Auto Car Company Insurance

My car insurance company has decided to write off my brandnew 2008 model car driven for less than 2000 KM. Black book is giving value for models till 2007 only.

Can I expect 100% of new car value from them? WIll it be negotiable? Do I need to hire a lawer if they offer less as only reason I am buying a new car is accident ( due other party's fault and accepted by them too).

If you have a problem with this claim - do what I did.

You tell them nicely but firmly that their offer is generous but not acceptable - then you tell them (not ask, TELL) them to replace the car with exactly the same model, same colour, same condition and same mileage. Then send them forecourt prices obtained from the dealer showing REPLACEMENT value ON THE FORECOURT. That is the replacement value - I did this and got FULL value

This is the minimum you will accept.

In fairness, for a car this new - you shouldn't get a problem.

2007-11-05 09:22:36 by Don Basco

*New York State Auto/Car Insurance Coverage Laws Explained We have two types of insurance in New York State required of every motor vehicle. One ...

I crashed my vehicle and the auto insurance appraiser said AllState will purchase the vehicle from me because the cost to fix it will be more than what the car is worth.

When I buy my next car, should I go with a different auto insurance company because my premium would go up if I stayed with AllState for the new vehicle?

Your premium will go up, regardless.

Unless you decide to make a fraudulent report, and NOT tell your new insurance about the accident.

Which they will be able to find out anyway.

2009-03-06 07:00:23 by Christine C

Price: $5.95 $5.95

i got hit by another driver. And, his auto insurance company pay for the damage and car rental. They pay $25/day for car rental. Is insurance company required daily amount PLUS car rental taxes if i choose to take money?

IF I UNDERSTAND YOUR QUESTION YOUR ARE WANTING TO COLLECT THE MONEY THE INSURANCE COMPANY WILL PAY TOWARDS A RENTAL CAR? THE INSURANCE COMPANY WILL NOT PAY YOU FOR THE RENTAL ,THEY PAY THE RENTAL COMPANY DIRECT.

2008-02-13 15:38:23 by kim

Price: $5.95 $5.95

Auto insurance company claims I need a different policy even though I would still be the only driver for the vehicle. The cost would be 50%+ than the normal price.
I perform consulting services and need a car to drive to their offices. I do not sell our haul products, this is solely used for commuting purposes.

Well see this is how it works. Since you are the only person to drive the car, if you were to hurt anyone with out the insurance thy can sue then the company.
I having a company ( my company) truck to make house calls hav it just incase it happons.The person injured can sue the insurance company and you and your company to. Take my advice get it.

2007-09-24 11:22:22 by John K

A car ran into our front yard, the driver claimed in the police report that she fell asleep on the steering wheel (this happened at 2pm). The car was totaled and did damage to our: lawn, fences on each side, mail box, concrete planter on one side, and major damage to a brick planter containing a mature tree (30 years old), the tree was also damaged.

We are told that the tree is hearty and will survive, but bark was removed by the impact of the car permanently damaging, scaring and deforming the tree. New growth on the tree will never cover this damage. No growth will ever take place over the areas where the bark was removed by the impact of the car.

I hired an arborist who placed a dollar amount on the loss of value of the due to the permanent scaring and deformity of the tree. The insurance company refuses to pay any amount for the damage for loss of value for the tree, (they are willing to pay only for the cost of trimming the transition area between the remaining bark and the exposed (bear) wood. The insurance company is willing to pay for the other damages (fencing, lawn area and repair the brick planter), but NOT for loss of value of the tree. We also had to replace (not repair) the entire brick planter with my own money because the repair job would not match the existing part.
Is it unreasonable for wanting money for the permanent visual damage to a mature tree located directly in front of my front door?
Before I contact AAA Auto insurance company, I need to know the most effective / best way to demand a settlement amount for the permanent damage / scaring to the tree. What things can I say or write to the insurance company?
What are my options before I file in small claims court?
Also who do I file against in small claims court? Is it both the driver, owner of the car, and insurance company or who?

This is a perfect example of how peoples rights get trampled every day as well as people getting ripped off... the best thing that you could do is have a lawyer send the insurance company a letter on their great letter head with a few fancy names telling them the same thing that you are telling them.. The difference would be that they would know that they can't screw you cause you have someone protecting your rights... the hard thing is in today's society it doesn't make sense to pay a lawyer 200 bucks an hour for a few hundred dollar problem. It sucks that it is cheaper to get RIPPED off and RAKED over some coals cause people know there isn't anything you can do, because they realize the same thing. If you want to prevent that from happening ever again take a look at my "protecting your family" blog on yahoo360 and gain the access you deserve to your rights. In this particular situation they could still help. If you want to know how contact me personally....

2006-07-21 23:04:36 by danchevz