Not at fault accident - but I still get screwed?

lmnt9 · Post by **lmnt9** » November 16, 2006, 6:47 pm

I've perused these boards for quite some time and I recently had some bad luck with an auto accident and thought I'd pass it along for comment.

A quick intro - I was on Veeshan since just after release till the beta release of WoW. Was in Wrecking Crew and Infinite Odyssey up until I left for Wow. Toon was Klaarnon, 70 Nec. So Hi, how ya doin, here's what happened:

I work at a company that is located on a dead end street. There are two other businesses on this street with us and they are constantly receiving deliveries via large trucks.

Because the street is a dead end, the trucks come in and have to make all these crazy u-turn maneuvers to get back down the street and deliver. They are always blocking the street and having people move their cars, etc.

I have had to move my car several times, which is no big deal, however it finally happened. One of the drivers hit my car.

My car is a impeccably clean 1991 Honda Civic, which just recently was overhauled by a professional mechanic - including several racing parts, rebuilt engine, rebuilt xmission, etc. Perfect commuter car, good gas mileage - however to the trucker's insurance company - its only worth $2300. The repairs are estimated at $2000, however because of the fact that it was rammed into the curb - I am worried about damaged steering linkage and/or other unforseen damage.

As far as I am concerned, the trucking company and/or their insurance should put me back to the same state I was in before the accident. I should have a car in the same condition and should not be out of pocket any $$.

The insurance company will not pay out over the $2300 but I don't want to accept the check and sign away their liability. Is it worth it to sue? or is suing even a viable option? Or do you really just get screwed because you have an old car that you took care of? It just seems like BS to me that a careless driver can do this and not be liable for it. And by it, I mean EVERYTHING that he caused to be wrong with my car.

Thoughts?

Boogahz · Post by **Boogahz** » November 16, 2006, 6:54 pm

There really is no reason they should pay more than what the car is worth regardless of fault.

*edit* oh yeah, JACKASS!

Winnow · Post by **Winnow** » November 16, 2006, 6:58 pm

I don't recall ever cybering you.

noel · Post by **noel** » November 16, 2006, 7:02 pm

My first thought is... I'm shocked you're not a spammer.

Secondly: I think you're probably screwed unless you have recently had your vehicle appraised (who has?

). Even then, I think you're screwed.

If you know a lawyer, or can get one to sit down and talk to you about it without bending you over their desk, it's worth it to get a second opinion.

Boogahz · Post by **Boogahz** » November 16, 2006, 7:05 pm

Or talk to your own insurance agent/company. Even if you were not at fault, they may be able to assist.

but there still isn't any reason at ALL that they should pay more than the vehicle is worth. The only time anything like that would happen would be if you had a "collector" car that they hit.

Neziroth · Post by **Neziroth** » November 16, 2006, 8:32 pm

I think this is why cars are a horrible investment. Sinking any cash into your car is something you do at your own risk most of the time unfortunately.

I'm guessing if you have receipts for any aftermarket parts you could probably sue to get those replaced, but as far as having an "impeccable car" goes, that's only worth the bluebook value.

lmnt9 · Post by **lmnt9** » November 16, 2006, 8:58 pm

I kinda figured.. was curious if anyone had been in a similar situation and was able to find a way to get them to budge without involving an attorney.

I really disagree with how they place value on a car. It has 215k on it and runs like its brand new. With the recent rebuild I expect it to go at least another 100k. I have no car payment and in the 15 years I have had it, its only had 2 minor breakdowns - a clogged solenoid and a bad bearing in the drive shaft. To me it is "worth" the cost of something with equal functionality.

For $2300 I doubt I could find anything with four wheels and an engine that was highway legal.

I guess I look at it like, you break my custom stained glass window, I expect you to replace it with something similar - not a piece of plexiglass.

lmnt9 · Post by **lmnt9** » November 16, 2006, 8:59 pm

Winnow wrote:I don't recall ever cybering you.

Alzheimer's is a horrible disease.

Boogahz · Post by **Boogahz** » November 16, 2006, 9:33 pm

lmnt9 wrote:I kinda figured.. was curious if anyone had been in a similar situation and was able to find a way to get them to budge without involving an attorney.

I really disagree with how they place value on a car. It has 215k on it and runs like its brand new. With the recent rebuild I expect it to go at least another 100k. I have no car payment and in the 15 years I have had it, its only had 2 minor breakdowns - a clogged solenoid and a bad bearing in the drive shaft. To me it is "worth" the cost of something with equal functionality.

