Dealing with insurance

[Hippie66]

I've learned something this week. Saving receipts can help in the event of an accident. Luckily I was able to have all of mine reprinted. I have submitted $454.45 to them to add to what they offered on my truck.

 

I also asked for documentation from them showing where they came up with their value of $2,655 for my '89 2 wd, 4.0, AX15 5 speed, shortbed. They used 1 truck for comparison, an '88 2 wd, 2.5 4 cylinder, automatic. I requested that they use a similar truck to mine as the basis, same thing they require of me if I want to contest the value.

 

I fired off an email with itemized list of parts, with pics of the receipts to back it up. I really want to settle so I can start repairs. I have the donor lined up, lift kit ready, and can't wait to start the 4x4 swap.

[Pete M]

keep fighting the good fight  :thumbsup:

[Hippie66]

Thanks. If they had just not decided to total it, they would have saved some money.

[Hippie66]

Looks like they have decided to raise the value of the truck and the payout on the claim. Waiting on the paperwork to be emailed to me. It pays to not accept the first offer and to do research.

[Pete M]

absolutely!  like most companies, they exist to make money and they *will* try to do that.  

[Hippie66]

It cost them double what I would have settled for. They screwed up when they decided it was a total.

[Hippie66]

Finally, after 2 weeks, insurance paid off and I can start repairs and upgrades. I came out good on this, got enough to buy the donor, custom winch bumper, winch, and a JD2 Model 3 tube bender, die set, and pocket a little. Still hate that they totaled it.