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Old 08-31-2007, 11:33 AM   #1
gtstwincam
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Insurance claims information- fr: Adjuster

Do not leave your car sitting at a tow yard. The tow yard can liensale your vehicle and you can incur high storage charges. If not paid, you can get turned into collections.

Dont assume the insurance company is responsible for the storage. You have a duty to notify them where the car is so that they can at least make an attempt to recover it for you.

If the claim is under investigation to determine at fault, you need to get it out of a tow yard. Dont just let it sit there while the insurance is deciding at fault.

If they determine its your fault, you are screwed!

If they determine it is their insured's fault and if you have a $1000 storage bill and the car is still at the tow yard, the insurance co will pay for your car and "reasonable storage".

The car will be left at the yard and any excess is your responsibility.

Also, they will deduct addtl from your settlement. This is like you buying back your car because the insurance company was not allowed to recover it from the tow yard due to excessive storage charges.

Thus, you are forced to keep your own car and deal with the tow yard for the rest of the storage.

Just remember to have the car towed back home or to a storage free facility.

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Old 08-31-2007, 11:54 AM   #2
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nice info, posi-rep for you.
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Old 08-31-2007, 12:10 PM   #3
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yeah thanks for being open to advice. Great info. Subscribed!
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Old 08-31-2007, 12:13 PM   #4
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good info.
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Old 08-31-2007, 12:16 PM   #5
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Thanks for the info, posi rep for you.
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Old 08-31-2007, 12:21 PM   #6
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Interesting. Thanks for the tip. More big rep for you.

(newbs with red squares take notes).
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Old 08-31-2007, 12:21 PM   #7
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Definitely some good pointers!
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Old 08-31-2007, 12:27 PM   #8
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Old 08-31-2007, 12:50 PM   #9
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Old 08-31-2007, 02:00 PM   #10
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A+, my buddy could've use this advice a year ago. Mega rep points for you.
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Its a 98 LE (leather edition)
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Old 08-31-2007, 02:17 PM   #11
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Definitely good advice. Problem with 240s and comprehensive/collision is that the premiums for a year are damn close to the value of a clean shell... and if you request additional coverage (for aftermarket parts) it skyrockets.

$5500 for a S13. Wow. I'm definitely going to remember that.
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Old 08-31-2007, 10:22 PM   #12
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good info but my car is still worth more than $5500 with all the upgrades on it. About $5500 is still alot better than $1500. Will consider that.
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Old 08-31-2007, 11:42 PM   #13
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yea.. the guy shouldve bought it back.

i got into an accident shortly after receiving my stock 89 myself. anyway, it was totalled and i recieved about ~3300. re-registered under a salvaged title and repaired it with the remaining money after buying the car back. went from silver to white and zenki to chuki front. definately worth it, haha.

in my mind, i basically own a free s13 now. lol.

thanks for the tip, dude. i'll keep it in mind if something ever happens to another car of mine. +1.
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Old 08-31-2007, 11:44 PM   #14
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awesome info! Ill check with my insurance company tonite about my policy!
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Old 09-01-2007, 12:13 AM   #15
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Quote:
Originally Posted by gtstwincam View Post
I am a claims adjuster/supervisor for XXX insurance and also a fellow S13/S14 owner

I just totalled a very clean 1990 S13 the other day and paid $5500.00 to the guy.

He had the option to buy it back for $700.00.
What did the car have? Mods wise, cuz 5500 is alot for a zenki S13.
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Old 09-01-2007, 02:18 AM   #16
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yea lil more detail on how he got some much money for the car?
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Old 09-01-2007, 03:04 AM   #17
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hmmm...

Quote:
Originally Posted by Inland180 View Post
good info but my car is still worth more than $5500 with all the upgrades on it. About $5500 is still alot better than $1500. Will consider that.

Dont take this personal and Im not trying to insult anyone..



but if you modify a ford pinto with suspension, engine mods, seats, etc etc...

its still a pinto.

If you upgrade a house, it will increase value.
If you upgrade a car.... you just wasted money.

You can put a $3,000.00 stereo system in a $500.00 car and your car will still be worth $500.00.

Now if you are talking about classic muscle cars or vintage cars, thats a different story.
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Old 09-01-2007, 03:09 AM   #18
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car

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Old 09-01-2007, 03:15 AM   #19
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a tip

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Old 09-01-2007, 03:27 AM   #20
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what insurance company do you work for? so next time i needa renew, ill go to you guys lol
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Old 09-01-2007, 07:07 AM   #21
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uh...

Quote:
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what insurance company do you work for? so next time i needa renew, ill go to you guys lol
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Old 09-01-2007, 07:22 AM   #22
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I still can't see how someone gets $5500 for a 1990.

Did someone just pull that number out of the air?

Even with the "drift craze" you are talking about, that car is no where near worth that much.
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Old 09-01-2007, 09:41 AM   #23
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thanks for the advice
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Old 09-01-2007, 12:53 PM   #24
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pull out of the air?

Quote:
Originally Posted by JaeTea View Post
I still can't see how someone gets $5500 for a 1990.

Did someone just pull that number out of the air?

Even with the "drift craze" you are talking about, that car is no where near worth that much.

I work for the second largest insurance company in the US and youre telling me I did not settle a claim for a 1990 240SX for $5500?

Are you saying Im lying?

What insurance do you have? Ill be glad to give you a low ball offer on your car.

I wont go into details on how or why it was $5500.

You obviously didnt read the previous posts about Fair market value.

Is it just me or is this guy a tourist?

Dont ask me for help with any claims you may have in the future.

Youre lucky you got to read this post. I can easily delete it.
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Old 09-01-2007, 01:43 PM   #25
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very cool.
but then the fair market value would be completely different per region, right?

And.. all insurance companies use the FMV?
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Old 09-01-2007, 01:48 PM   #26
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Old 09-01-2007, 01:51 PM   #27
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What do you guys use to find the fair market value on the vehicle? Craigslist,autotrader,ect?
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Old 09-01-2007, 01:54 PM   #28
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lol

if i keep posting, the insurance companies will lose $ and then your premiums will go up. hahha.

just pm me if you have any claim questions.
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Old 09-01-2007, 01:57 PM   #29
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Old 09-01-2007, 02:23 PM   #30
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Wow, fantastic information. You're probably not even supposed to be telling us this.

Thanks
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