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On 3 Nov 97, TomGingrow@aol.com wrote:
> I was recently in an accident in my 66 squareback, and from what I
> hear it's
> hard getting the true value of your car from the insurance agency.
> I was wondering if anyone could give me advice on dealing with the
> insurance adjusters, in order to get more money. My car was
> recently painted, and is in very good condition (mechanically and
> cosmetically). When I was driving another driver in a rental car
> pulled out in front of me. I managed not to hit him head on, but
> the whole right side (front fender, door, rear quarter panel) is
> damaged severely. It is still driveable, but the front axle seems
> bent.
Best advice is to carry collision insurance with your own carrier.
Place the claim with your own carrier, and let them fight it out with
the other driver's ins carrier; it's okay, they do that every day.
You will have a hard time getting more money than you have been
paying for. One of the reasons the rates are lower on an old car is
that the ins co. assumes that it isn't worth much so they charge you
for only as much coverage as they think you need. They do this
sight unseen, without really making it clear to you what is
happening. The only way to get around this is to buy a "stated
value" policy. The down side is that you then end up paying more.
OTOH, they will often try to get you to settle for a low amount. It
probably pays to play hard to get.
Jim
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Melissa Kepner Jim Adney
Laura Kepner-Adney
jadney@vwtype3.org
Madison, Wisconsin
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