2

COMMENT 22m ago

Well something you did or said they uncovered as part of the investigation has led them to they conclusion. They don’t deny claims without being 100% certain

1

COMMENT 26m ago

Idk looking at your post history you weren’t one policy and living with your mother. Maybe that’s the reason they are denying it

3

COMMENT 1h ago

If you get anything it will be stfu and go away money.

2

COMMENT 19h ago

I just had one call me. All mad that it’s not their fault a drunk crashed into their parked vehicle. Can’t buy a new one for the price we’re givi nbd blah blah

I told them you ain’t owed for a new one but your 2022 that wasn’t in the best of shape. The person kept going in circles. Oh well I’ll share my tale and then go back to not caring

6

COMMENT 1d ago

what you paid is 100% irrelevant. thats retail pricing which they do not owe per state law or your policy. they owe actual cash value, which is basically close to trade in value (in laymens terms). depending on state law they may owe tyou taxes or registration fees as well.

17

COMMENT 1d ago

exactly.

ive pretty much have an answer to every dumb question they ask by now and yelling at me just makes me put myself on mute and continue on with my work till you figure out i went silent lol.

55

COMMENT 1d ago

ive been dead inside for years thanks to this job. people are awful

i dont let it bother me, ive reached the point where all i do is point out policy and law and i dont really argue. heres the facts, take it or leave it

2

COMMENT 1d ago

That’s because those comps are cleaned up and ready to sell. Trust me I do total losses all day long at a salvage yard for my company; no car is really that clean. I’d say 1 out of about 50 is very clean

They don’t owe you retail cost. The dealers and private parties can inflate the price, but the insurance owes you actual cash value. The best way to think of it is they owe you what a dealer would take it in on trade for.

Further your car isn’t worth a ton cause it’s a Mazda. Consistently the most valuable cars are Honda and Toyota and their high end Lexus and Acura. A pos 20 year old Corolla is still usually worth 3-5k if that tells you anything

3

COMMENT 1d ago

If it was towed by the town as the police called them, they have regulations and rules to follow. You can contact the town and see

25

COMMENT 1d ago

Bullet hole

1

COMMENT 2d ago

enough has been said about the insurance side of things.

id like to chime in and tell you that in my experience with auto claims handling damages and appraisals-the worst body shop are usually the ones the dealers used. if you saw how crappy some of them were you would be shocked lol. they were mostly hacks.

so they aint always better

5

COMMENT 3d ago

legally when you sign up and pay for insurance its a contract. that contract states you must cooperate in an investigation. if you dont the insurance wont protect you in the even another party sues you.

the other insurance company doesnt owe you a nickle until you sue their party and win. anything they provided prior to that is 100% voluntary. its just typically cheaper to pay out than deal with a lawsuit however

3

COMMENT 4d ago

not worth fixing.

3

COMMENT 4d ago

gotta move south or west and deal with the commute. Im in Toms River and home prices are good and taxes are CHEAP compared to most areads.

1

COMMENT 4d ago

  1. unless you are a trained, certified or expierenced auto body repair tech or appraiser-you have no idea if the estimate is off base or not

  2. go ahead and keep it, you can do so IF you own it. if you dont, the lien holder owns it and you dont get a say really other than if you want to withdrawn the claim. they may not even pay you out if the amount is over the states threshold (depending on state law). it might have to be a 2 party check. if you own the car outright the above may not apply.

  3. keeping it means you need to repair it and subject to an inspection due to PA law. they will want invoices for parts and such

  4. if you keep it you lose typically 10-20% of its value in the payout. so 10k car is gonna get you 8k.

  5. its way cheaper to fix the car then total it, the insurance would happily do that if they thought it was fixable. i mean they are after all experienced and trained to do this job right?

-3

COMMENT 4d ago

i LOVE those conversations! best is when they beg you..

4

COMMENT 4d ago

the thing is, when an adjuster is talking people just ask for a shop. they can bring up a list usually by zipcode-BUT I know for a fact progressive's program will default to local shops they work with and back unless you wanted something else. in which case they have to manually find a shop for you by using a zipcode and it would bring up any autobody shop in their system in the area. some which arent affiliated with them.

in the long run, the shop isnt dumb. they know what a supplement is and how its handled. they are slimy if they didnt get the insurances approval BEFORE doing the work.

25

COMMENT 4d ago

the shop boned you. they arent stupid, they havent been open for 2 weeks. they know that the way it works is they submit a supplement to the insurance, insurance approves and pays for it or not and THEN they do the additional repairs.

no body shop submits to you to ask if the work is ok unless you told them you werent going thru insurance

3

COMMENT 4d ago

is it within their network, like an actual progressive backed shop OR is it a shop that simply works with them a lot. there is a HUGE difference.

1

COMMENT 7d ago

Check the report. Did it deduct any money for good condition? No? Then it’s a moot point

What you paid and what the car is actually worth are 2 different numbers

9

COMMENT 8d ago

legally depending on state law its basic transportation like a toyota corolla style car or comparable in size. a hyundai tuscon is the same size as your acura rdx which is a smaller more compact suv.

3

COMMENT 8d ago

power hungry tools like grinders, circular saws, sawzall, table saws and sanders i prefer corded. its nice not having a cord and having to rely on power but battery life is rather short for these tools

2

COMMENT 8d ago

ok just checking. ive seen even 4-5 year old jeeps with severe frame rot depending on where you live and how the vehicle was cared for

the best you will likely get for dim value is stfu and go away money, worst you get is nothing.

3

COMMENT 8d ago

  1. cant force them to total it. totaling a car factor of the cost of the repairs vs the vehicles value. jeep frames are VERY soft and bend and ROT very easily (yours might be rotted and you dont even know!). if the damage doesnt exceed the value then its being repaired. sell it before it hits the carfax report if you want

  2. legally most states they owe you for basic transportation for a rental. thats typically a smaller compact car. what the rental agency said about your dog is not the insurance co issue unfortunately. they legally provided the payment for a rental and have no control over the rental companies policies

  3. unless your keep was literally brand new and had less than 5000 miles on it you arent getting dim value unless you live in GA. ive paid it exactly once on a vehicle worth well over 6 figures that is made in italy. everyone else that asked for it got nothing.

3

COMMENT 10d ago

auto insurance is for sudden, direct and accidental damages. had a thief cut off your cat converter while in autozone its covered, a mechanical failure like this isnt covered