Our 9-5 wagon was totalled by a drunk a couple years ago while we were stopped at a light.

The first offer by our insurance company was a joke: when pressed for how they came up with such a figure, the claims agent sent us a copy of some document they used: it compared our vehicle - loaded, with virtually every option, and in top shape inside and out - with one they found somewhere else in our state with nearly 50K more miles and half the installed options!

I simply "declined" their offer politely but firmly, which apparently caught the agent somewhat unprepared. I also called my local agent - who sold me the policy - and read her the riot act. They came back with 30% more a couple days later. I then pointed out the options they had missed (I actually went out and took photos of the relevant details!) and they gave me a bit more. In the end it was a fair price, but I was more than a little upset - but not surprised - at how we came to terms.

Personally, I believe that EVERY auto insurance company's goal is to get rid of claims as quickly as possible. They don't really care about anything else. We were good customers - no claims at all until this one - and I'm sure our clean record had something to do with the end result.

YMMV. If it were me, I wouldn't let them take the car until the settlement was complete.

posted by 69.95.18...

• Total loss - insurance troubles, Matt Jost, Tue, 15 Dec 2009 19:34:40
  • Re: Total loss - insurance troubles, MARK G , Sat, 19 Dec 2009 00:24:15
  • And when all else fails....then write to, TG, Wed, 16 Dec 2009 08:16:26
  • Re: Total loss - insurance troubles, Slee, Wed, 16 Dec 2009 07:52:25
    • Re: Total loss - insurance troubles, steven, Wed, 16 Dec 2009 16:17:36
  • Rear ended?, Stephen Goldberger, Wed, 16 Dec 2009 07:23:30
  • what about the car that hit you?, TimBrown, Wed, 16 Dec 2009 05:22:46
    • Re: what about the car that hit you?, Matt Jost, Wed, 16 Dec 2009 10:28:34
    • Re: what about the car that hit you?, EGD , Wed, 16 Dec 2009 06:21:04
      • not necessarily., TimBrown, Wed, 16 Dec 2009 12:12:20
  • You are correct, john b, Tue, 15 Dec 2009 23:03:35
  • An alternate strategy, steve, Tue, 15 Dec 2009 21:37:52
  • Re: Total loss - insurance troubles, KP, Tue, 15 Dec 2009 21:31:04
  • A suggestion...., Herb Hirsch , Tue, 15 Dec 2009 21:09:34
    • Re: A suggestion...., saabsince 93b , Thu, 17 Dec 2009 07:47:34
  • Re: Total loss - insurance troubles, George K, Tue, 15 Dec 2009 20:11:23
    • Re: Total loss - insurance troubles, saabsince 93b , Wed, 16 Dec 2009 23:00:14
    • Re: Total loss - insurance troubles, westernny, Tue, 15 Dec 2009 20:38:21 <-- Viewing This Message
      • Re: Total loss - insurance troubles, B Millar , Tue, 15 Dec 2009 20:56:07
        • Re: Total loss - insurance troubles, saabsince 93b , Wed, 16 Dec 2009 22:57:51

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