BlazedGlory
Junior Member
Not at Fault - Insurance Company not Paying Properly!?UPDATE! GOOD NEWS!!!
What is the name of your state? Georgia
About 3 weeks ago, a man changed lanes in front of me and caused a $3500 repair to the front of my vehicle. The cop wrote up the report in my favor because it was clear what happened. His insurance has accepted responsibility, but now they are trying to screw me on payment.
The car is a 1990 Nissan 240sx. My personal insurance agent told me to go to kelly blue book and get the value of my car to start. She said if they total the car, they should pay me dealer retail value (which in my case is $2k-$2200 or so).
Here's the curveball with this particular car though: The car has an engine swap and a performance build of the engine. The engine was $3k, and there has been an additional $10k or so put into the vehicle in performance modifications (mainly the engine build).
This insurance company is trying to total the car. I faxed them 65 pages of receipts ($8000 worth of engine parts) and prices for the $3k engine as well as another $2k or so of values for stuff that I have no receipts for. They said they gave me $600 in value for the engine and $250 in value for all the parts, and that they will give me around $1800 or $1600 if I keep the car with a salvage title. So even with that measley $800 this means they originally appraised my car at half what it should be worth according to my insurance company.
They are trying to say that most of that stuff has no value because the average consumer doesn't look for that sort of thing in a car, but the way I see it is that it is my car, I am not trying to sell it... their client damaged my property, and they need to pay for what it is actually worth. AND I have receipts!
What should I do? Do I have any grounds to get an attorney to help me? I got a letter today saying that the case has come to a standstill and if they don't get the required paperwork (title, etc) by 12/02, they are going to close my case without payment and tell the state I am not cooperating with them...
Thanks a LOT in advance
What is the name of your state? Georgia
About 3 weeks ago, a man changed lanes in front of me and caused a $3500 repair to the front of my vehicle. The cop wrote up the report in my favor because it was clear what happened. His insurance has accepted responsibility, but now they are trying to screw me on payment.
The car is a 1990 Nissan 240sx. My personal insurance agent told me to go to kelly blue book and get the value of my car to start. She said if they total the car, they should pay me dealer retail value (which in my case is $2k-$2200 or so).
Here's the curveball with this particular car though: The car has an engine swap and a performance build of the engine. The engine was $3k, and there has been an additional $10k or so put into the vehicle in performance modifications (mainly the engine build).
This insurance company is trying to total the car. I faxed them 65 pages of receipts ($8000 worth of engine parts) and prices for the $3k engine as well as another $2k or so of values for stuff that I have no receipts for. They said they gave me $600 in value for the engine and $250 in value for all the parts, and that they will give me around $1800 or $1600 if I keep the car with a salvage title. So even with that measley $800 this means they originally appraised my car at half what it should be worth according to my insurance company.
They are trying to say that most of that stuff has no value because the average consumer doesn't look for that sort of thing in a car, but the way I see it is that it is my car, I am not trying to sell it... their client damaged my property, and they need to pay for what it is actually worth. AND I have receipts!
What should I do? Do I have any grounds to get an attorney to help me? I got a letter today saying that the case has come to a standstill and if they don't get the required paperwork (title, etc) by 12/02, they are going to close my case without payment and tell the state I am not cooperating with them...
Thanks a LOT in advance
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