2016 GT PP hit by a semi

[Catax]

Just say you will not accept a repaired car and stick to your guns. Calmly explain that your car was not wrecked before the accident, not your fault and no logical reason for you to accept a repaired vehicle.

I really wish it was that simple

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[SpeedLu]

Just say you will not accept a repaired car and stick to your guns. Calmly explain that your car was not wrecked before the accident, not your fault and no logical reason for you to accept a repaired vehicle.

It doesn't work that way.

 

[klumpikat]

Best of luck in getting a favorable outcome. Glad you are ok.

 

[crs2879]

It doesn't work that way.

Everyone has their opinion. I was once an insurance adjuster, but you're probably right. He should immediately hire a lawyer.....that'll show them.

 

[EFI]

I was once an insurance adjuster

And how many times did you see a customer get a brand new car after he/she requested a new car instead of the current one be fixed (if the vehicle was in fact fixable)?

 

[crs2879]

And how many times did you see a customer get a brand new car after he/she requested a new car instead of the current one be fixed (if the vehicle was in fact fixable)?

Never said he could or should get a brand new car. I do think he can get retail value rather than a repair....but they may play hard ball, who knows? If the trucking company is at fault, the onus is on them to settle amicably, not the injured party. Do I think he can get more than retail value for the car? Probably not. But if he is not asking for medical costs, pain & suffering, lost wages, etc getting them to pay retail for the car rather than accepting a repair should be an easy negotiation.

 

[EFI]

Never said he could or should get a brand new car. I do think he can get retail value rather than a repair....but I'm probably wrong, who knows?

Ok, so how many times have you seen a insurance company shell out the full retail price of a car (in this case being somewhere in the high 20s) rather than shelling out the 8k for repairs?

 

[crs2879]

Ok, so how many times have you seen a insurance company shell out the full retail price of a car (in this case being somewhere in the high 20s) rather than shelling out the 8k for repairs?

I didn't post to start an argument. I was simply making a suggestion based on my experience. The adjuster has latitude to negotiate and his first offer is going to be repair because that is the easiest for them, simply cut a check to the body shop and they're done. He's guaranteed to getting nothing more if he doesn't ask.

 

[EFI]

I didn't post to start an argument. I was simply making a suggestion based on my experience.

I'm not arguing...I'm just simply asking questions to someone who seems to have experience in the industry. And I'm asking these questions because what you said (if true) would be amazing to us if we had the choice of repairs vs getting retail value on a damaged car.

My question is, what's financial incentive for an adjuster and the company to pay out full retail price on a repairable car?

 

[Gigantor]

A scary thing for a tractor trailer to hit you from the rear while
you are at a stop light.

Some insurance companies like liberty mutual replaces your totaled car with a new car

 

[crs2879]

You have to look at the circumstances. It appears the truck driver is at fault (generally, if you hit someone from behind, you are automatically deemed "at fault"). Lawyers are on TV advertising specifically for semi-truck accidents for a reason.

 

[G-Rell]

airbags go off?

 

[kz]

I didn't post to start an argument. I was simply making a suggestion based on my experience. The adjuster has latitude to negotiate and his first offer is going to be repair because that is the easiest for them, simply cut a check to the body shop and they're done. He's guaranteed to getting nothing more if he doesn't ask.

But you realize that if it worked this way, it would kill the collision repair business ? And how old of a car is still new ?
Rhetorical questions obviously. Even if it is totaled (depending on his insurance) he's not getting equivalent of a new car.

 

[Agent_S550]

Enjoy your new car.. that will be a 20K+ repair for sure at a Ford Dealer with Ford parts. If something like this happened to my car, I'd be getting a new one. No way I'd accept the loss of value

 

[crs2879]

But you realize that if it worked this way, it would kill the collision repair business ? And how old of a car is still new ?
Rhetorical questions obviously. Even if it is totaled (depending on his insurance) he's not getting equivalent of a new car.

I also said look at the circumstances. If you back your own car into a tree, of course your insurance company is not going to give you retail for your car. Besides, if the car is fixable, a body shop will buy it from the insurance auction....collision repair business unaffected.
Some are reading far too much into a simple suggestion.

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