For $2300 I doubt I could find anything with four wheels and an engine that was highway legal.

I guess I look at it like, you break my custom stained glass window, I expect you to replace it with something similar - not a piece of plexiglass.

the problem is that you were not driving a "custom stained glass window" from what you have described in the thread. There are multiple ways to determine the value. Start with the book value, and then shop your area to find a replacement that is in the same condition (not just exterior looks, but under the hood etc.). Then try to negotiate for the money to buy that vehicle which you found. I was able to get my sister an extra 3k out of a company because they ONLY went by the book value. Her car could not be replaced within a reasonable distance of us for less than 12k and they were offering only 9 initially. This was the "book" value at the time too.

Sueven · Post by **Sueven** » November 16, 2006, 9:47 pm

I should have a car in the same condition and should not be out of pocket any $$.

In theory, if they pay you $2300, this condition would be met, since you could simply go out and buy another '91 Honda Civic.

If you couldn't buy a comparable '91 Civic for $2300, then you need to contest the appraisal. I'd talk to the insurance company with some kind of evidence that the car is worth more than that, such as selling price points for comparable cars in your area, or concrete facts about the value added by whatever aftermarket parts you had put in.

Your situation is complicated because of the aftermarket stuff. I don't know what standard appraisal process is for a modified car, or if it differs in any way from the standard sort of KBB'ing that goes on with stock cars.

If you can't convince the insurance company that the car is worth more than $2300, I don't see what you could do without an attorney.

Animalor · Post by **Animalor** » November 16, 2006, 10:13 pm

Insurance appraisals should factor in how high your spoiler goes.

One of these and you would clean up.

Serisouly though I don't think insurance companies care about the amount of money that is put into a car.

Do you have picture of the state of the car pre-crash? Those could probably help in determining the value (interior and exterior).

I would contact an appraiser in your area to see if they do after-crash inspections. you may havta pay a premium but if you weigh that against the money you put in the ride, it might be worth it.

Boogahz · Post by **Boogahz** » November 16, 2006, 10:24 pm

Aftermarket parts generally have to be documented by receipts showing install and such. As an agent, I still recommend that you contact your own insurance company. While they may not be paying anything out, they can still guide you based on the insurance laws in your state. Also, do some shopping around to replace your car yourself as I mentioned above. I can still almost guarantee you're not going to get a dime over the amount you were offered unless there are no cars like yours for sale in your area for that or less.

kyoukan · Post by **kyoukan** » November 16, 2006, 10:26 pm

An insurance adjsuter is bonused at the end of the year on how much money they saved for the company. It costs him or her nothing to lowball you, and in most cases book value for the car is what most people agree to because they can't argue that it wouldn't cost approximately book value to replace the car.

If you spent a lot of money on after market upgrades to a vehicle, they can be considered in the price of the car if you kept your receipts. If you can find smilar vehicles with similar upgrades for sale on ebay or craiglist then use them to support your claim. Threaten to take them to court (which would cost them money) if they don't pay. If it is under 5k you can represent yourself in most states and not look like an ass. Make sure you try to get it out of your adjuster first though; he probably has room to negotiate.

Investing money in an inexpensive vehicle is always risky though.

lmnt9 · Post by **lmnt9** » November 16, 2006, 10:26 pm

I didn't think about comparing similar vehicles in the area. I'll check into that - thanks for the tip.

And I do have picture of before and after. The car is actually still drivable, the front bumper was just broken off and bent down, but is still attached and the driver's side wheel has a couple of gashes in it. When I came out to see it, the car had been moved from being parked straight along the curb to having the front of the car kinda pointed into the curb and the wheels turned in towards the curb.

I always have a digi with me so I immedately took pictures at the scene.

As far as upgrades go, I do have all the receipts and have most of the service that was done on it documented. But I will definately try some of the suggestions and see what happens.

Arborealus · Post by **Arborealus** » November 16, 2006, 10:28 pm

My first thought was /jackass...then again I'm a traditionalist...

lmnt9 · Post by **lmnt9** » November 16, 2006, 10:30 pm

kyoukan wrote:An insurance adjsuter is bonused at the end of the year on how much money they saved for the company. It costs him or her nothing to lowball you, and in most cases book value for the car is what most people agree to because they can't argue that it wouldn't cost approximately book value to replace the car.

