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DMala |
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Sleep is overrated
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Reged: 05/09/05
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Posts: 3989
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Loc: Waltham, MA
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Re: Well, the assholes on the road finally hit me.
08/24/13 05:58 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.
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