Paging Bamachem ! Allsate are F@#$ing me
Mar 31, 2006 | 06:43 AM
#1
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From: VA
Paging Bamachem ! Allstate are F@#$ing me
Hey,
Allsate just called and said, in spite of all the information I faxed them, the original offer still stands.
Andy, I think you were right, the second dude who handled the file is just the ball breaker.
So now, the offer is just $4800 period. He now claims they never offered to give me the vehicle. I never lost my temper with him (that is a rule of mine )but I did call him by his name and ask him if he really felt comfortable with what he was doing and hoped he neever got in the same situation. I also asked to think about me this weekend and enjoy his weekend as he, and I both new he was treating me unfairly.
Half of me just wants to say move on but the other half is very angry and motivated.
I can get an independent assessor BUT I will be obliged to go with whatever he suggests, good or bad.
Any words of wisdom ???
Right now I feel like stripping more off the vehicle...the rear wiper motor is only a couple of years old
David
P.S> I have a call into my agent to tell her that inspite of our relationship over the last 13 years, once I get my settlement, all the business including 3 vehicles and the homeowners insurance is gone. I feel sorry for her as I regard her as a friend now but all I can do it vote with my feet.
Allsate just called and said, in spite of all the information I faxed them, the original offer still stands.
Andy, I think you were right, the second dude who handled the file is just the ball breaker.
So now, the offer is just $4800 period. He now claims they never offered to give me the vehicle. I never lost my temper with him (that is a rule of mine )but I did call him by his name and ask him if he really felt comfortable with what he was doing and hoped he neever got in the same situation. I also asked to think about me this weekend and enjoy his weekend as he, and I both new he was treating me unfairly.
Half of me just wants to say move on but the other half is very angry and motivated.
I can get an independent assessor BUT I will be obliged to go with whatever he suggests, good or bad.
Any words of wisdom ???
Right now I feel like stripping more off the vehicle...the rear wiper motor is only a couple of years old
David
P.S> I have a call into my agent to tell her that inspite of our relationship over the last 13 years, once I get my settlement, all the business including 3 vehicles and the homeowners insurance is gone. I feel sorry for her as I regard her as a friend now but all I can do it vote with my feet.
Last edited by nrgetic99; Mar 31, 2006 at 08:55 AM.
Mar 31, 2006 | 06:48 AM
#2
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From: Richmond, Va
i would continue to striip as much as possible, just make sure they will still take the vehicle.
Give them a POS, wrecked 4runner, get your $$$, cancel your policy, get another 4runner and put all the parts on the new one.
Unless you want an LC or another genration 4r, then sell the new parts and try to put it all past you.
i have two radios if you need.
Give them a POS, wrecked 4runner, get your $$$, cancel your policy, get another 4runner and put all the parts on the new one.
Unless you want an LC or another genration 4r, then sell the new parts and try to put it all past you.
i have two radios if you need.
Mar 31, 2006 | 06:53 AM
#3
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that sucks.
do you have any OEM parts to put back on there? you can always stall while you strip it back to stock and then give them a stock truck since that's all they'll pay for.
i'd put dirty interior, bald tires, etc on there if they were doing that to me.
if you get an independent evaluation, then hire them direct thru you and talk to them first before letting them evaluate the vehicle so they know your intentions and expectations. DO NOT use one that Allstate sends to you. they are working for the insurance company and will follow their direction/guideline and not yours.
so, they offered $4800 and you walk and you want $5500 and keep it? what's the delta? you can easily make up $1000 in swapping parts on here and hold them off for a couple weeks (tell them you're going on a trip or something or just don't answer when they call or tell them that you're busy and will call them back when they do call) while you strip it down.
hold your ground as long as you can. if you don't want to part it out and you want to get paid, then get that offer in writing by fax or email, then FAX the guy twice a day with the same couteroffer and don't give in a penny if nothing else just to bug him. if he want's to play games and you have the time, bust his balls for a while.
once you have that offer in writing, they can't renig on it. no matter what you do in negotiating, make sure to get each off in writing and send yours in writing along with your research to back up each counter offer.