Yes... the initial offer was $1900. I got them up to $2300 by producing some receipts for recent upgrades and needing a rental car during repair. At this point they are saying that $2300 is the "ACV" Actual Cash Value of the vehicle and the cannot go above that.

Pherr the Dorf · Post by **Pherr the Dorf** » November 16, 2006, 10:33 pm

First of all jackmotherfuckinass!

Second, you don't get a dime more then kelly blue book, just like the person that bought the new car and got into the accident pulling out of the dealership, you are both screwed

Boogahz · Post by **Boogahz** » November 16, 2006, 10:36 pm

kyoukan wrote:An insurance adjsuter is bonused at the end of the year on how much money they saved for the company. It costs him or her nothing to lowball you, and in most cases book value for the car is what most people agree to because they can't argue that it wouldn't cost approximately book value to replace the car.

If you spent a lot of money on after market upgrades to a vehicle, they can be considered in the price of the car if you kept your receipts. If you can find smilar vehicles with similar upgrades for sale on ebay or craiglist then use them to support your claim. Threaten to take them to court (which would cost them money) if they don't pay. If it is under 5k you can represent yourself in most states and not look like an ass. Make sure you try to get it out of your adjuster first though; he probably has room to negotiate.

Investing money in an inexpensive vehicle is always risky though.

There's no need to represent yourself if you have insurance though. Your company should be there for you whether they are paying or not. Don't buy into the commercials from a certain company claiming that they are offering something different by providing you with an attorney. Also, not all companies give bonuses based on not paying for damages, so I am guessing that Kyoukan is using her overwhelming power of over-generalization again.

The point about the receipts for installed parts is true, but I see that you already got another 400.00 by providing them. The ACV might be the 2300.00, but that is where shopping around in your area will help you to determine how fair it actually is.

Boogahz · Post by **Boogahz** » November 16, 2006, 10:37 pm

Pherr the Dorf wrote:First of all jackmotherfuckinass!

Second, you don't get a dime more then kelly blue book, just like the person that bought the new car and got into the accident pulling out of the dealership, you are both screwed

Not true at all. It depends on the company, the state, and the coverages purchased.

oh, but the jackmotherfuckinass is true though

Nick · Post by **Nick** » November 17, 2006, 12:07 am

jackmotherfuckinass !

Sad to hear about you being shafted though, fucking insurance companies.

kyoukan · Post by **kyoukan** » November 17, 2006, 12:29 am

Boogahz wrote:Also, not all companies give bonuses based on not paying for damages, so I am guessing that Kyoukan is using her overwhelming power of over-generalization again.

Bullshit. Insurance in the US exists to take your money and give you as little as possible back. Adjusters are the front line money grabbers for the corporation. If you aren't getting bonused then you aren't doing very well at your job, which is almost so unsurprising that it was probably written inside a pyramid somewhere 4000 years ago.

Boogahz · Post by **Boogahz** » November 17, 2006, 1:46 am

kyoukan wrote:
Boogahz wrote:Also, not all companies give bonuses based on not paying for damages, so I am guessing that Kyoukan is using her overwhelming power of over-generalization again.
Bullshit. Insurance in the US exists to take your money and give you as little as possible back. Adjusters are the front line money grabbers for the corporation. If you aren't getting bonused then you aren't doing very well at your job, which is almost so unsurprising that it was probably written inside a pyramid somewhere 4000 years ago.

No, you're just full of shit as usual. You have no clue what you're talking about beyond the conspiracy nuts that rattle around in that fat head of yours. Eventually you'll learn to just accept when you're clueless about something and called out on your ignorance.

kyoukan · Post by **kyoukan** » November 17, 2006, 2:36 am

Oh I hit another nerve. It's okay dude. Maybe one day you'll get better at your job, if they don't fucking fire you first.

Boogahz · Post by **Boogahz** » November 17, 2006, 10:13 am

kyoukan wrote:Oh I hit another nerve. It's okay dude. Maybe one day you'll get better at your job, if they don't fucking fire you first.

teehee, Clueless Kyoukan

Morgrym · Post by **Morgrym** » November 17, 2006, 10:35 am

/jackass

If your insurance company is not involved, get them involved. Get the figure raised to a dollar under value. If it matches then the vehical is "totaled" and you won't get a dime more out of any adjuster. Gather up any proof you have of the modifications you have made to the vehical, figure out the differance and go to small claims court to make it back. Be warned though, if there is nothing wrong with what you are claiming (and you will need mechanic proof) the judge will laugh in your face as your case is dismissed. Your best bet is to get a check from the other company for the max ammount and find a back alley body shop to fix you up cheap (you will be suprised at their quality). Take the remaining money and fix whatever was not covered. Oh, and don't sign anything just incase you do have to go to court for something that is weakened and breaks months down the road due to the accident.

