Expert: Ron Cercone - 6/28/2009

Question
Someone crash my car,his insurance says its totaled damage,they want to give me tha value of my car on the market but i still own on the car. Value they want to paid is 17,907. but i still own 25,980.I didnt crash this person crash me now i have no car and keep paying for a car that i dont even have,,,sorry but doesnt make no sense,,what can i do??

Answer
Dear Questioner,

Whether you collect from the insurer or the driver of the other car, the most they owe is the "market value" of your car, not your loan balance. So if you got a 6 year loan on your car so you could have low monthly payments, you probably owe a lot more than its worth. You should not finance a car for over 3 or 4 years.

You won't find "free" advice to get you another $8,000.00. But you can get it, and cheap, at UClaim.com http://www.uclaim.com/products.asp Look for the product entitled "TOTAL LOSS AUTOMOBILE INSURANCE CLAIM ADVICE AND HELP - FOR CLAIMANTS
Subtitle:  HOW TO NEGOTIATE WITH THE OTHER DRIVER’S INSURER

This eBook will also show you how to get fairly paid for other stuff like loss of use, salvage, etc.

It's guaranteed and currently on sale.