auto accident

[TOMMYT123]

What is the name of your state (only U.S. law)? new mexico,a company turned left in front of me while i was traveling 40 miles pe h(my air bag did not deploy)my vehicle is a 2007 gmc sierracrew cab loaded with low miles,wreck caused extensive damage to front end and caused damage to my neck and back,the repair shop stated the frame was bent both in the front and rear of my truck and would have to reported as that thus resulting in the value of my diminishing by as much as 12,000.00 dollars.my insurance company is telling me i have got to sing the papers to get the repair started or they will drop the claim and make e deal with the other insurance company my self(the accident happend 9/17/08 @12.30pm mst it is now3.02pm 9/18/08)any help or advice would be greatly appreciated thx tom t

[ecmst12]

YOUR insurance company will not pay diminished value unless your policy specifically states it will. You can let your insurance company pay for the repair and subro, but if you want DV, you will have to deal with the other carrier directly. Of course, you can't possibly know how much the value has been diminished yet, you will need to do research on that. The fact that they're ready to start the repair 24 hours after the accident is pretty damn impressive. You are also lucky it was not a total loss as you would be in worse shape if it was.

While I'm glad you turned off the Caps, it would also help if you could write in actual sentences with punctuation.