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> This is to filter out those that simply give up on step 1. A lot of people must give up here. I had a car totaled by a hit-and-run driver and the insurance

by e40 4y ago

> This is to filter out those that simply give up on step 1. A lot of people must give up here. I had a car totaled by a hit-and-run driver and the insurance company wanted me to settle for $10k less than the car was clearly worth. (I had lots of proof of this.) It took a month of me telling the adjuster "I'm not settling" before I got that $10k. It was the most infuriating customer-company relationship encounter I had ever had. I felt like the person was intentionally misunderstanding me and making false statements. I tried to get to their manager a few times, but they wouldn't. It was clear that the person's manager was in complete agreement with the course this situation was taking.

FireBeyond 4y ago
Yup. When my car was totalled I had a number in mind (high 20s). And got a much lower number. For the record, this was like a 3 year old Audi A4, fully loaded. So I asked to see comps. Sure enough, all but one of the comps was in that ballpark, from about 3-4 under, to nearly 30. Except one. Which was about 140 miles away, and listed for $11,500. Clearly a salvage or rebuild or something (water damage, whatever, obviously not accurate). Dragging the average down like a boat anchor. "The ad doesn't say Salvage Title so it's a valid comp." They just kept repeating that like a broken record.
- e40 4y ago
  My situation was that I had very low miles and all comps had like 3x those miles, in my area. She wouldn't look outside my area for comps with low miles, even though those areas had much lower cost of living. Going from $18k to $28k allowed me to get a new (used) car for no cash. Also, we had a semantic argument about what a "trailer hitch" was that lasted weeks. I had it installed after purchase and had receipts. I definitely recognize the "broken record" part of your comment!
  - FireBeyond 4y ago
    Five years from now, "Class action against insurance company for colluding with car dealers to create fake listings to limit payout amounts"...

by e40 4y ago

FireBeyond 4y ago

Yup. When my car was totalled I had a number in mind (high 20s). And got a much lower number. For the record, this was like a 3 year old Audi A4, fully loaded. So I asked to see comps. Sure enough, all but one of the comps was in that ballpark, from about 3-4 under, to nearly 30. Except one. Which was about 140 miles away, and listed for $11,500. Clearly a salvage or rebuild or something (water damage, whatever, obviously not accurate). Dragging the average down like a boat anchor. "The ad doesn't say Salvage Title so it's a valid comp." They just kept repeating that like a broken record.

e40 4y ago
My situation was that I had very low miles and all comps had like 3x those miles, in my area. She wouldn't look outside my area for comps with low miles, even though those areas had much lower cost of living. Going from $18k to $28k allowed me to get a new (used) car for no cash. Also, we had a semantic argument about what a "trailer hitch" was that lasted weeks. I had it installed after purchase and had receipts. I definitely recognize the "broken record" part of your comment!
- FireBeyond 4y ago
  Five years from now, "Class action against insurance company for colluding with car dealers to create fake listings to limit payout amounts"...