how do i get my insurance company to pay retail value on my car?

My car was stolen on the 5th of August, I made the claim to my ins. company. the car was recovered on th 15th of August in a not so great neighborhood. they took the engine, tranny well lets say only thing left under the hood was the fan and radiator reserve tank. my stereo, (alpine in dash navigation) wheels, headlights with hid bulbs and other things were missing. Now here i am almost a month later car payment is due and im haggling with my insurance company about paying retail. they had some company CCC valuscope to do market research, this report is all screwed up not only did the search up to 149 miles away form me but they didn’t search my specific model. so showing up are alot of base models. i OWNED a 2002 cadillac DHS, they compared my car to the base Deville model. the standard equipment is very different between the two. i just want retail for my car! SOMEONE PLEASE HELP

wellllll….

the short and not-so-sweet of it is that you are not going to get “retail” for your car.

You are only owed market value.

My recommendation:

Do your own research and provide your own documentation. Check their report to make sure it has all of your options. Provide proof if you have it. A super stereo is not going to make your car worth more money. Neither are tinted windows, a fancy paint job, sub-woofer in the trunk, special shocks or anything else like that. New tires will make a little bit of a difference. Clean vehicle history and service records will make a little bit of a difference.

If they did not use the similar make/model info then they need to go at least 1 year better AND they do need to use your make/model. That should not be hard.

It may be hard to find it in your area but as long as they have representative vehicles…that’s what they are supposed to have.

Soooo…good luck to you.

Oh – and you need to make sure they’ve been in touch with your leinholder to let them know they are going to total out your vehicle.

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No matter what exactly are we planning to buy, all of us have a tendency to discover the cheapest possible solution for our requirements. So, the very same applies to purchase Automobile Insurance.

Can anyone answer my question about my auto insurance policy?

okay, last december 2005 I was involved in a minor car accident due to weather conditions, and I had to pay my auto insurance company a “500 deductible” to repair the damages that I made to my vehicle, so they had fixed it. This august of 2007, I recieve a letter from my insurance policy attorney stating that I am being sue by the plantiff of the vehicle that I hit. Why I’m being sued if I was cover by my insurance policy and the plantiff car, and is there anything I can do to defend myself. Because they should go after my insurance company if they didn’t pay for the plantiff car…. not me.

Apparently your insurance company was not able to get the claim with the other party settled and the other party elected to file a law suit.

If it was a minor accident – the other person may have gotten a bit crazy with the medical treatment and run up a bunch of bills that your insurance company does not think are related to this accident.

The other person can not sue the insurance company. The law suit can not read “John Doe vs. XYZ Insurance Company”. The law suit has to be filed against you since you are the negligent party. You are the one who caused the damage/injuries.

The law suit also has to be served on you – not the insurance company. This is usually done by process server or certified mail. As soon as you get the suit papers -call the person who wrote you the letter – ASAP! The insurance company has a limited time to get an answer on file and the clock starts when you get the papers. Failure to get the answer in on time results in a default judgement against you (not good for you).

The insurance company will need to know when you got the papers and how. They will need the original papers but can give you a copy for your records.

Your insurance company will hire an attorney to defend you.

You can choose to hire an attny of your own at your own expense but you don’t need to. The defense attny that your insurance company will hire will be very competent.

You will need to cooperate with the insurance company and the defense attny. They will need to get information from you to answer the law suit. At some point, depositions will be taken and mediation may even happen. Very few lawsuits go to trial.

Most likley – the adjuster sent you the letter to give you a heads up that suit papers may be coming. I send those letters out when the plaintiff attny is really yelling threatening suit. The adjuster expects that the letter will prompt you to call them.

So call the adjuster – he/she will be able to give you more detail on what’s happening and how they will handle it.

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Sued auto repair shop. How do I get my money faster?

My car was stolen from an auto repair shop that didn’t have insurance in September of 2008 and I only had liability which didn’t cover theft. Since the shop was responsible for the safety of my vehicle, I took the owner to court and sued him and I won. It’s been 7 months and I still haven’t received any money and I can’t garnish his wages because he is self-employed. I placed a lien on some of his property but who is to say that he will even sell it in the near future? Any advice will be greatly appreciated. Thanks in advance!

You need to get an attorney. I say that because there is a LOT of liability involved when it comes to collecting judgments. Some of the options open to you include: garnishing bank accounts, garnishing personal accounts, having the sheriff seize and sell property (real and personal), etc.

A good attorney can walk you through this minefield. And did you record your judgment where this guy and his shop are? You should do that.

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Cheap Car Insurance?

I'm buying a car and need advice on cheap insurance for the first two years. I like the Toyota Yaris and the nature of my heart was set on one of these. Is it good?

This link provides data collected by iihs.org and should help you make a decision little less guesswork. Apart from http://www.iihs.org/research/hldi/ictl_pdf/ictl_0906.pdf risk associated with you as a driver (age, driving record, credit – In some states), one of the factors is how many times they have to pay the drivers for your type of car. The link above shows that for you. According to his data, insurance Vehicle paid by the companies 178% of the average injury claims and 134% of the collision. (Based on Scion Xa – same car) Insurance will probably be very expensive.

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What is the car insurance reduction for good grades?

i have a 4.0 gpa and i was wondering what the usual insurance reduction would be for good grades. ive heard anywhere from 7-20% based on companies but i just wanted to be sure. and also specifically what is the reduction for allstate insurance?

You can compare how the insurance quotes would change, for example here – autoinsurance.noneto.com