| T O P I C R E V I E W |
| Alee |
Posted - Mar 13 2008 : 12:13:16 PM
I am so happy right now! I am literally jumping around the house!
I just spoke with Farmer's Insurance and due to the amount of evidence that I have backing up the local market value of my car, they have decided to settle for more than double the amount that they originally offered me for my totaled car!
Alee
Farmgirl Sister #8
Please come visit Nora and me on our new blog:
www.farmgirlalee.blogspot.com |
| 16 L A T E S T R E P L I E S (Newest First) |
| Alee |
Posted - Mar 14 2008 : 09:44:27 AM
Thanks Annika!
Alee
Farmgirl Sister #8
Please come visit Nora and me on our new blog:
www.farmgirlalee.blogspot.com |
| Annika |
Posted - Mar 14 2008 : 09:42:20 AM
Good luck on the car hunt Alee, I know, you will find a great car!
Annika
Farmgirl sister #13
Mud Hen Queen
http://innermountainmudhens.wordpress.com/
http://panzymoon.wordpress.com/
http://panzymoonsgarden.blogspot.com/ |
| Alee |
Posted - Mar 14 2008 : 09:37:33 AM
Hi Sherri!
According to Idaho State law, the insurance company must pay you the "Cash" value of the car as it was the day before the accident happened. So I went on www.autotrader.com and searched within a 150 mile radius for the exact year, make, and model of my car. I then excluded the ones that had more mileage and called asking about the remaining (not many). The cheapest ones were what are called a "rebuilt title" car which means at some point they were damaged to the point of being totaled and were rebuilt. Those should be excluded from the search parameters as well as they are about 50% less valuable as good cars.
Unfortunately, most companies use a 3rd party evaluation company that does searches but I don't think they discount the price of the rebuilt title cars AND they don't always search in your area.
So I presented them with the law (Farmers, you _have_ to give me cash value) and then I presented them with evidence of the cash value (a specific 3-4 vehicles I found on Auto Trader and the information the dealer gave me about what they would be willing to take for a cash purchase). So I am getting almost (forgive me I'm not bragging, just trying to illustrate a point) $8,000 whereas they only wanted to give me $3000.
I also told them that if they weren't willing to give me what the law calls a "good faith settlement" aka the cash market value of my car, then I would contract legal aid and take them to court.
The Idaho Insurance Commission was extremely helpful and I don't think I will EVER make a insurance settlement without consulting my state Commission first. They know the laws and are more than willing to help the average person get the proper settlement amount.
Like I told the Farmer's rep that I was dealing with (once he gave me a good faith settlement #) I don't want to try and make out better in this situation that I was before it; I just don't want to be in a worse position! Any asset that we own is important to us, whether it be a car, house, or property and damage to it can be extremely scary for someone without disposable income.
Alee
Farmgirl Sister #8
Please come visit Nora and me on our new blog:
www.farmgirlalee.blogspot.com |
| mikesgirl |
Posted - Mar 14 2008 : 09:01:05 AM
Alee - just joining in here after my absence - so let me know if you've already posted the answer somewhere. But, what kind of evidence did you present to the insurance company?
Farmgirl Sister #98
Check out my new online store
http://www.shopthefrontier.com/VFstore/index.php?manufacturers_id=79&osCsid=6be4b25bf9555031c6e2e86bbde23dba |
| mima |
Posted - Mar 14 2008 : 07:31:06 AM
Yeah Alee! you deserve it!
"No pessimist ever discovered the secrets of the stars,or sailed to an uncharted land or opened a new heaven to the human spirit." Helen Keller |
| Alee |
Posted - Mar 13 2008 : 10:03:36 PM
Thank you ladies! I know all the positive thoughts that you have been sending my way helped our situation immensely. We have a line on a 2004 Ford Taurus with 64000 miles on it. This would be wonderful for our family. Safe, newish, low mileage (ish). So keep your fingers crossed that our meet with the sales people goes well tomorrow!
Alee
Farmgirl Sister #8
Please come visit Nora and me on our new blog:
www.farmgirlalee.blogspot.com |
| Farmtopia |
Posted - Mar 13 2008 : 2:53:52 PM
Woot! Good for you, Alee :D
~*~Dream all you dreamers~*~
View my work:
www.bigtownfarmer.com
www.pumpkinpatchparlor.etsy.com
And Blogs:
agriculture: www.bigtownfarmer.blogspot.com
art: www.queenofcrows.blogspot.com
animals: www.big-luv.blogspot.com |
| CountryBorn |
Posted - Mar 13 2008 : 2:51:23 PM
Wow! Alee that is such great news!! Congratulations!
MJ
There can be no happiness if the things we believe in are different from the things we do. Freya Stark |
| sissysquilts |
Posted - Mar 13 2008 : 1:31:24 PM
That's so wonderful! I think it's karma for all the great things you do for all of us! *~*
Farmgirl Sister #117
"The good stars met in your horoscope. Made you of spirit,fire and dew"
Robert Browning |
| Annika |
Posted - Mar 13 2008 : 1:16:19 PM
WOO HOOOOO!!!! That is fantastic news
Annika
Farmgirl sister #13
Mud Hen Queen
http://innermountainmudhens.wordpress.com/
http://panzymoon.wordpress.com/
http://panzymoonsgarden.blogspot.com/ |
| La Patite Ferme |
Posted - Mar 13 2008 : 12:47:16 PM
Great news - I should have read this post first. |
| KYgurlsrbest |
Posted - Mar 13 2008 : 12:31:17 PM
Good for you, Alee, for standing up for yourself and not just taking "what they'll give you". I work for a law firm that represents several LARGE national insurance companies and suffice it to say...you're right about a lot of it :)
Farmgirl Sister #80, thanks to a very special farmgirl from the Bluegrass..."She was built like a watch, a study in balance ... with a neck and head so refined, like a drawing by DaVinci"...
NY Newsday sportswriter Bill Nack describing filly, Ruffian.
http://www.buyhandmade.org/ |
| catscharm74 |
Posted - Mar 13 2008 : 12:23:02 PM
Yeah ALEE!!! YEE HAW!!! That is awesome!! I am so happy for you!!
Cheers,
Heather
FARMGIRL #90 |
| bohemiangel |
Posted - Mar 13 2008 : 12:19:37 PM
YAY!!! SO happy for you Alee!!!
**~~Farmgirl Sister #60~~**
"... to thine ownself be true."
http://ligonierfarmgirl.blogspot.com/
http://liggygirl.blogspot.com/
http://liggygirlslonggreen.blogspot.com/
|
| lisamarie508 |
Posted - Mar 13 2008 : 12:19:00 PM
Alright! Good thing you had your ducks in a row. I'm surprised they even listened to you (darn insurance companies).
Farmgirl Sister #35
"If you can not do great things, do small things in a great way." Napoleon Hill (1883-1970)
my blog: http://lisamariesbasketry.blogspot.com/
My Website:
http://www.freewebs.com/lisamariesbasketry/index.htm |
| Miss Bee Haven |
Posted - Mar 13 2008 : 12:17:15 PM
Hooray, Alee! If the Academic Dean wasn't standing outside my office door right now, I'd be doing the happy dance for you right here, right now! :D
Farmgirl Sister #50
"If you think you've got it nailed down, then what's all that around it?"
'Br.Dave Gardner' |
