R
Rock11680
Guest
I guess I just have bad luck w/ cars considering this is my 2nd question on here. On 11/26/00 my car was stolen (I live in Florida). It was recovered the same night with damages. My insurance company made me go to a car dealership for an estimate. The estimate came to $2250 and the insurance company said that was more than 80% of the car's value - which I dispute. I told them that I would like to keep my car and not have it totaled. The adjuster told me that if I found an estimate of $1600 or less that I could keep the car and it would not be totaled. I went out and found this and submitted it to the insurance - who claimed to have lost it. I resubmitted it again. The adjuster called the repair shop to verify it was legit. Now they want to do contractual work with the repair shop rather than issuing me a check. The car is wholly owned by me and I think that if I want the check sent to me - then it should be. I can't afford to put my car in the shop for days at a time and this would be the reason I don't want the contractual work done. The adjuster said she is governed by Florida Laws to do contractual work because the car is totaled. But since I found an estimate below the 80% value of the car, then it is technically not totaled. What can I do? On top of that do I have any rights as far as the length of time it has taken them? It's been almost 3 months!!! Any help would be greatly appreciated!!!