also, on the next vehicle, make sure to get "actual value" coverage. i have that on my runner and it's like $64 every 3 months and it covers all aftermarket parts at full retail price plus labor to paint/install, etc. the retial value of the mods + paint + labor is probably over $10k-$12k by themsleves on my runner. i don't get all that since some are aftermarket replacements for OEM parts. to do that, they take the aftermarket value (including all labor) then subtract the OEM value and add the difference to the value of the rig. put it this way, on a $12k OEM value, if my rig was totalled today, i'd get in the neighborhood of $18k to $20k for it with that coverage.
do you have any OEM parts to put back on there? you can always stall while you strip it back to stock and then give them a stock truck since that's all they'll pay for.
i'd put dirty interior, bald tires, etc on there if they were doing that to me.
if you get an independent evaluation, then hire them direct thru you and talk to them first before letting them evaluate the vehicle so they know your intentions and expectations. DO NOT use one that Allstate sends to you. they are working for the insurance company and will follow their direction/guideline and not yours.
so, they offered $4800 and you walk and you want $5500 and keep it? what's the delta? you can easily make up $1000 in swapping parts on here and hold them off for a couple weeks (tell them you're going on a trip or something or just don't answer when they call or tell them that you're busy and will call them back when they do call) while you strip it down.
hold your ground as long as you can. if you don't want to part it out and you want to get paid, then get that offer in writing by fax or email, then FAX the guy twice a day with the same couteroffer and don't give in a penny if nothing else just to bug him. if he want's to play games and you have the time, bust his balls for a while.
once you have that offer in writing, they can't renig on it. no matter what you do in negotiating, make sure to get each off in writing and send yours in writing along with your research to back up each counter offer.
also, on the next vehicle, make sure to get "actual value" coverage. i have that on my runner and it's like $64 every 3 months and it covers all aftermarket parts at full retail price plus labor to paint/install, etc. the retial value of the mods + paint + labor is probably over $10k-$12k by themsleves on my runner. i don't get all that since some are aftermarket replacements for OEM parts. to do that, they take the aftermarket value (including all labor) then subtract the OEM value and add the difference to the value of the rig. put it this way, on a $12k OEM value, if my rig was totalled today, i'd get in the neighborhood of $18k to $20k for it with that coverage.
Last edited by bamachem; Mar 31, 2006 at 06:57 AM.
Mar 31, 2006 | 07:33 AM
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From: VA
Originally Posted by bamachem
that sucks.
do you have any OEM parts to put back on there? you can always stall while you strip it back to stock and then give them a stock truck since that's all they'll pay for.
i'd put dirty interior, bald tires, etc on there if they were doing that to me.
if you get an independent evaluation, then hire them direct thru you and talk to them first before letting them evaluate the vehicle so they know your intentions and expectations. DO NOT use one that Allstate sends to you. they are working for the insurance company and will follow their direction/guideline and not yours.
so, they offered $4800 and you walk and you want $5500 and keep it? what's the delta? you can easily make up $1000 in swapping parts on here and hold them off for a couple weeks (tell them you're going on a trip or something or just don't answer when they call or tell them that you're busy and will call them back when they do call) while you strip it down.
hold your ground as long as you can. if you don't want to part it out and you want to get paid, then get that offer in writing by fax or email, then FAX the guy twice a day with the same couteroffer and don't give in a penny if nothing else just to bug him. if he want's to play games and you have the time, bust his balls for a while.
once you have that offer in writing, they can't renig on it. no matter what you do in negotiating, make sure to get each off in writing and send yours in writing along with your research to back up each counter offer.
also, on the next vehicle, make sure to get "actual value" coverage. i have that on my runner and it's like $64 every 3 months and it covers all aftermarket parts at full retail price plus labor to paint/install, etc. the retial value of the mods + paint + labor is probably over $10k-$12k by themsleves on my runner. i don't get all that since some are aftermarket replacements for OEM parts. to do that, they take the aftermarket value (including all labor) then subtract the OEM value and add the difference to the value of the rig. put it this way, on a $12k OEM value, if my rig was totalled today, i'd get in the neighborhood of $18k to $20k for it with that coverage.