Kryshade · Post by **Kryshade** » November 17, 2006, 11:34 am

As an insurance adjuster, let me see if I can shed some light on the subject. First, I'd like to start off by saying... Kyoukan, your an idiot. Don't talk about things you know nothing about, it truly only makes you look more stupid then you naturally look. Adjusters do not get paid bonuses for short changing people. The goal of an insurance company is to put somebody back into their pre-loss financial condition. Nothing more, nothing less.

As far as your situation goes, a car has an ACV as you already pointed out. Certain factors can raise or lower that such as options (sunroof, alloy rims, excessive mileage, prior damage etc). There are in some cases times when an insurance company will consider refurbishments to a vehicle. A recently rebuilt engine, exceptional condition, etc. In your case, the extra $400 you got was most likley because you showed proof that you recently refurbished your car thus increasing the value. It all boils down to the fact that you have a 1991 Honda Civic. I can assure you that those cars are worth little to nothing in the market, as is shown on the NADA, Blue Book and ACV of your vehicle. I understand that you put a lot into your car, and I'm sorry that this happened to you. You do have the option of keeping your vehicle though. If it totaled it out because of cosmetic damage, take the ACV of the car and retain possesion of it, take it to a shop, have it fixed up and viola, your back to where you were before this happened.

I can also assure you that a lawyer will only screw you in this matter. First of all, lawyers don't represent people for damages to their vehicle, home, property etc. They only represent people for injuries. The reason is, property is only worth what it is worth, there's no money there for them to take.

If you have collision coverage on your car, I would suggest speaking with your insurance company and seeing if they don't use a different process, perhaps leading to a higher ACV, although I think you'll find that insurance is regulated state to state, so the processes will most likely be the same.

One last thing, if your vehicle was parked and unoccupied, there is absolutey 100% no way that you can have any fault what so ever in this accident, or be held liable in anyway, so if someone is trying to tell you that then I would certainly contact your insurance company.

Hope everything works out for you, sorry you have to go through this.

P.S. Kyoukan, just for once, stop spewing shit forth and speak in an educated manner. If you don't know what's going on, don't pretend you do.

lmnt9 · Post by **lmnt9** » November 17, 2006, 12:41 pm

Morgrym wrote: Gather up any proof you have of the modifications you have made to the vehical, figure out the differance and go to small claims court to make it back.

The only problem with this is that I believe you have to sign away their liability if you take the payout check? Or does that only apply to the insurance company - and I could possibly take the trucking company to small claims for the difference?

Boogahz · Post by **Boogahz** » November 17, 2006, 12:47 pm

lmnt9 wrote:
Morgrym wrote: Gather up any proof you have of the modifications you have made to the vehical, figure out the differance and go to small claims court to make it back.
The only problem with this is that I believe you have to sign away their liability if you take the payout check? Or does that only apply to the insurance company - and I could possibly take the trucking company to small claims for the difference?

What "difference" are you trying to get back?

Winnow · Post by **Winnow** » November 17, 2006, 1:00 pm

Kryshade wrote:
P.S. Kyoukan, just for once, stop spewing shit forth and speak in an educated manner. If you don't know what's going on, don't pretend you do.

Good luck! kyoukan has one speed, full shit ahead. She holds special powers to speak on behalf of everyone on VV. Keep an eye out for when she busts into "we are the world" mode and goes from first person to "we" speak. It's cute!...er, we think it's cute!

lmnt9 · Post by **lmnt9** » November 17, 2006, 3:19 pm

Boogahz wrote:
lmnt9 wrote:
Morgrym wrote: Gather up any proof you have of the modifications you have made to the vehical, figure out the differance and go to small claims court to make it back.
The only problem with this is that I believe you have to sign away their liability if you take the payout check? Or does that only apply to the insurance company - and I could possibly take the trucking company to small claims for the difference?
What "difference" are you trying to get back?

If repairs needed exceed the $2300. Like if there is damage to the steering linkage/system.

