Glad you guys are ok. Sounds like you may have had what dealers call 'certified' cars with all work being done by the dealer. If so, get that documentation to possibly up the value to the insurance company?
Just a thought
Just a thought
This helped me a few years when I unexpectantly met a blond with a cell phone and ended with my car totaled.
This is a liability claim because you were hit from behind.......you have MUCH more negotiating power in a liability claim. The property damage is a drop in the bucket compared to the possible injury claim. You may not hurt much now, but if you were hit from behind hard enough to total the car........I'm betting you will be dealing with it for awhile.
I'd decide what the car is reasonably worth and tell the insurance company that's what it takes to settle the property damage portion of the claim......or, tell them to find you a comparable car with low mileage, good records etc.
I'd decide what the car is reasonably worth and tell the insurance company that's what it takes to settle the property damage portion of the claim......or, tell them to find you a comparable car with low mileage, good records etc.
Had a car stolen out of my drive years ago. OKC Police did not even want to come out to the house, took report over the phone. True. They found it at an apartment complex after insurance company paid me. They didn't pay much. It won't happen again dealing with them.
Best of luck to you and wife.
Best of luck to you and wife.
Glad to hear you weren't seriously injured. But, as was mentioned, it may be some time before you know the true effects of the injuries you have received. I'm afraid you could be suffering for a long time. Take care and good luck with the settlement.
I know of no insurer that uses MMR for total loss settlements. Who is using that these days?
Yes, today the wife and I are sore all over. Kind of like falling and three days later hurting all over and can't figure out why-then you remember-you fell. A USAA rep called me today and said they'd take the car from the wrecker company and place it under heir care and no storage charged accrued. Then they have my local rep call me and negotiate a settlement. My right eye is so swollen that I can't see out of it black and blue.
It might pay to have your wife see a doctor immediately.
On the daytime court TV shows (yeah, I know technically it's arbitration), one of the first questions asked is, "How soon did you see a doctor after the incident?"
The longer you wait, the more they tend to think you're just milking the claim.
On the daytime court TV shows (yeah, I know technically it's arbitration), one of the first questions asked is, "How soon did you see a doctor after the incident?"
The longer you wait, the more they tend to think you're just milking the claim.
KBB isn't the ripoff it used to be. When I was a legal intern (2013-2015), I worked for a bankruptcy attorney. We used KBB because it was usually lower than NADA, which was useful to us for keeping the value of the car below the exemption limit.
Can’t see due to swelling but the eye itself is ok. Now the Rt wrist is hurting and some ROM is less. Yep, went to the ER and rec’d treatment but if problems persist I’m going to family doc Monday. I’ve already told insurance company that I may go to the PMD Monday.