do you have any OEM parts to put back on there? you can always stall while you strip it back to stock and then give them a stock truck since that's all they'll pay for.
i'd put dirty interior, bald tires, etc on there if they were doing that to me.
if you get an independent evaluation, then hire them direct thru you and talk to them first before letting them evaluate the vehicle so they know your intentions and expectations. DO NOT use one that Allstate sends to you. they are working for the insurance company and will follow their direction/guideline and not yours.
so, they offered $4800 and you walk and you want $5500 and keep it? what's the delta? you can easily make up $1000 in swapping parts on here and hold them off for a couple weeks (tell them you're going on a trip or something or just don't answer when they call or tell them that you're busy and will call them back when they do call) while you strip it down.
hold your ground as long as you can. if you don't want to part it out and you want to get paid, then get that offer in writing by fax or email, then FAX the guy twice a day with the same couteroffer and don't give in a penny if nothing else just to bug him. if he want's to play games and you have the time, bust his balls for a while.
once you have that offer in writing, they can't renig on it. no matter what you do in negotiating, make sure to get each off in writing and send yours in writing along with your research to back up each counter offer.
also, on the next vehicle, make sure to get "actual value" coverage. i have that on my runner and it's like $64 every 3 months and it covers all aftermarket parts at full retail price plus labor to paint/install, etc. the retial value of the mods + paint + labor is probably over $10k-$12k by themsleves on my runner. i don't get all that since some are aftermarket replacements for OEM parts. to do that, they take the aftermarket value (including all labor) then subtract the OEM value and add the difference to the value of the rig. put it this way, on a $12k OEM value, if my rig was totalled today, i'd get in the neighborhood of $18k to $20k for it with that coverage.
They are counting on what I just concluded from reading your post.
Its too much effort for $700. I should just let it go.
David
Mar 31, 2006 | 07:37 AM
#5
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From: Michigan
What is KBB of your vehicle + any new parts you put on or upgraded?
and talk to your agent voicing your concerns, as of right now you can do to another insurance company, get new insurance and cancel with the other company. Since your claim happend in the period you had insurance, they still have to cover you.
I just ran a KBB of a 1993 4Runner with a 5 speed manual, power, 3.0 V6, with 125,000 miles on it and the retail value of it is $6,275 in great condition.
Go to KBB, do what ya have to do, print it up, then add your parts to it.. Fax it to the insurance company stating you want X amount of dollars, which should be more than $9,000 as it sounds.
In the mean time, call the insurance company back and talk to a manager of the insurance team who is handling your claim and state this amound is what it will cost you from a dealer if you were to purchase a new one in such great condition and with all the extras. KBB is a very reliable source and used used by many companies. I would also state you have taken councel from a laywer and have been in contact with the BBB and the Attornery Generals Office of your State.
and talk to your agent voicing your concerns, as of right now you can do to another insurance company, get new insurance and cancel with the other company. Since your claim happend in the period you had insurance, they still have to cover you.
I just ran a KBB of a 1993 4Runner with a 5 speed manual, power, 3.0 V6, with 125,000 miles on it and the retail value of it is $6,275 in great condition.
Go to KBB, do what ya have to do, print it up, then add your parts to it.. Fax it to the insurance company stating you want X amount of dollars, which should be more than $9,000 as it sounds.
In the mean time, call the insurance company back and talk to a manager of the insurance team who is handling your claim and state this amound is what it will cost you from a dealer if you were to purchase a new one in such great condition and with all the extras. KBB is a very reliable source and used used by many companies. I would also state you have taken councel from a laywer and have been in contact with the BBB and the Attornery Generals Office of your State.
Last edited by Rivalred; Mar 31, 2006 at 07:49 AM.
