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Date: Sun, 29 Aug 2004 17:38:45 -0400
From: Bill <carsnospamvenh.com>
Subject: Re: Saab got hurt!!!!


By insurance industry standards your car is a "total". You have got a tough road ahead of you. But armed with the facts you may be able to recoup the maxim amount from insurance to help you get another decent car. With the trade in value of your vehicle being around $3600 most insurance companies will try and buy you off with a total for around this amount. They do not want to hear that "I want the same type of vehicle, the same condition, etc. etc". That is what the car is worth and they don't care that it is "your baby". Remember, in your case, that retail book value for the car is around $7500 so don't expect to get more than that. Do your homework and find out what your car is worth and what it is going to cost to replace the car. A good start is www.kbb.com. Do homework on other sites including ebay, your local classified papers etc. to determine the true replacemetn value of your Saab. The more information you have the more money you will get. In fact if you pick out a new vehicle ahead of time you may be able to negotiate a better settlement by telling them just to replace the car with this one. I have seen this done in the classic car arena. Remeber they only care about what your cars is worth not what it will cost you to replace it. Following these steps may help you get what you deserve. 1. Find out who the claims adjuster is representing....your insurance or the offenders insurance. If it is the offenders insurance...listen, take notes, and let him talk...you just listen. Bring a tape recorder. If he starts talking settlement ask if you can record that part of his statement. NEVER record that part of the converstation without his permission (get permission, date, time, name) on the recording. 2. DO NOT ARGUE WITH THE ADJUSTER. His only responsibility is to determine the cost of repairs. He follows rules and can not change them. Do not commit yourself to a settlement until you have had time to think about it. Do not agree to any of his "options" he is presenting to you. And if he asks you to sign something do not do so until you have had thorough time to read the paper work. (Remember it is still your car until you sign the paperwork). (Remember that the job of an insurance adjuster is to protect the insurance companies bottom line. They will do all they can to cut costs including trying to low ball you into a settlement). 3. Make sure you ask for a provided rental. The additional cost of this will help drive up the total cost of the claim and may give you additional negotiating power. 4.If you are not satisfied with your settlement you do have options. Speak to the insurance companies inside people about the settlement. This is usually a waste of time. Pester your agent. This will probably be unsuccessful too as they care more about their relationship with the company than with their client. 5. Talk to an Attorney. A good sleazy Lawyer can usually scare the crap out of the offenders insurance enough to get them to up the settlement. Remember with the record amounts of money about to paid out this quarter because of the Hurricane in Florida the insurance companies are going to try and cut costs any way possible. Good Luck LauraK wrote: > I was creeping along in a school zone at 20 miles an hour and a woman pulled > out of an apartment complex and ran right into the passenger side of the car. > http://www.madmousergraphics.com/accident/damage.html > Claimed she didn't see me. Must be the only stealth 9000CS in existence. A > clear day, perfectly straight street, she's sitting at the bottom of the hill > that I'm coming down at 20 mph. > Saab's doors did their job. The electronics all work in the doors (locks, > windows) and the inside is tight and waterproof. But the outside sheet metal is > pretty torn up. She was driving a Chevy Malibu. Ripped the front bumper and > part of the hood off of that. > Anyone have a clue how much this will cost to get fixed? And can it be restored > to the way it was? > It's her responsibility -- she was charged and ticketed -- and I've got good > insurance. But I'm afraid that they might just give me the value of the car > which may not cover repairs. It's a 1995 with 101,000 on it. If they do that, > I'm thinking it may be better to take the money and use it to get a 1997 9000, > at least as a downpayment. > I hate going through all this. First accident I've had in 20 years. > > > > > lauraknospamousergraphics.com > http://www.madmousergraphics.com > web design, print design, photography > >

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