italie |
MAME owes italie many thank yous, hah
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Reged: 09/20/03
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Posts: 15246
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Loc: BoomTown
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Re: Well, the assholes on the road finally hit me.
08/24/13 06:48 PM
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> > Basically this lady destroyed my truck, and because it's old, the insurance world > is > > giving me back a resounding "Meh". I'm losing money out of pocket any way you slice > > it. If I want it back I might have to sue, which is even more money out of pocket. > > > > The only thing I can say for sure is she can bet her ass I'm showing up to court to > > ensure she gets her tickets. > > > > Long talk with the adjuster today, and no matter who takes care of it there are > > stipulations. They'll paint the dents, but anything below the trim line with rust > on > > it gets left as-is, including the fender/well covers that no longer have a place to > > attach. If I want a new fender, I can pay the overage on parts and paint. > > > > They can fix the suspension, but if they find rust on components they'll cut down > the > > amount paid out. They can fix the door hinge and latch, but won'd pay out on the > > lower half of it or replace with a used. > > > > If they cut me a check for a "totaled" vehicle, I'm getting $1500 - $750 > deductible. > > essentially enough to ensure I'll have a car note of some kind going forward. > > > > Just your typical only-italie type conundrum. Always on the bubble of everything, > > always unnecessarily over-complicated. > > It's interesting... I have a tendency to over-insure old cars myself, but I've never > been bitten by it. It definitely seems worthwhile, once the car gets past a certain > point, to just cut the insurance to liability only. Take what you save and stash it > in savings. If something happens, you'll be in a better position to either replace or > repair it, and you won't have to deal with insurance company BS.
The savings really inst that much, and the insurance on it is fairly lighter than the wife's car. I think liability only was something to the tune of ~$9 a month from my current price. That's a tank of gas over the course of a year...
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