In reply to Woody :
Because of work and the downpours I haven’t had the chance to check other doors but my drivers door has the body cladding catching on the front fender
In reply to Woody :
Because of work and the downpours I haven’t had the chance to check other doors but my drivers door has the body cladding catching on the front fender
dean1484 said:ebonyandivory said:Looks like $4,500 trade, $6,XXX private sale and $8,XXX dealer sale.
Not sure how accurate that all is but I read it on the internet.
You go by dealer pricing. To repalce your car you go to a dealer and purchas a new one. Those are the prices that they will usually go by.
Uhm, not usually.
Dealer advertised prices are 'retail'. A price nobody should be paying -- that is the starting point for negotiating. Insurance values a vehicle as 'private party' (if you use kbb.com as a guide). Privately owned vehicles are valued between retail and trade-in/wholesale.
I tell most people to use kbb.com Private Party value as a ballpark figure as it is usually close to what we wind up with.
If the trailer hitch is mounted to the frame (not the bumper) and it is pointed down...90% the frame is toast. The telescoped door(s) doesn't help it either. I'm pretty certain its a total from my place at the other end of the internet but then I've been looking at this stuff for 20 years in the field.
High, high miles and rusty rockers will hurt the value. 'Average' value assumes fairly clean interior, shine to the paint, no rust holes, decent but not new tires and so on. If the rockers are gone that will knock it down some. Bad clearcoat too. Torn seat. Cracked dash pad. Falling headliner.
Let them make the offer and then decide if it is what you think it should be. They will make an offer based on data from either price guides or (more likely) CCC Information Services. It will be a multi-page printout explaining just how they came up with it. If you feel it is too far off the mark then you research and try to prove them wrong. But be realistic about its value.
Quick run out and bondo/bedliner the rocker panel holes!
J/k not condoning insurance fraud
ddavid has it spot on. He stayed at a Holiday Inn last night, so he knows his E36 M3. 
Alternatively,
PLUS
EQUALS
In reply to Klayfish :
So if the vehicle that hit him was going 40 mph, then he just needs to get going 40mph with the chain/tree combo and all of the damage should reverse itself right? Should probably film that attempt for scientific purposes.
In reply to STM317 :
You must work for Progressive...
ddavidv said:dean1484 said:ebonyandivory said:Looks like $4,500 trade, $6,XXX private sale and $8,XXX dealer sale.
Not sure how accurate that all is but I read it on the internet.
You go by dealer pricing. To repalce your car you go to a dealer and purchas a new one. Those are the prices that they will usually go by.
Uhm, not usually.
Dealer advertised prices are 'retail'. A price nobody should be paying -- that is the starting point for negotiating. Insurance values a vehicle as 'private party' (if you use kbb.com as a guide). Privately owned vehicles are valued between retail and trade-in/wholesale.
I tell most people to use kbb.com Private Party value as a ballpark figure as it is usually close to what we wind up with.
If the trailer hitch is mounted to the frame (not the bumper) and it is pointed down...90% the frame is toast. The telescoped door(s) doesn't help it either. I'm pretty certain its a total from my place at the other end of the internet but then I've been looking at this stuff for 20 years in the field.
High, high miles and rusty rockers will hurt the value. 'Average' value assumes fairly clean interior, shine to the paint, no rust holes, decent but not new tires and so on. If the rockers are gone that will knock it down some. Bad clearcoat too. Torn seat. Cracked dash pad. Falling headliner.
Let them make the offer and then decide if it is what you think it should be. They will make an offer based on data from either price guides or (more likely) CCC Information Services. It will be a multi-page printout explaining just how they came up with it. If you feel it is too far off the mark then you research and try to prove them wrong. But be realistic about its value.
