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Message
Car insurance claim question
Posted on 9/15/15 at 9:58 pm
Posted on 9/15/15 at 9:58 pm
Was recently involved in an accident. It was other person's fault. My vehicle is chevy silverado.
I filed a claim with other driver's insurance(Liberty Mutual). After 2 weeks, I get a call from Liberty Mutual. Claim adjuster said that the truck is totaled. Market value of my truck is 11.5k. She said because I didn't try to get out of the way or beep my horn, Liberty Mutual is only responsible for 80% of the damages. Is this legit?
Any how, 80% of the 11.5K is around 9200. She said that they'll cut me a check for 6500 and I can salvage the truck for the remainder of the balance. Does this sound right?
Am I getting screwed by liberty mutual? What's my recourse?
Thanks...
I filed a claim with other driver's insurance(Liberty Mutual). After 2 weeks, I get a call from Liberty Mutual. Claim adjuster said that the truck is totaled. Market value of my truck is 11.5k. She said because I didn't try to get out of the way or beep my horn, Liberty Mutual is only responsible for 80% of the damages. Is this legit?
Any how, 80% of the 11.5K is around 9200. She said that they'll cut me a check for 6500 and I can salvage the truck for the remainder of the balance. Does this sound right?
Am I getting screwed by liberty mutual? What's my recourse?
Thanks...
7
Posted on 9/15/15 at 10:36 pm to PeteRose
Definitely sound like you are getting screwed. I would talk to your insurance agent
Posted on 9/15/15 at 11:28 pm to PeteRose
quote:
Am I getting screwed by liberty mutual? What's my recourse?
If you have collision coverage, file with your own insurance company and let them go after the other party's insurance to recover.
This post was edited on 9/15/15 at 11:30 pm
Posted on 9/16/15 at 12:47 pm to PeteRose
You aren't getting $2800 scrape for your truck. Maybe $500 if you are lucky. Don't take a dime less than 11.5k.
Posted on 9/16/15 at 12:52 pm to PeteRose
quote:Tell them that they'll be hearing from your attorney soon
She said because I didn't try to get out of the way or beep my horn, Liberty Mutual is only responsible for 80% of the damages. Is this legit?
Any how, 80% of the 11.5K is around 9200. She said that they'll cut me a check for 6500 and I can salvage the truck for the remainder of the balance. Does this sound right?
Posted on 9/16/15 at 2:25 pm to PeteRose
So the police report says fault 100 percent on their insured, but they say 80%?
I'd tell them you expect a check for full market value plus tax. I'd suggest to them if they are interested, they could sell it to a scrap yard for salvage and recoup some of their money.
The problem here is I'm not sure how much an attorney would charge here, and if you have to pay the attorney several thousand dollars, you are going to get screwed either way.
If you have an attorney friend who owes you a favor, this would be a great time to call it in!!
I'd tell them you expect a check for full market value plus tax. I'd suggest to them if they are interested, they could sell it to a scrap yard for salvage and recoup some of their money.
The problem here is I'm not sure how much an attorney would charge here, and if you have to pay the attorney several thousand dollars, you are going to get screwed either way.
If you have an attorney friend who owes you a favor, this would be a great time to call it in!!
Posted on 9/16/15 at 8:08 pm to PeteRose
Aren't you the same guy who just a few weeks ago said that he didn't carry health insurance because he was young, healthy and didn't worry about getting into traffic accidents? Consider yourself lucky that you weren't injured.
Posted on 9/18/15 at 10:41 pm to PeteRose
Are you in Louisiana
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