Mar 31, 2006 | 07:42 AM
#6
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From: Peoria IL
I thought they had to sell the car back to you. as you had "first right of refusal"
meaning ya in therory they could keep it rotting away in back yard someplace, but they couldnt turn around and sell it to a scrap yard, as you have "first right of refusal"
meaning if they are going to resell it to a scrap yard they HAVE to ask you if you want it back for the same price.
and yes my dad went through something very simular with his insurance on his cherry 91 318i. It took a letter and a personal phone call to the distctrict manager of the insurance company. (they were refuseing to cover the car under the "uninsured driver " portion of his policy even though the other party was ticked (in court no less) for no insurance.
so ya it took a letter to the district manager, who then called my dad before the got things settled.
meaning ya in therory they could keep it rotting away in back yard someplace, but they couldnt turn around and sell it to a scrap yard, as you have "first right of refusal"
meaning if they are going to resell it to a scrap yard they HAVE to ask you if you want it back for the same price.
and yes my dad went through something very simular with his insurance on his cherry 91 318i. It took a letter and a personal phone call to the distctrict manager of the insurance company. (they were refuseing to cover the car under the "uninsured driver " portion of his policy even though the other party was ticked (in court no less) for no insurance.
so ya it took a letter to the district manager, who then called my dad before the got things settled.
Mar 31, 2006 | 07:49 AM
#7
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From: VA
Originally Posted by Rivalred
What is KBB of your vehicle + any new parts you put on or upgraded?
and talk to your agent voicing your concerns, as of right now you can do to another insurance company, get new insurance and cancel with the other company. Since your claim happend in the period you had insurance, they still have to cover you.
and talk to your agent voicing your concerns, as of right now you can do to another insurance company, get new insurance and cancel with the other company. Since your claim happend in the period you had insurance, they still have to cover you.
Distrubutor, Cap, leads, plugs, rotor arm and coil
Timing belt, water pump, both idlers and tenioner
All new vauum hoses and raditor hoses
All OEM with receipts which I faxed
New Clutch at $800
New from Drive shafts with receipts at $125 a pop
He claims that makes no difference to the value of the vehicle as
it is just maintenace
So, I argue, I can buy a poorly maintained vehicle for the same as as mine with all OEM parts ? Again, he has no good answer.
David
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Mar 31, 2006 | 07:59 AM
#8
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From: Longmont, CO
For $700, I'd take a v-day and strip the ever lovin' hell out of that truck.
I would SERIOUSLY doubt anyone from the insurance company will ever see it. The junkyard will bring the tow truck out and take it away. Anything you leave in is gravy to them.
They are paying you for a poorly maintained vehicle - give them a poorly maintained vehicle. If the thing was wadded in a ball and burned up, would they give you the same amount as what they're offering now? (Answer is yes) So give them a burned out hulk of a vehicle.
I would SERIOUSLY doubt anyone from the insurance company will ever see it. The junkyard will bring the tow truck out and take it away. Anything you leave in is gravy to them.
They are paying you for a poorly maintained vehicle - give them a poorly maintained vehicle. If the thing was wadded in a ball and burned up, would they give you the same amount as what they're offering now? (Answer is yes) So give them a burned out hulk of a vehicle.
Mar 31, 2006 | 08:01 AM
#9
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From: Peoria IL
Originally Posted by nrgetic99
So, I argue, I can buy a poorly maintained vehicle for the same as as mine with all OEM parts ? Again, he has no good answer.
David
David
Have you read your coverge fine print cover to cover... i recently did when i got screwed myself. (thinking i had coverage for something when infact i dont)
My policy (through state farm) specfically says when repairing a vehical after damage, they have the right to repair it with what ever are the "cheepest" parts, weather those be bone yard used parts, aftermarket parts or (god forbid) OEM parts.
so yes i can see how the fact you have all OEM parts on your truck means nothing to them.... afterall if they were GOING to fix it, they wouldnt be fixing it with OEM parts ANYWAY!... (least in my case)
Last edited by snap-on; Mar 31, 2006 at 08:02 AM.
