[Vwdiesel] [VW-TDI] Re: Smooshed Golf Update-Insurance Hassle Stage Has Begun

Wed Nov 14 12:35:02 PST 2012

Dave, to reiterate what others have said, your insurance company should be
working as an intermediary between you and the other drivers' insurance.
 In my experience (and this was with a non-total, although I don't see why
it would make any difference), *your* insurance would cover the expenses to
"make you whole", and then they would recoup their costs from the other
guys' insurance and duke it out with them if there were a disagreement.

Have you been keeping your agent in the loop about this?  What do they have
to say?

Have you seen a doctor about your neck pain yet? :)  One thing they will
expect is for you to surrender any rights to future compensation for
injury/pain/suffering/etc before they pay you, and they should certainly be
willing to pay for you to surrender those rights.

On Wed, Nov 14, 2012 at 12:16 PM, Dave Cook <davevw at yahoo.com> wrote:

> **
>
>
> I just got off the phone with a USAA representative.  She said that they
> showed that they tried to call me on Friday morning but my voicemail wasn't
> working.  BS, I didn't have any missed calls, and I had my phone on me all
> day watching for a call from them.  And why didn't they try to call back
> Monday, Tuesday, or Wednesday.
>
> Anyway, she said that all the submissions I made didn't change the actual
> cash value at all.  We went around and around for awhile as I argued that I
> would have a hard time actually replacing the car for the $5816 they said
> was the actual cash value and that their job was to make me whole after
> their insured decided to not stop.  She argued that their only job was to
> pay me actual cash value.
>
> So we agreed that we weren't going to agree today and hung up.
>
> Not sure where to go from here.  I feel like that surely there is some
> sort of requirement for adjusters to get things off the "books" and if I
> keep fighting and not agreeing, they'll at least come up a bit.
>
> Thoughts?  Am I crazy in thinking this?
>
>
> Dave Cook
>
> ________________________________
> From: Dave Cook <davevw at yahoo.com>
> To: VW Diesel Group <vwdiesel at vwfans.com>
> Sent: Wednesday, November 14, 2012 8:11 AM
>
> Subject: Re: [Vwdiesel] Smooshed Golf Update-Insurance Hassle Stage Has
> Begun
>
> I sent an email to the insurance agent about the taxes, etc and salvage
> value and laws in Kansas.
>
> He stated that their company (American Family) pays for the taxes as a
> part of the settlement no matter what, but that they do it as a customer
> service thing, not because they are compelled by law.  So USAA doesn't have
> to pay that if they don't want to.
>
> And, as far as salvage, in Kansas there is no prescribed percentage or
> anything like that.  AmFam does what I think USAA did, and contacts several
> salvage yards to get bids based on the car and it's condition.
>
> He had someone from AmFam come up with what their offer would be for both
> settlement and salvage if they were the company doing the paying.  The
> salvage value was right in line with what USAA said (about $1400).  Looking
> at what TDI motors sell for, this really doesn't seem out of line, though I
> wish it were less, for sure.
>
> The offer for the value of the car was actually a lot lower than USAA's,
> but they also didn't come do anything like come and assess the condition
> (mine was in nice shape) or see exactly what options it had (such as heated
> seats, etc) so that number is less applicable.
>
> As frustrating as it is, I think I would rather decide that I like the
> offer(s) rather than have someone else deciding if they are fair or not.
>
>
> Dave Cook
>
> ________________________________
> From: Erik Lane <eriklane at gmail.com>
> To: Dave Cook <davevw at yahoo.com>
> Cc: VW Diesel Group <vwdiesel at vwfans.com>
> Sent: Tuesday, November 13, 2012 8:30 PM
> Subject: Re: [Vwdiesel] Smooshed Golf Update-Insurance Hassle Stage Has
> Begun
>
> Back when I was hit, I sent my insurance agent after theirs, and he
> really took care of it. A week or two later they gave me a check
> without any more fuss on my part.
>
> Good luck!
> Erik
>
> On Mon, Nov 12, 2012 at 9:02 PM, Dave Cook <davevw at yahoo.com> wrote:
> > Good points, I have been dealing with USAA, the company insuring the
> person who hit me.  I think most companies like to try to sleaze their way
> out of paying!
> >
> >
> > I did submit some ads for cars for sale late Thursday afternoon but
> haven't heard anything since then (but today was a holiday for them).
> Hopefully tomorrow I'll have a revised-up offer!
> >
> >
> > I have a good relationship with my agent, so I will stop in and ask
> about if there are any similar rules in Kansas about the fees for
> title/tax, as well as sell back price.  They told me the amount came from a
> quote from one of their yards that buys their salvage vehicles.
> >
> >
> > Dave Cook
> >
> >
> > ________________________________
> >  From: Stephen Sherman <spsherm at msn.com>
> > To: vwdiesel at vwfans.com
> > Sent: Monday, November 12, 2012 9:23 PM
> > Subject: Re: [Vwdiesel] Smooshed Golf Update-Insurance Hassle Stage Has
> Begun
> >
> > Not sure how it works in your state, but in Colorado the ins co pays you
> for the title and tax regardless if you buy the totalled car back.  If they
> total the car then they are admitting that the car is unfixable/undrivable
> so you need to find a replacement car. You are buying back the old one for
> parts.
> >
> > Sounds like your ins co is sleazing their way out. If they don't think
> you need to replace this vehicle then let them fix it. If they won't fix
> it, then it needs to be replaced and you will have taxes and title fees for
> the new one. Regardless if you want it for parts. They can't have it both
> ways.
> >
> > Also, most states have a set amount which the ins co must sell you back
> your totaled car; something like 5% of the amount they value it at.  I'd
> check what that value is for your state and ask the ins co why they want
> more (if they do).
> >
> > When I have had to deal with Ins co before in similar situations, I dug
> up several recent sales records for similar TDIs. The ins co was willing to
> accept those as proof of higher retail value than their number and went
> with that value.
> >
> > Good Luck.
> >
> > _______________________________________________
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