Boogahz · Post by **Boogahz** » November 17, 2006, 4:10 pm

lmnt9 wrote:
Boogahz wrote:
lmnt9 wrote:
Morgrym wrote: Gather up any proof you have of the modifications you have made to the vehical, figure out the differance and go to small claims court to make it back.
The only problem with this is that I believe you have to sign away their liability if you take the payout check? Or does that only apply to the insurance company - and I could possibly take the trucking company to small claims for the difference?
What "difference" are you trying to get back?
If repairs needed exceed the $2300. Like if there is damage to the steering linkage/system.

I seriously doubt you will get the funds in that case. The reason it is being "totaled" is because the amount of damage exceeds the value of the vehicle already. This is one of those times when you are probably going to be better off replacing rather than repairing. You could, as mentioned above, see about keeping the car and the cash (or a portion of it) and paying for any extra repairs. Basically, they are paying you the $2300.00 for the car. They are not paying $2300.00 to repair the car. They are not responsible for any repairs beyond the value of the vehicle.

I still recommend you contact your own insurer and speak with their claims department. If nothing else, they might be able to help with the negotiations. Doing so does nothing to your own driving record.

Siji · Post by **Siji** » November 17, 2006, 4:28 pm

I'll trade you my '02 Civic which just had over $8700 worth of repairs done (instead of being totaled out, figure that shit out) and now runs like complete shit. I'd rather have had the check signed to me to put towards a new car instead of now having a car I wouldn't trust driving across the state. I owe less on the car than the damages that were done.

BTW: I hit a lady that pulled out in front of me at an intersection going about 50 mph.. while I swerved at the last second, it was still a pretty straight on hit (damage was entire front end, hood buckling up , etc).. and the air bags did NOT go off. After doing some research on the web, it seems that this is a somewhat common occurrence (air bags not deploying on Honda vehicles). Personally, this will be the last Honda in my family.

kyoukan · Post by **kyoukan** » November 17, 2006, 7:21 pm

All the insurance adjusters start to crawl out of their caves now, leaving a trail of slime along their path as they try unconvincingly to tell everyone it is their job to "take care of the customer" and make sure they are fully compensated for their loss.

I love how every single counter argument is "you are stupid and gay and stupid and you don't know what you're talking about and I hope you die!" Gee, great job on trying to state your case.

Kyoukan, your an idiot.

ahahahahah.

Boogahz · Post by **Boogahz** » November 17, 2006, 7:24 pm

kyoukan wrote:All the insurance adjusters start to crawl out of their caves now, leaving a trail of slime along their path as they try unconvincingly to tell everyone it is their job to "take care of the customer" and make sure they are fully compensated for their loss.

I love how every single counter argument is "you are stupid and gay and stupid and you don't know what you're talking about and I hope you die!" Gee, great job on trying to state your case.

Kyoukan, your an idiot.
ahahahahah.

Nice post. You summed yourself up well with the portion I put in bold (figured bold would work since your reading comprehension skills are...lacking)

Lalanae · Post by **Lalanae** » November 17, 2006, 7:46 pm

She could be laughing at the irony of [whomever] calling her an idiot when [whomever] misspelled "you're."

Not that I'm calling [whomever] an idiot for a misspelling, but you know, thought I might make that suggestion

Edit: I don't know who she was quoting and too lazy to find out

Kryshade · Post by **Kryshade** » November 17, 2006, 8:50 pm

Care to share your experience with insurance adjusting Kyoukan? I'm more than happy to back up my statements with facts/experiences. What do you have to base your "facts" on?

Ahhh that's right... absolutely nothing.

Sirensa · Post by **Sirensa** » November 18, 2006, 11:10 am

Ricing is bad, mmmkay!

Xyun · Post by **Xyun** » November 19, 2006, 12:15 am

Well I work in a law firm and I can almost guarantee you will not get any more money than what they are now offering you. A lawyer will probably not take your case unless you are willing to fork up money in advance or give up some of the $2300 already offered you. Even if a lawyer can get you more money they are gonna take a chunk of it so you will end up with less than $2.3k.

I would definitely NOT call your own insurance company as the people here are suggesting. Most insurance companies will raise your rate for ANY fucking reason they can find, including helping you in this situation. In fact, a new pricing chart these companies are using adjusts your rate based on your credit score in addition to your driving record. It definitely depends on the company you have, but as I said I have a hard time trusting insurance companies.

