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foxyrockie02
Guest
...this area with advice? I was rearended by a student at my school on Wednesday. His insurance company was nice up untill they estimated the damage on my car. I drive a Mazda 626, so I went to Mazda first and they estimated 3146. The insurance adjuster that works for them at Toyota Irving estimated 1200! I know their estimate is wrong b/c my car is completly falling apart in the back. What they want to do is, send me a check for 1200, and when I get the car fixed, they send the rest of whatever it costs to whoever fixes the car. (Also, I own my car, theres no lien or anything on it) I dont want to do that b/c the car is 9yrs old and dented in the front. I was planning to sell it in 6mths and buy a new car. Why would I spend 3100.00 to fix a car thats only worth 1500.00? I just want to get the bumper and muffler fixed so I can drive it to school for awhile, and use the rest of the money for my new car. But the way this insurance company works, they only want to pay the full amount if youre getting the car fixed. They didnt say this, but of course thats what it is! I know my rights, and they have to pay ME the full amount, because I own the car. Now as far as the lawyer, both my parents are telling me to sue, so that if I still have back and neck pain in a few months, I wont have to pay for it. (I am in pain now, but the doc says its a neck sprain, and to come back if it doesnt get better soon) I was content to just get the check for the car and be on my way, until the insurance company started with this 1200.00 bull. Now, I do want to sue. Not just because of the pain I'm in, and the fact that I had to miss school during the FIRST WEEK, but because theyre trying to get out of paying me the money they actually owe! I want them to give me the money it will cost to fully fix my car, and let me decide what I get fixed and when. Anyone with advice or who knows a lawyer, or IS a lawyer, please respond. I would love some help with this.
Also, I know how the claims process works. An 18 wheeler backed into my car about a year ago, and it worked out fine. I got 3 estimates, sent them to the insurance company, and within a week, they handed me a check for the highest one. Thats how its supposed to work! These other people are trying to get over on me.
Also, I know how the claims process works. An 18 wheeler backed into my car about a year ago, and it worked out fine. I got 3 estimates, sent them to the insurance company, and within a week, they handed me a check for the highest one. Thats how its supposed to work! These other people are trying to get over on me.