SP-electronics

[justalayman]

What is the name of your state? Denial

[url]http://forum.freeadvice.com/showthread.php?t=333701[/url]

Don't be a hatin' just 'cause i'm right.
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I answered your questions correctly. Notice you now acknlowledge that the insurance is now having to pay market value rather than replacement value.

SP-Electronics: I found out that his insurance policy was "ACTUAL" value though today, not REPLACEMENT as he stated

Well, DUH! I think you heard this before somewhere.

Like I told you before, the insurance company may have a responsibility to buy the moon for their policy holder but only responsible to pay for the policy holders liability to you, which is FAIR MARKET VALUE. Nothing more.

They have no liability to you. The only liability they have is to their customer/client. Who would you sue if you were to sue anybody in this deal?; the shop owner.

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SP-Electronics: He's probably an insurance agent and he's upset that someone wants to get paid for their losses instead of just losing their shirt by taking their ridiculously low offers

I never said you shouldn't get paid for your losses., I merely stated you should get paid for what they are worth, not the exorbitant amount you claim they are worth.
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When you get that huge payout, come on back and show the check for that old Range Rover. Prove me wrong if you can.

[racer72]

Just another moron that wants to hear what he wants, not the correct legal answer. We have had a bunch of folks stop by lately with the same problem. I like to tell them to go talk to a local attorney and to print out the forum thread and take it with them. It will make them look like a bigger fool when the attorney tells them the advice they received here was correct.