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Grex > Agora47 > #10: Bummer for the season after Summer | |
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| 25 new of 413 responses total. |
tod
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response 287 of 413:
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Nov 12 18:48 UTC 2003 |
This response has been erased.
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jep
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response 288 of 413:
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Nov 12 18:52 UTC 2003 |
I'd mentioned that I hit a deer and totalled my car. Now I'm dealing
with the insurance company.
AAA offered me $900 for the car; $1150 minus my deductable. I said
that wasn't enough. They offered me $1200 ($1450 minus the
deductable). I said you cannot buy a running car for $1450. I said
KBB.com evaluates my car as being worth $2000. They said I can't use
KBB.com because they don't sell cars. I protested that that's how
people *decide* what to charge for cars, and asked what my options were.
They said to get them 5 ads for similar cars and they'll consider
whether they should give me more. I found 5 ads for 1992 Taurus's, for
$3000, $2500, $2200, $2000 and $1800. Supposedly they're supposed to
give me an average of what similar cars sell for.
They said they will now take up to 2 more days to evaluate my car
again. If they give me $2050 (the average minus $250), I will consider
myself ahead of the game. If they give me $1800, I will consider it a
fair settlement. If they stick with $1200, I will be bummed.
I'm also bummed that it's taken over a week (accident was last Tuesday)
to get the dang insurance settled. It's not the worst thing in the
world, but it's annoying.
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tod
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response 289 of 413:
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Nov 12 19:00 UTC 2003 |
This response has been erased.
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rcurl
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response 290 of 413:
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Nov 12 19:12 UTC 2003 |
I'm amazed that your insurance company is going along with haggling over
the payment.
When we had a car totaled, it took several months to get the insurance,
which I would expect in any case. They have to get the police report,
to start with, and then inspect the car themselves, etc.
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mynxcat
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response 291 of 413:
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Nov 12 19:57 UTC 2003 |
When I had my car totalled, I got my payment within 2 weeks. And this
includes the time that the first check was lost in the mail, and they
issued me a second check. I have been led to believe that that is a
pretty normal timeframe. And I got about $3200, after my deductible,
which was higher than what I'd paid for the car, to start with
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edina
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response 292 of 413:
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Nov 12 20:23 UTC 2003 |
Gary's insurance paid out in about 3 weeks. He was in a brand new Jetta
within 4 weeks.
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keesan
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response 293 of 413:
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Nov 12 21:16 UTC 2003 |
People on chemotherapy are instructed not to get any vaccines because there
is a chance of getting infected by the weakened virus used in them.
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jep
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response 294 of 413:
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Nov 13 00:40 UTC 2003 |
Yes, there are still some 1992 Tauruses out there. I was driving one
of them until a week or so ago.
I'm surprised I seem to have found an effective means of disputing the
payout for my wrecked car. (If I have indeed found means.)
Why would it take months to get a claim completed? It took about a
week to get my check, the last time I had a totalled car. What would
someone do who didn't have another means of transportation while they
waited for their claim check? It seems to me that could be quite a
problem.
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mcnally
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response 295 of 413:
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Nov 13 01:07 UTC 2003 |
Try reasoning the other way around.. Imagine you're an unscrupulous
insurance company with a strong financial interest in keeping your
payouts as low as you can get away with. Now imagine you've got a
customer who didn't have any other means of transportation and for
whom being carless was creating a serious problem. What do you think
would be an effective way of getting him to accept a lowball payout?
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keesan
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response 296 of 413:
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Nov 13 01:31 UTC 2003 |
Do you have to pay higher premiums after you wreck a car?
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jep
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response 297 of 413:
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Nov 13 02:30 UTC 2003 |
I probably will this time, since a collision with a deer is considered
to be your fault.
Three years ago, my rates didn't go up because the other driver was at
fault. I'd slid on some black ice and stopped; she'd slid and crashed
into me.
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keesan
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response 298 of 413:
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Nov 13 04:13 UTC 2003 |
I have a library book on Roadside Michigan, which devotes several pages to
roadkill. Apparently there are a lot of roadkilled snakes and turtles because
the like to crawl out onto the warm asphalt in the morning to raise their body
temperatures. Raccoons are the most common roadkill in S. Michigan (I would
disagree - I see more squirrels). And the author says it is difficult to
avoid deer because they suddenly dart out onto the road. Coyotes are now
found in Lansing and the ones that got this far east apparently come from a
line of ancestors that learned to avoid cars, and you don't see them
roadkilled. I wonder if they teach their kids how to cross the road.
