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[ issue with Car Insurance Company]

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New Memember

Hello Law experts out there,

Someone has crashed in
My car was parked then one guy was
intoxicated drove his SUV crashed into
my car.
My car has been declared a total loss in
the accident.

After sending papers and police report, I
got from the "H***** M*** Insurance" the settlement ammount:

NADA $ 2,715
* Less 20% as car is prior salvage vihicle - $543
Less old damage
- $100
Plus sale tax
+ 103
Less deductible
$ 1,675

1. is NADA the only main source to quote ?

2. Why am I responsible for "deductible and
less %20 as car is prior salvage vihicle"
when I am not at fault ?

3. If you are in my shoe, what would you do ?

Many thanks,

New member.




I am a law school graduate. What I offer is mere information, not to be construed as forming an attorney client relationship.

Well, I fight to the death on such matters even if the legal mandates are not on my side.

I ask for a new car (mid 15k) and start there. The insurance may ask to pay out x amount, so I sue the person directly if I feel they are able to pay (SUVs aren't cheap).

Otherwise, if the car is a total loss: I should get fair market value at the instant before the car was damaged/ruined.

Hope this helps.

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