[V8] Tis the season-Goodbye to my V8

[sdewitt at stx.rr.com]

I thought of insuring through USAA the V8 5spd and it was cost prohibitve for collision. 250 dollars a month for a 5000 payout in the event it gets totalled. 
The rule of thumb is if the vehicle is worth less than 5 times the 6 month premium it isn't cost effective to get collision. 



----- Original Message -----
From: Ed Kellock <ekellock at gmail.com>
Date: Tuesday, January 4, 2005 4:33 pm
Subject: Re: [V8] Tis the season-Goodbye to my V8

> When I rolled my 91 200q Avant, USAA first lowballed me then flatly
> refused any of the tactics mentioned below (and often in other cases).
> 
> I explained of the rarity of the vehicle.  I explained that the market
> for this particular vehicle is actually a nation one because they are
> so few in numbers.  I then submitted 11 verifiable evidences of actual
> sales to support the value of the car.  They dismissed them without
> consideration.  I went the route of telling them to find me an
> equivalent car.  They were completely intractable in that area,
> wouldn't even discuss it with me.  They finally told me to go to hell
> and that the only other recourse was to hire my own private appraiser
> and he would then work with their guy.
> 
> My "appraiser" presented to their guy the very same 11 evidences of
> value and he didn't have a fricken clue and rolled over and they
> finally paid me.  Took 3 months though.  Then they stiffed me on the
> storage of the wreck.  I got that phone call in the midst of packing
> to move after being layed off.  Cost me the storage and one telephone.
> There is one agent at USAA who now knows exactly what I think of her
> though (4 letter word, starts with a C) as if that's worth anything.
> 
> USAA then non-renewed me and banned me for 3 years.  Then, when they
> would talk to me, they would not cover my older vehicles for
> comprehensive.  S'ok though... I now give my money to an insurance
> company that gladly accepts it every month.
> 
> Ed
> 
> On Tue, 4 Jan 2005 13:46:40 EST, DieMarthaDie at aol.com
> <DieMarthaDie at aol.com> wrote:
> > 
> > In a message dated 1/4/2005 1:25:20 P.M. Eastern Standard Time,
> > bhitzler at kpbsd.k12.ak.us writes:
> > 
> > The  adjusters will always give a first time offer that's 
> laughable at
> > best,  it's their job. Just keep wangling with them. If you 
> still can't
> > come to a  suitable settlement let them find you another V8 in 
> similar> condition.  Either way it's a frustrating experience. 
> Just remember it's
> > the adjusters  job to leave you with as little as possible. 
> That's their
> > job description.  Good Luck, Bill
> > 
> > 
> > when my '84 5000s was hit (in '96), the adjuster offered me 
> $1200 saying he
> > could find them all over for $1000.  then I asked him to find me 
> THE SAME  car
> > before making his next offer.  it looked near perfect in/out, 
> had 103k  on
> > the odo (yeah, so it was broken... i didn't mention that) and 
> had every  option
> > (yeah so some of them didn't work...).  I also showed him 
> receipts  for work
> > done recently.  He came back three days later with a new offer 
> of  $3500.
> > 
> > Which I took :)  I paid $1250 for it a year earlier... so that 
> money  went
> > into an '83 CGT :)  whos sale helped finance the 90 V8... oh 
> it's an  ugly
> > place, that addicts head...
> > 
> > of course it helps when the incident is CLEARLY the other 
> persons fault and
> > you take it to an Audi dealer's body shop for a complete VIN 
> report and repair
> > estimate before the adjuster ever shows up.  just make sure you 
> hold  out
> > for a replacement in the same (provable)condition, especially if 
> you had  Tbelt
> > done, etc... based on mileage.
> > 
> > good luck!
> > stand firm and occasionally mention your sore back ;)
> > 
> > John
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