Occasionally there is a roadkilled vulture - they feast on roadkill.
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charcat
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response 299 of 413:
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Nov 13 07:04 UTC 2003 |
I hit a 4 point buck tonight with my 92 taurus, scared me to death but not
much damage to the car (can't open the passenger's door), couldn't find the
deer I hope it's not hurt too much.
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fitz
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response 300 of 413:
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Nov 13 10:24 UTC 2003 |
It's open season on '92 Tauruses. Huzzah! Go get 'em, deer.
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bru
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response 301 of 413:
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Nov 13 12:14 UTC 2003 |
92' taurus must be deer magnets. Need to take one up north to the cabin
during hunting season for bait.
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rcurl
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response 302 of 413:
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Nov 13 15:54 UTC 2003 |
One factor that delayed our insurance payment was that the car was totaled
in Ohio and the paperwork went through the Ohio State Farm system before
it got to ours in Michigan. The local Ohio police were also very slow in
getting their report to our insurance carrier. I presumed that this sort
of bureauocratic bungle was par for the course.
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gull
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response 303 of 413:
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Nov 13 18:52 UTC 2003 |
Re #289: As someone who is currently driving around an '86 Volvo, I'm
amused by that question.
Re #295: This is why it's a good idea to have a car rental rider on your
collision insurance. If you're actively costing the company money while
waiting for them to pay up, they're a lot more likely to work out a deal
with you quickly.
Re #302: State Farm also consistently has one of the highest rates of
consumer complaints about slow payments, fraudulant actions by
adjusters, etc. You might want to consider switching insurers.
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tpryan
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response 304 of 413:
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Nov 13 19:23 UTC 2003 |
re 288. Looks like you did some good research. Also consider
presenting them with the recent repair bills. New brakes on
a car should make a difference between an $1800 car and a
$2200 car.
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jep
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response 305 of 413:
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Nov 13 23:06 UTC 2003 |
re resp:299: Now there's a coincidence!
re resp:301: Shall I inquire about keeping the car, Bruce? You could
tow it to your hunting cabin and see if any deer are fooled.
re resp:304: As this was suspension work, I think the repair bill might
reduce the perceived value of the car, not increase it. I did mention
I just had $550 in repairs done on the car.
My claims adjuster called; she'd promised to be back in touch in 2
days, but requested to be given until Monday. Maybe she'll be kind to
me. I said okay, but added that it's costing me a lot to drive my old
pickup truck. It's costing AAA, too; the car is at a lot somewhere,
they're paying for storage for it, and they can't take it anywhere
until they settle up with me.
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tod
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response 306 of 413:
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Nov 13 23:10 UTC 2003 |
This response has been erased.
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russ
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response 307 of 413:
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Nov 14 01:36 UTC 2003 |
My good modem bit the dust, and it's something like a week
to get through the RMA system.
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richard
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response 308 of 413:
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Nov 14 05:47 UTC 2003 |
IBB Art Carney died this week at age 85. If you ever saw the classic
Honeymooners tv show, Carney was Jackie Gleason's sidekick. He was
Gleason's second banana for year on the Jackie Gleason Show and the
Honeymooners. Later he originated the role of Felix Unger in the Odd
Couple opposite Walter Matthau as Oscar. He also won an academy award for
playing the lead in "Harry and Tonto", a wonderful movie about an old man
who travels across country with his cat.
Coincidentally, the original 39 episodes of the Honeymooners are being
reissued as a DVD set this week. If you are a student of tv history, and
great comedy, this is a must have. And not the least because of Art
Carney, who was Ed Norton, and stole every scene he ever did on that show.
Gleason as Ralph Kramden and Carney as Ed Norton were later memorialized
in cartoon form as Fred Flinstone and Barney Rubble.
Art Carney RIP. He was one of my favorites.
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tsty
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response 309 of 413:
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Nov 14 07:14 UTC 2003 |
wow- my '92 taurus is wirth *taht* much!!! time to sell!!! i suppose i
oughtto replace theexhaust manifold first, though.
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bru
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response 310 of 413:
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Nov 14 14:52 UTC 2003 |
Take it hunting first!
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aruba
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response 311 of 413:
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Nov 14 15:52 UTC 2003 |
Re #308: Not to take anything away from Art Carney, Richard, but it was Jack
Lemmon who played Felix Unger in The Odd Couple.
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