F&#*ing idiots!!!
01-10-2018, 08:17 AM
#12
Join Date: Nov 2009
Location: MD
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I had state farm before they started raising my rates through the roof bc I was pooled into the young crowd and being a male ect... they wanted to raise my rates 40% and said it was a state reason...
Anyways when I had them I was run off the road by a school bus and they took care of it. My rates never went up bc of that. You have the best insurance company right now, use them they will take care of your headache for you. If only your rear quarter panel didn't get ****** that's like 14 hours of labor which is why they want to total the car. GL with getting your car back!
Anyways when I had them I was run off the road by a school bus and they took care of it. My rates never went up bc of that. You have the best insurance company right now, use them they will take care of your headache for you. If only your rear quarter panel didn't get ****** that's like 14 hours of labor which is why they want to total the car. GL with getting your car back!
01-11-2018, 08:42 AM
#13
Community Organizer
*begin rant*
Well..... because of a drivers neglect to pay attention. And me peacefully sitting in stopped traffic of course I was rear ended. It was me, woman behind me (also fully stopped), and idiot. And well idiot slammed hard into the woman behind me successfully enough to push her into me. And idiots insurance which is the s&$%#iest insurance company ever (Geico) they are totaling my car. Ok I thought... everyone I know makes out with insurance claims. Surly my 2003 great condition kinda high mileage car (160k) is worth something decent. Till they came back with the number.... 6,400......... I can’t not replace my car with 6,400..... So yeah.... nothing I can do unless I want to sue them and wait 6-9 month for litigation to come back with. A. More money, or B. The same amount and then also lawyer fees. And since I don’t have a second car my only hope at this point buy it back 1,100 (I’m good with that) so either way I’m buying it back. I’m just at a loss of what to do now.
*end rant*
Well..... because of a drivers neglect to pay attention. And me peacefully sitting in stopped traffic of course I was rear ended. It was me, woman behind me (also fully stopped), and idiot. And well idiot slammed hard into the woman behind me successfully enough to push her into me. And idiots insurance which is the s&$%#iest insurance company ever (Geico) they are totaling my car. Ok I thought... everyone I know makes out with insurance claims. Surly my 2003 great condition kinda high mileage car (160k) is worth something decent. Till they came back with the number.... 6,400......... I can’t not replace my car with 6,400..... So yeah.... nothing I can do unless I want to sue them and wait 6-9 month for litigation to come back with. A. More money, or B. The same amount and then also lawyer fees. And since I don’t have a second car my only hope at this point buy it back 1,100 (I’m good with that) so either way I’m buying it back. I’m just at a loss of what to do now.
*end rant*
Last edited by goldenfri; 01-11-2018 at 08:44 AM.
01-12-2018, 01:49 PM
#14
Oh, man. So sorry to see this. I agree with Jim - do not accept. Get a lawyer. You were hit. You are the victim here. Do not let them bully you into accepting less than market value. It is abusive the bullshit they try to pull.
01-17-2018, 05:40 AM
#15
OP Sorry to hear this happened I'm a delval guy and just happened to pop in. I wish I had sooner.
I am an insurance agent up here in the Philadelphia and have worked for a couple of commercial carriers in the past. Contrary to popular belief, if you are NOT at fault, you should not report this to your insurance company. Though it seems asinine, most insurance carriers will raise your rates even if you are not at fault. It does not impact your rates as much as an at fault, but it WILL carry weight in the future.
Either way I would lean on Geico a little harder, as someone mentioned before. The principal of insurance is to indemnify or make whole the person who has incurred a loss. Geico is clearly not doing that considering market value and future market value with prices on the rise. As much as a PITA it may help to just relentlessly call them and ask to speak to managers until they start to sway. Insurance companies will tell their people to not give an inch because most people will accept it and walk away. If you press on them a bit they should start to give, though I have spent most of my career on the commercial side I've worked with some personal lines as well. Either way I'll pop in to see how it works out. I hope you get what you're owed.
Good luck, and feel free to reach out if you need any advice. I'm happy to help where I can!
Last edited by Tdoolin18; 01-17-2018 at 11:04 AM.
01-25-2018, 09:43 AM
#16
I did reach out to my insurance and they don’t seem to offer anything more than what I’m getting. And I did hire a lawyer to pester them and also hired an independent auditor/appraiser and they submitted that over to Geico and they said no they won’t budge. And when talking to my insurance they said that they don’t go by grey market value (sale adds and dealer prices) they go by something else and not even NADA. they also go for the value of the car in its current state (wrecked) ...... my jaw hit the floor and I went off.
