The banner above is an advertisment - if it asks you to download software, please ignore.
Site News - 3/26 M Car Covers (by State of Nine) | 12/12 Make Amazon Pay Saabnet!
Date: Wed, 06 Aug 2003 03:20:41 GMT
From: 'nuther Bob <yetanotherphonyaddressnopsamacereally.com>
Subject: Re: Need Insurance Adjuster Advice


On Tue, 5 Aug 2003 18:51:04 -0500 (CDT), markcharlesnopsamv.net (MarkC) wrote: >If >anyone has any tips on how to deal with insurance claims adjusters I'd >be greatly appreciative on any advice. Is it worth hiring a 3rd party >who specializes in dealing with adjusters? The first thing I'd say is that this is really specific to your state laws and insurance regulations. What the adjuster is required to do and your rights will definitely vary by state. In general, the adjuster will first look over the car. He will estimate the cost of repairs. Then he will compare that to the value of the car. If it's close, hew may ask you what you want to do. I don't think yours will be close. After a general determination is made on the value, he will attempt to actually verify the value through calls to dealers. Your car is old enough that I think he may end up using a Nada guide. In my state, they are required to pay you *retail*. That is, list price, they can't make assumptions about your bargaining skills at a dealer. They may also be liable for sales taxes and other initial charges. Things I suggest: Call the state Attorney General and/or Insurance Commission and ask them what your rights are in terms of determining the value in your state. Also, be sure to ask about time frames for the Insurance company to complete their work and send you a check. Check the Nada "old car" book. Were you at fault ? If not, the other party is liable for your losses so you may be able to sue - again, that varies by state. The adjuster is often a 3rd party already... be nice, he holds a lot of power. Some are a pleasure to work with, others not. If you end up dealing with an insurance company directly, be nice there too. They can do things a bit faster when they want to. Remember that the Insurance company does not want to pay and when they a have to, they want to pay as little as possible as late as possible. Some are better than others. Bob

Return to Main Index
StateOfNine.com
SaabClub.com
Jak Stoll Performance
M Car Covers
Ad Available

The content on this site may not be republished without permission. Copyright © 1988-2024 - The Saab Network - saabnet.com.
For usage guidelines, see the Mission & Privacy Notice.
[Contact | Site Map | Saabnet.com on Facebook | Saabnet.com on Twitter | Shop Amazon via TSN | Site Donations]