked windshield and misc other repairs and up grades. All told an easy 4500.00 of parts and not counting all our labor.
This truck only has 119,000 miles and we fixed it up to last him several years to be reliable and sporty to our taste to get him through school trouble free within our budget.
How can I either get the value of the truck or get it repaired??
http://i133.photobucket.com/albums/q...e/IMAGE058.jpg
Read your policy. You will find something similar to the "Right of Appraisal" This is is all policies in case you and the carrier disagree on the value of the loss. If you are sure that the vehicle is worth more, demand that this claim is settle through the Appraisal process. You will need to retain an independent appraiser to place a value on truck. Follow the language in the policy. This is generally your only recourse.
CCC and ADP are companies who place values on total loss vehicles for insurance companies.
LKQ means the same quality as is on the vehicle at the time of the loss or more commonly known as used. Not a problem normally. With regard to retaining the vehicle the salvage value can be determined a number of ways. A % based on a salvage contract or the bid from a salvage buyer being the most common.
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Sounds to me that most of you have never dealt with your insurance company in a proper manner. The insurance company works for you, generally it's replacement value or replacement of your like vehicle. In the event someone has recently usually w/in 6 months put tires, engine, tranny etc. as long as you have proper receipts they will reimburse for the cost. However if you have a company such as Freeway, Eastwood and other chump cos. then you will probably have less chance of getting proper reimbursements, less educated phone people. I deal with Allstate, AAA, and Kemper Co. for my vehicles, boat and homes and thankfully I've never had one problem feeling like I've been treated unfairly. I will say this they will always try to get off cheap, just don't give in and I can assure you they will reimburse you properly. Two examples, my nephews 98F150 worth probably $4K lady pulls in front of him, her fault, his insurance AAA takes care of everything, gonna get paid back by her company, he walks with $9K, replacement couldn't be found in as nice of condition and he had recent receipts. My cousin gets hit broadside in his 87 Chevy 3/4 ton worth probably $6K since it was very clean, new engine interior, etc. walked w/$12,500.00 no replacement and current receipts. Don't let the company take advantage, ride it out. LKQ is a salvage yard company that is nationwide, they also own Keystone.
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Read your policy. You will find something similar to the "Right of Appraisal" This is is all policies in case you and the carrier disagree on the value of the loss. If you are sure that the vehicle is worth more, demand that this claim is settle through the Appraisal process. You will need to retain an independent appraiser to place a value on truck. Follow the language in the policy. This is generally your only recourse.
CCC and ADP are companies who place values on total loss vehicles for insurance companies.
LKQ means the same quality as is on the vehicle at the time of the loss or more commonly known as used. Not a problem normally. With regard to retaining the vehicle the salvage value can be determined a number of ways. A % based on a salvage contract or the bid from a salvage buyer being the most common.
Unfortunately, an Appraiser isn't going to appraise the vehicle higher unless it is allowed in the policy. But if they're a claimant in the claim (the person getting hit) then they have the right to be fully reimbursed, depending on what receipts they have. And usually they get charged betterment on their tires, batterys, belts, and small crap like that
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Sounds to me that most of you have never dealt with your insurance company in a proper manner. The insurance company works for you, generally it's replacement value or replacement of your like vehicle. In the event someone has recently usually w/in 6 months put tires, engine, tranny etc. as long as you have proper receipts they will reimburse for the cost. However if you have a company such as Freeway, Eastwood and other chump cos. then you will probably have less chance of getting proper reimbursements, less educated phone people. I deal with Allstate, AAA, and Kemper Co. for my vehicles, boat and homes and thankfully I've never had one problem feeling like I've been treated unfairly. I will say this they will always try to get off cheap, just don't give in and I can assure you they will reimburse you properly. Two examples, my nephews 98F150 worth probably $4K lady pulls in front of him, her fault, his insurance AAA takes care of everything, gonna get paid back by her company, he walks with $9K, replacement couldn't be found in as nice of condition and he had recent receipts. My cousin gets hit broadside in his 87 Chevy 3/4 ton worth probably $6K since it was very clean, new engine interior, etc. walked w/$12,500.00 no replacement and current receipts. Don't let the company take advantage, ride it out. LKQ is a salvage yard company that is nationwide, they also own Keystone.
That's actually surprising that Allstate and AAA has taken care of you well. That's rare. AAA is one of the cheapest companys I've worked through, using as many LKQ parts and Aftermarkets parts as they can, and save a dollar anywhere they go. But if you're happy why change right ;)