The weather is changing. Temperatures are dropping. This is a good time to start shopping around for those things you will need for your car “Snow tires, chains, shovels, engine heaters, etc. Remember that once the winter hits, the lines will get crazy and you will be waiting a long time.
Remember, temperatures will drop and [...]
The weather is changing rapidly. Prepare yourself for what winter has to offer. Snow is not here yet, but you can start preparing (budgeting) for those snow tires, sand, salt, anti freeze, etc. Keeping a warm coat in you car can become very useful in case you end up in the ditch!
Also, a mechanical inspection [...]
Are you entitled to a rental car in a total loss situation? How many days?
Insurance companies follow a standard process when totaling a vehicle. Usually, once you file a claim, the insurance adjuster looks at your vehicle statistics. They will look at your car’s mileage, make, year, and model. From there, they will try to asses the damage from what you tell them. For example, if the vehicle cannot [...]
You were hit and you had no fault of your own. Your car is a total loss, now the insurance company offers you substantially less than you are willing to take. The insurance adjuster will tell you that according to the comps in your area, your car is not worth much more than that, and [...]
Nope, it sure it’s not. The total loss process has been so manipulated by insurance companies to be completely cumbersome and difficult to understand. Also, since most states have allowed for statutes that can put you out of a rental car in as low as one day (Texas), then insurance company has the negotiation [...]
If you are ever involved in a car accident where your vehicle is declared a total loss, this situation will probably become an issue. Insurance adjusters are trained to deny completely any new equipment in your vehicle. Their theory is that they are settling a the total loss of an old car and the equipment [...]
Do you have a question? Do not want to hire an attorney to give you answer? And the insurance company is giving you the run around?
We had several inquiries via email per day! We realized that we needed to open the forum to questions. We are writing this site as fast as possible, but it [...]
The reason why the total loss of vehicles is a big headache is because most insurance policies only allow payment for actual cash value (ACV). What that means (as it should be defined in the policy) is that the insurance company will only pay for what the car would sell in your market the second [...]
The duty of good faith and fair dealing applies to all insurance companies and in the United States. They have duties codified in every state statutes. All states are very similar since these duty arises the same place, the second restatement of contracts.
There are duties that insurance companies must fulfill when dealing with the public. [...]
Someone hits you and you do not want the car fixed. The damage is so severe or questionable that you are wondering if the vehicle would ever bet the same?
Insurance companies are notorious for telling their clients that vehicle body shops will put the vehicle to the same position that it was before. I [...]
This is a much disputed subject and one that insurance companies are capitalizing on. If you are hit and your car is declared a total loss, then how many days do you have to find or buy another auto? Many states allow for only 3 days! Finding a car in three days is a challenge [...]
If your vehicle is a total loss, then you need to learn how insurance companies evaluate your damages and the fair market value of your car.
In many occasions, the fair market value of the car is not really “fair”, or at least not for the consumer (you). The insurance company has complete control on how [...]
Dealing with the total loss of your car can be very frustrating and very trying. Insurance companies add or leverage against you by cutting your rental car as soon as they can possibly can. Most insurance company would cut your rental car three days after they send you a payment for the total loss of [...]