Honestly you got fucked. Your mistake was investing a lot of money in a low market value car. Your car's value will never reach your investment in these situations and you are now learning the consequences. If I were you, I would take the money, sell the car and get a new one.

Seebs · Post by **Seebs** » November 19, 2006, 12:56 am

Take the $2300 and strip any of the decent stuff you put in your car out of it and set it on fire.

Then buy like a 95 civic and be the envy of the rest of the dead end crowd.

I remember you ingame - you were nifty

Boogahz · Post by **Boogahz** » November 19, 2006, 1:43 am

Xyun wrote:I would definitely NOT call your own insurance company as the people here are suggesting. Most insurance companies will raise your rate for ANY fucking reason they can find, including helping you in this situation. In fact, a new pricing chart these companies are using adjusts your rate based on your credit score in addition to your driving record. It definitely depends on the company you have, but as I said I have a hard time trusting insurance companies.

Credit as a rating factor varies depending on the state, and then the company. It will only be there if the state approves it, and I have not yet seen any indication of what state this was in.

The point about raising the rates is not accurate either. It does depend on the company, but with a not-at-fault accident you should not see any change. Where this does become an issue is if you're with a company that will non-renew your policy if you have more than one claim in a certain period. Again, this depends on the state you are in since anything like this is approved by the state first.

Whether you contact your insurer or not, they can/will find out. I still recommend using them to help with negotiations if you're not already accepting what was offered to you (the 2300.00).

Kryshade · Post by **Kryshade** » November 19, 2006, 10:24 am

I don't pretend to speak for others unlike some people who I won't mention... well ok, Kyoukan comes to mind. So I can't promise you that your rates won't go up, but I can assure you that this is a not at fault accident, where the vehicle was parked and unoccupied. Calling your insurance company to inquire about how matters are being handled by the other insurance company is a good idea. They won't increase your rates simply because you call in that an accident occured, especially if the other company has already accepted liability.

it definitely depends on the company you have, but as I said I have a hard time trusting insurance companies.

I wonder where this comes from? Sure, everyone has heard bad things about insurance companies, and there's the natural distrust of them. Is it because your forced to have auto insurance? Is it because people perceive them as money making machines that care nothing about their customers? Yes, insurance companies are there to make money, so is McDonalds. Do you go through the drivethru at McDonalds everytime thinking that they spit in your food or jipped you on your fries? Then why the same feeling for insurance? I am a firm believer that you get what you pay for, and that if your paying for some no name cheap ass insurance, then you're certainly going to see the results of that when it does come time to use it. I'm not naive enough to believe that insurance companies do no wrong, but to me I've never personally been wronged, so I don't harbor that same innate distrust others have. I dunno, maybe it's because I work for one, and I see from the inside what insurance companies do to actually HELP their customers. Insurance is a very competitive market, and a successful one, I don't think that stems from screwing everyone over. Just my two cents though... I tell you who I do distrust.... fucking lawyers! I work with lawyers on a daily basis now, and I see just how far a lawyer will go to fuck over the people their suing and the ones their suing for. I never hated lawyers before.... now I can't stand them and I agree with the overall perception they are true scumbags.

kyoukan · Post by **kyoukan** » November 19, 2006, 5:36 pm

Kryshade wrote:I don't pretend to speak for others unlike some people who I won't mention... well ok, Kyoukan comes to mind.

I tell you who I do distrust.... fucking lawyers! I work with lawyers on a daily basis now, and I see just how far a lawyer will go to fuck over the people their suing and the ones their suing for. I never hated lawyers before.... now I can't stand them and I agree with the overall perception they are true scumbags.

If I could harness the power of your hypocrisy I would solve the world's energy problems.

It is funny because the two times I've dealt with insurance claims, I've had to hire a lawyer before getting any satisfaction out of them. Neither case went to trial because the insurance company settled when they realized that they couldn't steal from me.

Kryshade · Post by **Kryshade** » November 19, 2006, 7:00 pm

I fail to see how my experience working directly with lawyers, and first hand knowledge of how they handle injury claims relates to your statement of hypocrisy. Unlike you, I'm not speaking out of my ass, nor am I speaking on behalf of others. Again, I have both knowledge and experience to back up my statements. If your not competent enough to deal with an insurance company that is actively trying to pay you for your accident, than I'm glad your lawyer robbed you of 33% of the money you would have gotten anyway.

