insurance company hell with 4kq

[Chris Hall]

Too bad there's not a law that makes an insurance company give you
back the thousands and thousands of dollars you've givin them over the
years for no reason (at least up to a point that will replace your
car).

In the 15 years I've been with my current insurance company, I
estimate I've probably givin them $13,000... and the only 2 cars I've
had are an 83 Coupe GT and the 85 I "drive" (when it's not stalling
randomly lol) now.  If a tree fell on my 85 and totaled it, I'd
probably be lucky to get $1000 for it from State Farm.  So in reality,
I've paid this large corporation $13,000 to "insure" that when my car
gets totaled, they'll give me a whole $1,000.  BS.  Now that I think
about it... I only have liability  lol.  Oh well...

  

On 6/20/05, Doug Johnson <ur-quattro at msn.com> wrote:
> Nathan,
> 
> I hope I'm not to late to help, because I've got experience in exactly such
> a situation as you're in right now.
> 
> Firstly, contact your state's Attorney General, or the state's Insurance
> Commissioner.  They are the ONLY ones who can tell you what your rights are.
> 
> In my case, I was told I was entitled to a second appraisal of the value of
> my '87 4000CS quattro.  The independent appraiser, paid for by the at-fault
> party's insurance company, was approximately 50% more than the original
> estimate.
> 
> If this is your right in your state, too, make sure the independent
> appraiser sees ALL of your service and maintenance records.  I had routing
> service records, along with records of about eight years worth of routine
> oil changes.  That's all it took, in addition ton the fact the second
> appraiser was a car nut.
> 
> The hope is that either the car's determined to be of a valued high enough
> so that it's not totaled, or that, if it is totaled, you get more cash.
> 
> Please let me know how this works out for you, as I'm a fan of the 4000
> quattro, and I now drive an '86 that replaced my beloved '87.
> 
> Good luck!
> 
> ~ Doug
> 
> -----Original Message-----
> From: quattro-bounces at audifans.com [mailto:quattro-bounces at audifans.com] On
> Behalf Of Nathan Ray
> Sent: Saturday, June 18, 2005 1:34 PM
> To: quattro at audifans.com
> Subject: insurance company hell with 4kq
> 
> This is the only time when I regret driving a 19 year old car.  On wednesday
> I was peacefully driving my 86' 4kq in town and I got in an accident with a
> woman's honda.  Entirely her fault, she turned left in front of me at a
> green light, but it did a hefty bit of damage to the quattro.  It mashed the
> passinger side front fender, bumper, hood, headlight, and all of the
> headlight mounting frame/trim stuff, as well as the side and center piece of
> the silver trim that goes around the car, it also damaged the black trim on
> the passinger side door.  So I talk to her insurance company on thursday and
> they say that they accept the liability for the damages and to take it to my
> local audi dealer for repairs and the will handle everything.  So when I
> take it to the body shop for an estimate they tell me that the car is a
> total loss because it has $2700+ in damages and there is no way it's worth
> that much.  And I tell them that I don't care how much it's worth because I
> didn't crash it, somebody else damaged my car and they're responsible for
> fixing it.  This is all complicated because the shop can't get used parts
> because the only junk yard in the area with 4k's is a u-pull type place and
> they wont go and get the parts or take them from me if I pull them.  I now
> have to battle the shop and State Farm to not total my car. They have no
> comprehension of the fact that I like my car and I don't want money to buy
> another one, I just want mine fixed!  It's especially frustrating because
> I've already put like $800 into it this spring with a timing belt
> etc./coolant hose/heater core/slave and master cylinder job.
> Nate
> 86' 4kq freshly damaged
> 
> _________________________________________________________________
> Express yourself instantly with MSN Messenger! Download today - it's FREE!
> http://messenger.msn.click-url.com/go/onm00200471ave/direct/01/
> 
> _______________________________________________
> quattro mailing list
> quattro at audifans.com
> http://www.audifans.com/mailman/listinfo/quattro
> 
> 
> _______________________________________________
> quattro mailing list
> quattro at audifans.com
> http://www.audifans.com/mailman/listinfo/quattro
> 


-- 
Chris Hall
badcomrade at gmail.com
"making girls cry since 1974"