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Re: Insurance not paying up! help! (archive)

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Posted by dbruce on October 10, 1999 at 03:05:30:

In Reply to: Re: Insurance not paying up! help! posted by dbruce on October 10, 1999 at 03:03:54:

Threaten them with small claims court. Ask them what day they would prefer to go. Since this will cost them a fortune just to appear they will give up right there.

: Your insurance company should be doing the arguing for you......if not it's time to take advantage of the new ruling againt State Farm.

: Send letters to your local Attorney General and copy every important person on the planet. CC the the insurance company also.

: Once they realize it will cost at least $1000 to save them $1000 they will give up and pay whatever you like.

: : Sorry about the cross-post. I just need as much input to this headache as possible.

: :
: : My sister's car (97 Nissan Sentra) was hit by someone else (his fault). He hit the fender and the right pass. door. The was a police report. The damage is extensive, but mostly sheetmetal. She took it to the local Macco's and their estimate includes a new door, bumper cover, wheel, etc. that totaled to $2790.14 for parts and labor.

: : However, the insurance looked at it and said the car doesn't need new parts and wants us to use repainted used parts. Also, they're not paying to fix some parts (like the damaged inner door and alignment) that Macco specified as in need of replacement. They also claim that the car had had pre-accident scratches that they're not accountable for. The estimate came out to be $1362.28, far below Macco's. Lastly, they pointed us to some pretty shady places 40-60 miles away to fix the car.

: : My question is what are my rights and what am I entitled to? Can I request only genuine new parts? Can I use the bodyshop I trust? If so, how am I going to fight this? I don't want to hire a lawyer, but do I have a choice? Also, when I get compensated, am I obligated to fix the car or can I use the money for something else (like towards a new car)?

: : Thanks for your help,
: : Jack

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