Insurance

[atlsrt44]

I saw there was a thread on the other forum involving theft and insurance was discussed. I dont post on that forum but Ive been an adjuster for about 6 years now.

My experience is 90% on the homeowners/business side of things but i have a little on auto/liability.

If you guys have any questions let me know.

Except FL. All logic goes out the window with florida laws.

[EasTexOutlaw]

I was an auto adjuster for a couple of years. I quit after only two years because I want to go to heaven when I die.
Questions? 😁

[atlsrt44]

I was an auto adjuster for a couple of years. I quit after only two years because I want to go to heaven when I die.
Questions? 😁

Yeah because thats the reason you arent going to make it

[Mighty Mouse]

Beating his meat like it owes him money may keep him out.👼

[EasTexOutlaw]

Well, it DOES owe me money!

[Mighty Mouse]

Yes it does Tex. It got you into lots of trouble as a youth so it does owe you. I'm still pissed at mine!!

[BREEZE]

Garbage truck backed up over Karen’s conger years ago took 2weeks to get ahold of them time change back east and west time working during day and all was going to give us a ridiculous low pay off said it was fair market value told the guy to go home and sell his wife’s or daughters car for fair market gains he couldn’t do that it was sort more than that told him exactly got what I was asking but stilllow in my opinion

[atlsrt44]

Garbage truck backed up over Karen’s conger years ago took 2weeks to get ahold of them time change back east and west time working during day and all was going to give us a ridiculous low pay off said it was fair market value told the guy to go home and sell his wife’s or daughters car for fair market gains he couldn’t do that it was sort more than that told him exactly got what I was asking but stilllow in my opinion

So whenever a vehicle is a total loss the adjuster has 3 numbers a high low and middle. They will always start with the low. I always advise people to go to local car sites and get their own numbers to argue back.

[BREEZE]

Got 3 thousand more than they offered and I kept car to part out

[Old N’ Grumpy]

No offense meant atlsrt44 but imo insurance always tries to fuck you and they get away with it the majority of the time. Most people just take what's offered not knowing any better. I have never accepted a first offer and right now I am arguing with State Farm over my stolen aluminum trailer. They said they had three comps showing what it was worth. I said show me. Well sure enough all three comped my trailer conveniently missing two options I had which amounted to about $700. This, after I had given them my itemized bill of sale they still tried to screw me. Never trust them!

[EasTexOutlaw]

Randy, cheaper rates ain’t worth it when it’s time to file a claim 😉

[atlsrt44]

Man has a point.

[Old N’ Grumpy]

Good point Clint

[Son_of_Dog]

A guy pulled out in front of me two weeks ago and I just got the news that my car is totalled. They told me how much they'd pay in these emails:

image widget I have yet to agree to anything, is there a way to get more?

[EasTexOutlaw]

Oh, and yea, there is a way to get more - Tell em since the accident your neck has been getting really stiff and sore, now it's radiating down your right arm and the arm is starting to lose strength. It wasn't that way at first, but now it is becoming an issue.
Disclosure: I'm not advocating pulling the "dollar collar" scam...... But, If they are not giving you a fair offer, it is a way to get another grand or two. Don't sign a release until you feel they've made things right. Know what I mean?

[atlsrt44]

A guy pulled out in front of me two weeks ago and I just got the news that my car is totalled. They told me how much they'd pay in these emails:

image widget I have yet to agree to anything, is there a way to get more?

Do your own research and send it back to them. Nada,kbb, even go so far as to look on cars.com for your area. The key is to be as close to your original car as you can and to provide more than 1 example.

[EasTexOutlaw]

And also go to some of your local big car lots and dealerships websites and try to find a comparative vehicle (same year, make, model, options and close on mileage) - hopefully their prices are higher than the ones the insurance company found. Then you have negotiating leverage. They have to pay average of comparative vehicles in your area

[1olbull]

Clint,
I need ya!
Come up here and paint YurMama!
Only 2 fenders & the tank in lime green.

[EasTexOutlaw]

Steve, I’d do that for ya if I could 😎
I’m willing to bet Rob can accomplish what you need done though! He’s well self taught

[1olbull]

Rob is a rattle can man and after all the challenges painting his Rocket - Now retired!

[EasTexOutlaw]

Oh, I remember talking to to him once about buying a proper spray gun. Huh 😒

[skydog1000]

Steve mail it all to Clint

[1olbull]

???

[1olbull]

Who has your insurance John?
Are we back on track now?

[Mad Dog]

Another thread hijacked.

[1olbull]

Who has your insurance John?
We back on track now?

[Mad Dog]

I’m sorry sir.

[1olbull]

The thread tangent was my fault.
My apologies.

[atlsrt44]

I couldnt care less. I just wanted to offer free knowledge. If you guys want to discuss barbies no skin off my back.

[EasTexOutlaw]

Ok, show us your Barbie 🤭

[1olbull]

Ok, show us your Barbie 🤭

Barbie!!!
Is Kevin tearing apart another perfectly good Rocket???