Me- “How does my car have a less value becuase it’s been wrecked?” “It wasn’t wrecked before this.....” “so you are telling me that I can take a stone and throw it through someone’s house window, and they come to me to replace it... say, 600 bucks. Then I say nah it’s broken so it’s maybe worth 200 bucks now and that my evaluation of it and that’s what you’ll get”
Her- “no windows don’t have depreciation”
Me- “yes they do. I can’t pull a window out of a house and sell it for full new retail value”... “ok then, you just bought a new John Deere lawn tractor for 10k. I run into it with my tractor 8 months later and it starts tumbling down a hill and destroys it, to replace the tractor they are going all day for 8k on Craigslist or certified at John Deere for 8,500. Now of course you want me to replace your tractor but I say here 3k for it seeing as how it’s been damaged now it’s not worth more than that”
Her- speechless
Me- “the vale of something isn’t what you think it should be, it’s what you can replace/buy it for. If a signed baseball car of Michael Jordan has sold for 4K and I have an identical one then that’s the value of the card. If my cars going rate is between 10-12k then that’s the value.”
anyways. I had a lawyer and they couldn’t scare them anymore and litigation could take 6-9 months and I can’t go without a car that long. I’m borrowing a 1989 accord. Can’t take it much longer. Or borrow it for much longer.
Me- “How does my car have a less value becuase it’s been wrecked?” “It wasn’t wrecked before this.....” “so you are telling me that I can take a stone and throw it through someone’s house window, and they come to me to replace it... say, 600 bucks. Then I say nah it’s broken so it’s maybe worth 200 bucks now and that my evaluation of it and that’s what you’ll get”
Her- “no windows don’t have depreciation”
Me- “yes they do. I can’t pull a window out of a house and sell it for full new retail value”... “ok then, you just bought a new John Deere lawn tractor for 10k. I run into it with my tractor 8 months later and it starts tumbling down a hill and destroys it, to replace the tractor they are going all day for 8k on Craigslist or certified at John Deere for 8,500. Now of course you want me to replace your tractor but I say here 3k for it seeing as how it’s been damaged now it’s not worth more than that”
Her- speechless
Me- “the vale of something isn’t what you think it should be, it’s what you can replace/buy it for. If a signed baseball car of Michael Jordan has sold for 4K and I have an identical one then that’s the value of the card. If my cars going rate is between 10-12k then that’s the value.”
anyways. I had a lawyer and they couldn’t scare them anymore and litigation could take 6-9 months and I can’t go without a car that long. I’m borrowing a 1989 accord. Can’t take it much longer. Or borrow it for much longer.
01-27-2018, 04:50 PM
#18
Buy a beater to get yourself by for the time being. Something like an older Corolla will be cheap and you'll be able to get exactly what you paid for it when you're done.
Good luck!
Good luck!
03-18-2018, 07:40 AM
#19
Good luck. I had a similar situation with my'05 Pilot. Company truck ran into the back with my son at the wheel. It was a family owned vehicle with 60k miles on it.
I was told there were going to total it before they even saw it. Thought the same thing and filed with State Farm. They turned it over to a 3rd party lots specialist who offered me about 75% of blue book.
I managed to get there other insurance company to come up about $1,500 from the original offer and stepped.II settled with the other insurance company. They insisted on taking legal possession of the car and then issued a salvage title when I bought it back from them.
I got it fixed and painted for less than the settlement but had to work through VA's insane repaired title process.
Evidently in VA, insurers have the upper hand in this matter with the laws in the state.
Good luck. Mine was a pain and it took my 6 months to work through it.
I was told there were going to total it before they even saw it. Thought the same thing and filed with State Farm. They turned it over to a 3rd party lots specialist who offered me about 75% of blue book.
I managed to get there other insurance company to come up about $1,500 from the original offer and stepped.II settled with the other insurance company. They insisted on taking legal possession of the car and then issued a salvage title when I bought it back from them.
I got it fixed and painted for less than the settlement but had to work through VA's insane repaired title process.
Evidently in VA, insurers have the upper hand in this matter with the laws in the state.
Good luck. Mine was a pain and it took my 6 months to work through it.
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