USAA low balled me but I won this way - Saabnet.com Bulletin Board


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USAA low balled me but I won this way
Posted by Sam 8 (more from Sam 8) on Sun, 3 Jun 2018 20:44:27

In Reply to: Re: appraiser needed, '92 900T Conv, insurance company lowball, nelangland [Profile/Gallery] , Tue, 29 May 2018 16:45:37
Alert me when someone posts in this thread:

Consider NOT having collision if you have a Saab and prefer to keep it. Due to low resale value caused by people not knowing or liking Saab, if will be very easy for your car to be totaled. If you don't have collision, you can negotiate with the other at fault insurance company. If you have collision, your insurance will total the car and then seek reimbursement from the at fault insurance.

I have USAA and they totaled the car as well as low balled it. You have to look up your state insurance regulations. I am in Washington state. Washington state requires that insurance companies value cars based on what other actual cars are selling, not an appraiser or blue book value.

USAA cheated and selected cheap selling cars within the permitted 150 mile radius and then "weighted" them (like car A-90%, car B-2%, car C-8%). I caught them cheating and complained to the state insurance commissioner. On the deadline for their response, they would not budge but agreed to increase the condition of the car and decrease the salvage value to $100. They then told me a junk yard that would buy the car for more than the salvage value. All that manipulation resulted in a more fair value, which was close to my calculations. Because of our agreement, they were not required to respond to the insurance commissioner.

I don't like it that USAA cheated but it is good that they paid me a fair amount in the end. However, their cheating on valuation was not challenged on the state level so they almost certainly continue to do it.



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