I was told this by two insurance company’s however this was for well used cars like the OPs. I would assume the newer the car the more what you are saying applies. I am sure each company has a formula to come up with the value based on the comps they get. I wonder how accurate a price from a place like Truecar would be? I have found that the retail value from NADA has always been very good. The funny thing is I see many people saying they get screwed by the insurance company and I am sure there are probably a few cases where that is true but for the most part I have really been impressed with the system. In all the cases I have been involved in the amount has always been with in a couple hundred dollars of what I thought it should be. Maybe my expectations are more reasonable. I always get a laugh at the person that thinks that there 2009 Malibu is some how worth 3k more than what the comps say. It is some how a special car. Ahhh no they only made about a billion of them. I was also told by an agent once that the company He represents was considering putting an exclusion for all aftermarket parts and upgrades to cars. So if your riced out Honda gets trashed you only get value based on a factory stock replacement. The theory behind it was that at some point these cars should have agreed value policy’s. Some one driving a Honda with 20k in modes should not pay the same for coverage that someone that has a bone stock one has to pay. I have no idea if this was actually adopted. I should ask him some time.
Klayfish said:ddavid has it spot on. He stayed at a Holiday Inn last night, so he knows his E36 M3.
Alternatively,
PLUS
EQUALS
Wait you mean this is not how I am suppose to do it.
Glad you're OK, getting rear ended is never a good time. They totaled my son's Jetta for a grille and hood ding when he slid into the back of a Jeep. $9,000 car, $4800 repair = more than 50% in repair costs, Scrap it.
Get yourself checked out by a doctor. I got rear-ended with much less "speed differential" and now live with the permanent and incurable jaw pain known as TMJ. Back of my head hit the headrest pretty hard, which is much better than breaking my neck. But it took me months to finally pinpoint the start of the pain to the month of my wreck. By then there was nothing I could do.
There is still nothing that could have been done anyway, but it would have been nice to at least be compensated a bit for this new reality of jaw pain until I die.
So as an example:
for my wife's hail golfballed 330i with 210k miles Safeco offered me 2500 dollars.
I had receipts for parts nearly $1k for the year, and I found cars in my area.
they had to be: local, (Not in another state). Similar mileage. At a dealer. No private sales. Similar options.
I found 6 cars on autotrader for $5k plus. I wound up getting credited a portion of the parts, they averaged their price and the comps and gave me exactly what I'd wanted in the first place, the $5k I had paid for the car 5 months earlier.
I also took a TON of pictures of the car when they took it to holding. In case it got dented/damaged there and they tried to tell me it was in worse condition that it was.
I at first had responded with NADA (which was 4.5k) and KBB and was told that for older vehicles they never use those and that I'd never get that much.
They probably won't respond well to private sale ads for price, but check Ebay Motors. If there are any that have sold locally you can see what price it actually sold for (not just the price it was listed for). The actual sale price will likely mean a lot more to them than listing price.
When my '11 Fiesta got totaled, my insurance co. said they looked at nearly 20 sales to get a price. It was more than I expected so I was happy.
The value it takes to total a car varies state to state - CA is "when not reasonable to fix" - not a fixed value. i.e. It'll depend on your state.
Follow this script:
Adjuster: "we'll offer $x,xxx."
E&I: "Hmmm....so that's property damage. How long will you leave med pay coverage open?"
Adjuster: "Huh?"
E&I: "Well, my back is hurting...just wanna make sure nothing is going on with that before I release medical claims. Say leave that portion of liability open for say...12 months?"
Adjuster: "would you consider releasing future medical for $1,500?
E&I: "Loss of use?"
Adjuster: "Another $300?"
E&I: "sell me salvage for $550?"
Adjuster: "$600?"
E&I: "Deal."
Does your insurance company allow you a rental until something is decided?
maschinenbau said:Get yourself checked out by a doctor. I got rear-ended with much less "speed differential" and now live with the permanent and incurable jaw pain known as TMJ. Back of my head hit the headrest pretty hard, which is much better than breaking my neck. But it took me months to finally pinpoint the start of the pain to the month of my wreck. By then there was nothing I could do.
There is still nothing that could have been done anyway, but it would have been nice to at least be compensated a bit for this new reality of jaw pain until I die.
