Re: need advice dealing w/insurance co.

["Sal Guzzo" <pellom@yorku.ca>]

Shawn,

Good idea to go to the free legal counselling at yer school.  We try our
damnest to do our best and we get help from the seniors.  So essentially,
they are highly motivated to do their job although they don't get paid.

You should remember that the accident is not yer fault.  I don't know how it
works where you live but....

on the first day of school, someone rear-ended my 84 rabbit.  The book value
for this car is something like $500.  The total in damages was $1300.  Since
it was the other driver's fault, I ended getting the money with no questions
asked.  I spoke with one of the insurance profs at school and they basically
said that I shouldn't have a problem since it's not my insurance company
paying for the damages; rather it was the other schmuck!

Now my question to you is, does yer insurance company know who the other
driver is?  If that's the case  then your insurance company should be
fighting on yer behalf to get the monies owed to you from the driver who is
at fault.  If there is no other driver to collect, you have the burden of
proof to show that yer car is more valuable that the book value.

In my case, they had my car appraised and felt that the car was worth
fixing.

HTH and GL

Sal




----- Original Message -----
From: Shawn Rader <rader@engr.orst.edu>
To: <scirocco-l@scirocco.org>
Sent: Monday, November 13, 2000 6:28 PM
Subject: need advice dealing w/insurance co.


> Well, wouldn't ya know it, as soon as I get my '81 rocco running good a
> Fed-Ex truck backs into it. It's been a pain in the ass dealing with the
> insurance company (Krawford and Company). They didn't contact me until 4
> days after the accident occured, and that was only because after calling
> six times and only getting voice mail I finally left a message
> saying I was going to consult an attourney if I didn't get a responce back
> that day. So 15 minutes later I get a call back and of course they are
> trying to be all polite about the whole situation, claiming they tried to
> contact me at home (they didn't), and left a message on my answering
> machine (they didn't).
>   Anyway, what I am worried about now is that the insurance company
> won't pay for the full cost of the repairs ($1200) because they exceed the
> book value of the vehicle.  The guy at the body shop told me the insurance
> appraisers try to do this whenever they can.  Considering the experience
> I've already had with this company I'm not expecting them to cough up the
> money without a fight, so I'd like some advice on how I should deal with
> the situation. The university I attend has free legal councelling for
> students, so I think that will be my first stop if I have any more
> problems.
>   For anyone interested, the damaged occured at the front left fender.
> The strut housing is bent, the alignment is outta wack, and the wheel
> berring is making noise around turns.  The accident occured in the parking
> lot of my apartment complex.  I had just pulled out of my spot to go to
> class when the big Fed-Ex truck parked in the middle of the lot started
> going in reverse.  I layed on the horn but apparently the driver wanted to
> be sure he had hit someone before he came to a stop.
>
> Shawn Rader
> '81 Scirocco S (out of commision)
> ..and now..
> '99 Chevy Cavalier butt-ass-ugly sluggish piece of crap rental car
>
>
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