As far as the insurance company settling with you before court. It's called LUC. Lowest Ultimate Cost.... it costs less in the long run to pay your lawyer some random demand than it does to actually go to court and pay the court costs. Again I would like to state that the settlement you got would have been the same regardless if you had a lawyer or not, and again, congrats on losing 33% of that to the guy who really only acted as a middle man to communicate with the insurance company. Apparently that was beyond your scope, so in your case, money well spent.

Winnow · Post by **Winnow** » November 19, 2006, 8:27 pm

kyoukan wrote: It is funny because the two times I've dealt with insurance claims, I've had to hire a lawyer before getting any satisfaction out of them.

What kind of moron needs hire a lawyer to handle a car insurance claim? If you're anything IRL like the rag you are on VV, it shouldn't be surprising that you can't accomplish anything on your own without being laughed at or hung up on.

kyoukan · Post by **kyoukan** » November 19, 2006, 8:48 pm

Kryshade wrote:I fail to see how my experience working directly with lawyers, and first hand knowledge of how they handle injury claims relates to your statement of hypocrisy. Unlike you, I'm not speaking out of my ass, nor am I speaking on behalf of others.

I've dealt with insurance companies and you've dealt with lawyers. I utterly fucking fail to see the difference. A lot like you, hilariously, utterly fucking failing to see the ridiculousness of trying to flame me for not knowing how insurance companies work because I don't work at one, and then you bend over, drop your pants and blow out your asshole about how much you hate lawyers.

As far as the insurance company settling with you before court. It's called LUC. Lowest Ultimate Cost.... it costs less in the long run to pay your lawyer some random demand than it does to actually go to court and pay the court costs. Again I would like to state that the settlement you got would have been the same regardless if you had a lawyer or not, and again, congrats on losing 33% of that to the guy who really only acted as a middle man to communicate with the insurance company. Apparently that was beyond your scope, so in your case, money well spent.

It only cost me a few hundred dollars to aquire the services of a lawyer long enough to consult with me about my claim and tell the insurance company that she was prepared to go to trial over damages the insurance company flatly refused to pay despite NUMEROUS meetings between myself, my adjuster and his supervisor. They realized they had no case to speak of and were merely refusing to pay out my claim in full in order to see if I would take the lowball or sue. See, it costs insurance companies nothing to do this, and most people will just take what you fucking pirates give them. If I didn't retain a lawyer, I would have lost thousands from what I eventually settled from my insurance.

Lawyers only get paid a percentage of the award if it goes to trial or if they estimate damages are going to high enough that taking a % would be better for them than charging out an hourly rate. They do that if the person they are representing could not realistically pay the attorney's hourly rate if the case was lost or damages were not high enough to cover the bill. It is called a contingency fee and an attorney would only charge that if they went to trial for punitive damages or personal injury. Although I am sure that you, as an expert on lawyers, knew that already and were merely making a ludicrous statement about how much I paid my attorney to amuse yourself.

Speaking of amusing oneself. Thanks a lot for trying to make me look stupid and coming off looking like a total asstard yourself. This has been very entertaining!

masteen · Post by **masteen** » November 20, 2006, 6:28 am

It sounds like this guy is just being stubborn about wanting to repair, no matter what the cost. Just strip the mods, take the check, and buy another one. I'm sure it will be equally as fast n furious.

*~*stragi*~* · Post by ***~*stragi*~*** » November 20, 2006, 2:17 pm

get your insurance company involved and they'll sue them for you.

but if you have a lot of after market shit in it, take the check and buy back the car and part it out and make triple.

Dregor Thule · Post by **Dregor Thule** » November 20, 2006, 2:39 pm

Wow, I've been avoiding this thread because I thought it was posted by another spammer ><

Cartalas · Post by **Cartalas** » November 20, 2006, 2:52 pm

kyoukan wrote:

Speaking of amusing oneself. Thanks a lot for trying to make me look stupid and coming off looking like a total asstard yourself. This has been very entertaining!

WOW!! get over yourself, First of all I do think he has made you look like a fountain of misinformation and 2nd of all he didnt need to, you do that job all by yourself.

/waves at the Dumb Bitch

cadalano · Post by **cadalano** » November 20, 2006, 3:29 pm

I work at a Retard Processing Center (RPC) in Gainsville and I have to say that my expert opinion is that Cartalas is a class F mongoloidal retardotron