I would start by attempting to contact the local insurance commission. I don't see how they can make you pay for the salvage fees but would read your contract with them in depth. I don't know of a single insurance company that essentially ballparks valuations. If that's the case, arbitration should be easy to find in your favor as opposed to theirs. I would ensure you are dealing with them via email rather than phone as it leaves a trail. But seriously look into your policy and then file a complaint with the local insurance commission or regulatory body. It sounds like they aren't being truthful or completely forthcoming. I would email them your concerns and request specifics regarding valuation. Not sure how Canadian insurances work but this sounds fishy on their part.
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- #42
sitting in yard for a month now.
still waiting to hear back from them, no response about why it must be moved now. and today is that day..
here in BC, there is only one auto insurance company (did just hear another one is trying to break into the scene)
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- #43
totally agree
Out of curiosity, who is the insurance company. You are better off with some than others. I have my mother's 2005 Titan at the shop now, Someone clipped the front end. Rather than have it fixed her insurance company, AAA, totalled it. High blue book was about 6000.00. Without negotiation they offered her 11,500.00. or deduct 3300.00 and keep the truck. I had her keep the truck as in my eye's the damage was minimal.
She had a check for 8200.00 within a week and I did the repairs for less than 1500.00 and about 12 hrs labor myself.
I've had similar encounters with customer rigs with Progressive and Geico. Most of the bad experiences I've seen were with smaller or high risk companies. Even Allstate gave a customer of mine 26,000.00 on his 84 FJ60 that I had finished 8 months previous when I submitted copies of
invoices totalling just over 21,000.00.
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- #46
hey, thanks for the input.
here in BC, our only choice has ever been ICBC as far as I know
no competition usually means no customer service
It's unfortunate that the government would dictate so much of ones business. We even have the option of insuring with a company like Grundy
where we dictate the value of the truck and they create a payment according to what the truck is worth to us. If I want to value a beat up 65 FJ40 at $50,000 and willing to pay the premium , that's my business. As seen in the last election , there's still a huge part of our country that
believes the government has no business telling us how to handle our personal affairs.
Big Brother was sent back to rehab...at least for four more years.
where we dictate the value of the truck and they create a payment according to what the truck is worth to us. If I want to value a beat up 65 FJ40 at $50,000 and willing to pay the premium , that's my business. As seen in the last election , there's still a huge part of our country that
believes the government has no business telling us how to handle our personal affairs.
Big Brother was sent back to rehab...at least for four more years.
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- #49
will be pretty choked if it gets disposed of. have been to salvage yard, the guy knows i want to keep it and doesnt know why the INS. co has set a date.
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- #50
so its been 2 days short of a full month since ive heard from the insurance co about some questions.
-why i had to move truck or pay on a certain date
-proof of how they came up with current market value
-comparable trucks
its also bee nearly 2 months since i dropped off my daughters carseat and purchased a new one. they have yet to say a single thing regarding this or pay for the seat, like they said they would.
just getting curious.
any (more) thoughts?
thanks all
-why i had to move truck or pay on a certain date
-proof of how they came up with current market value
-comparable trucks
its also bee nearly 2 months since i dropped off my daughters carseat and purchased a new one. they have yet to say a single thing regarding this or pay for the seat, like they said they would.
just getting curious.
any (more) thoughts?
thanks all
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- #51
trying to upload images here. not a ton of damage, couple photos show the most
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- #52
and the rear
Sounds like it is time to involve your state insurance board and lodge a serious complaint. May also see about lodging something with the BBB and start down the road of letting everyone know what is going on. Maybe call local tv station if they have a segment on local businesses and tell your side of the story. Back when I worked for BestBuy there was a guy that did this by letting the TV Station know he was going to be holding a sign on a major intersection near our story with a website that described what we had done to him. After a day, one day, of him being on the news and multiple customers asking about him the store general manager got a call from corporate. Needless to say he was brought in the store and made VERY happy.
Every agent has a home office/regional manager they report to. Sounds like it is time to go barking up a couple trees.
Every agent has a home office/regional manager they report to. Sounds like it is time to go barking up a couple trees.
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- #54
will look into this. thanks.
thinking the BBB is key.
a friend in the same city was just in an accident on jan 1. other parties fault. he had a 2002 ford explorer truck, not suv, and was offered $6500 within 2 weeks. he happily took it. Wondering if because we were at fault (black ice) we are not getting the same attention.
should really investigate the details of our plan
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- #55
well...
thanks everyone. was great info and place to come back to.
havent signed any paperwork yet, but have $8500 waiting at the insurance office.
$7500 for the truck
$1000 for the tent
funny how they offered different prices, each time saying they cant pay more.
was the manager who actually started raising the payout after 1 phone call.
the truck is now parked at my house, so now begins the start of something else...
thanks everyone. was great info and place to come back to.
havent signed any paperwork yet, but have $8500 waiting at the insurance office.
$7500 for the truck
$1000 for the tent
funny how they offered different prices, each time saying they cant pay more.
was the manager who actually started raising the payout after 1 phone call.
the truck is now parked at my house, so now begins the start of something else...
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- #57
yeah, thanks. was excited to drive it this winter as i had fixed the heat in the fall. now after driving a 2 wheel drive in the biggest snow year ive seen, and got stuck too many times, i feel that itch to get back in a cruiser (it was always there)
so if any one has any leads on good framed, clean titled 60s, please do let me know.
Awesome to hear that the payout was to your liking. Now the question is did you ever go down the reporting their Customer Service to higher authorities or did the threat of doing such kick things in motion??
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- #59
yeah i did, they changed their tone. actually talked on phone with manager and it really sped things up
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- #60
want to put the battery back in and fire it up.
sure there is a few things to do before doing that after a rollover.
any suggestions?
sure there are threads around here somewhere.
sure there is a few things to do before doing that after a rollover.
any suggestions?
sure there are threads around here somewhere.