Mar 31, 2006 | 08:04 AM
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From: VA
Originally Posted by snap-on
Have you read your coverge fine print cover to cover... i recently did when i got screwed myself. (thinking i had coverage for something when infact i dont)
My policy (through state farm) specfically says when repairing a vehical after damage, they have the right to repair it with what ever are the "cheepest" parts, weather those be bone yard used parts, aftermarket parts or (god forbid) OEM parts.
so yes i can see how the fact you have all OEM parts on your truck means nothing to them.... afterall if they were GOING to fix it, they wouldnt be fixing it with OEM parts ANYWAY!... (least in my case)
My policy (through state farm) specfically says when repairing a vehical after damage, they have the right to repair it with what ever are the "cheepest" parts, weather those be bone yard used parts, aftermarket parts or (god forbid) OEM parts.
so yes i can see how the fact you have all OEM parts on your truck means nothing to them.... afterall if they were GOING to fix it, they wouldnt be fixing it with OEM parts ANYWAY!... (least in my case)
Its amazing how few 5-speeds are out there....
The Ins Co themsleves found only 2 out of 25 comparos
The nearest of them 138 miles away.
David
Mar 31, 2006 | 08:17 AM
#11
File a claim and then switch companies...your new company will jack your rates...ask me how I know. 
Unfortunately, insurance is a legal racket and you are screwed regardless.
Nothing against the folks that sell it, but it is all about money and numbers...I hate my adjuster and he knows it and I'd tell him to his fat face. He is lazy and if I wouldn't lose my arse swapping I'd swap.
I feel your pain.
Unfortunately, insurance is a legal racket and you are screwed regardless.
Nothing against the folks that sell it, but it is all about money and numbers...I hate my adjuster and he knows it and I'd tell him to his fat face. He is lazy and if I wouldn't lose my arse swapping I'd swap.
I feel your pain.
Mar 31, 2006 | 08:28 AM
#12
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From: Westminster, CO
I'm not sure if you'll be able to get any more out of them. I'm not saying this to be mean, but they are just maintenance parts and they are things that wear out and have to be replaced no matter what. Now if you had an aftermarket bumper, lift, tires, maybe a paint job, I would make them pay for it. But since it's just maintenance, you'll probably never get them to pay for them no matter how long you try to drag it out.
I agree with Rivalred, check out the value on www.KBB.com, and give them that if it's more than they are offering you. That is probably the only way that you'll get more cash out of them.
I agree with Rivalred, check out the value on www.KBB.com, and give them that if it's more than they are offering you. That is probably the only way that you'll get more cash out of them.
Mar 31, 2006 | 08:46 AM
#13
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From: VA
Thanks all.
A lot to reflect on and good counter arguments as well.
I am going to contact adjuster and tell him he has won and I don't have the enrgy anymore.
Send me what I need to sign and tow the vehicle so I can just move on.
Its amazing what 10 days can do to your peace of mind and health...I am very tired phsically and mentally right now... time for a brew
A lot to reflect on and good counter arguments as well.
I am going to contact adjuster and tell him he has won and I don't have the enrgy anymore.
Send me what I need to sign and tow the vehicle so I can just move on.
Its amazing what 10 days can do to your peace of mind and health...I am very tired phsically and mentally right now... time for a brew
Mar 31, 2006 | 08:54 AM
#16
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From: VA
Originally Posted by FilthyRich
have you healed from the wreck itself--physically??
Well,
My head was never right to begin with so its arguable
Joking aside, no dizziness or nausea but lost of headaches.
E
Mar 31, 2006 | 08:54 AM
#18
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NO!
tell him $5000 and you keep it. hold onto that for a couple days and see if they budge. don't just give up. if they don't let you do that, then strip the ลลลล outta it and get as much off of it as you possibly can get away with.
tell him $5000 and you keep it. hold onto that for a couple days and see if they budge. don't just give up. if they don't let you do that, then strip the ลลลล outta it and get as much off of it as you possibly can get away with.
Mar 31, 2006 | 08:59 AM
#19
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From: Gulfport, Mississippi
Allstate huh?
Just thought I'd share a picture I took while in Mississippi doing Hurricane Katrina cleanup. My feelings exactly. Good Luck with your settlement & I agree with the masses here, strip it & give 'em a shell.
Just thought I'd share a picture I took while in Mississippi doing Hurricane Katrina cleanup. My feelings exactly. Good Luck with your settlement & I agree with the masses here, strip it & give 'em a shell.
Mar 31, 2006 | 09:00 AM
#20
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From: Richmond, Va