Look into cranial sacral therapy, they can literally rearrange your skull bones...as near as I can tell.
E&I, there are currently two of these near me (houston,Tx) . Mileage 170-188K $$$ 4999-5999 one white one black.
In reply to maschinenbau :
Dude I had terrible TMJ where it hurt really bad every time I ate. It was miserable and I was even thinner than I would've been usually. (6'0" and 130lbs at that time) I finally spoke with an orthodontist who was able to hear and see the cause of the TMJ and recommended a splint combined with braces and while it took close to two years the TMJ is GONE and has stayed gone for over a decade. Yes it was expensive but it was 100% worth it. I do still have a bit of an odd fit between the upper and lower jaw but no TMJ and no pain.
914Driver said:Does your insurance company allow you a rental until something is decided?
We have the same insurance company! Yes, I’ll be getting a rental as soon as vehicle #2’s adjuster calls me back.
O&F, is that a real suggestion? I’m going to be seen for mid-back/subscapular and right hip pain today. I’m open to bargaining!
What kind of loss of use would I argue for? I just drive it to work and back.
Ovid_and_Flem said:Follow this script:
Adjuster: "we'll offer $x,xxx."
E&I: "Hmmm....so that's property damage. How long will you leave med pay coverage open?"
Adjuster: "Huh?"
E&I: "Well, my back is hurting...just wanna make sure nothing is going on with that before I release medical claims. Say leave that portion of liability open for say...12 months?"
Adjuster: "would you consider releasing future medical for $1,500?
E&I: "Loss of use?"
Adjuster: "Another $300?"
E&I: "sell me salvage for $550?"
Adjuster: "$600?"
E&I: "Deal."
Um, you know that's sort of "Dear Penthouse" stuff, right? It doesn't really work that way. It's not MEDPAY, first. An adjuster isn't going to leave a claim open for 12 months simply because you ask them to. If you haven't received any treatment, they may or may not offer you a dime, even if you make that veiled threat (trust me, they've heard it a time or two before). Otherwise, you're spot on.
I just want what to be able to buy a used Suburban. Don’t even want a Denali
Klayfish said:Ovid_and_Flem said:Follow this script:
Adjuster: "we'll offer $x,xxx."
E&I: "Hmmm....so that's property damage. How long will you leave med pay coverage open?"
Adjuster: "Huh?"
E&I: "Well, my back is hurting...just wanna make sure nothing is going on with that before I release medical claims. Say leave that portion of liability open for say...12 months?"
Adjuster: "would you consider releasing future medical for $1,500?
E&I: "Loss of use?"
Adjuster: "Another $300?"
E&I: "sell me salvage for $550?"
Adjuster: "$600?"
E&I: "Deal."
Um, you know that's sort of "Dear Penthouse" stuff, right? It doesn't really work that way. It's not MEDPAY, first. An adjuster isn't going to leave a claim open for 12 months simply because you ask them to. If you haven't received any treatment, they may or may not offer you a dime, even if you make that veiled threat (trust me, they've heard it a time or two before). Otherwise, you're spot on.
Forgive me....30 years of practicing law has me confused.
In reply to ebonyandivory :
Loss of use is usually figured as to what rental car is....usually $30/day or so with most insurance companies. And usually for 2 weeks or so until you settle case.
As far as hip/back pain. Is that a pre-existing injury that was aggravated in accident or something new? Either way you med expenses should be covered....and then question becomes should you get something for pain and suffering? Then loss of consortium for your wife comes into play. And lost wages. And yadadada...off to races
Generally adjusters will be reasonable as long as you're not trying to bogus up a claim. After all, they have a job to do. Just be careful about what you say as it can be used against you.
FWIW I represented insurance companies the first 10 years I practiced. Plaintiffs work for last 20 years. So I've pissed out of the tent as well as into it.
In reply to dculberson :
Thanks for the tips guys. Sounds like I'm not speaking to the right doctors.
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