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Auto Insurance Claims/total loss
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Question
adjuster gave me 2 option. total for 4600 giving up my title. or 3400 and i have to go to and outside shop they will not fix it the adjuster knows that this will not restore my repairs and he told me I would be responsible for any extra charge. Do I have to take these offer.
The insurer only owes the lesser amount, the value of the car, or the cost to fix it. If you take the $4600.00 and "keep" the title and repair it yourself, how much will they deduct from the $4600.00 for the salvage? The trick is to not get low-balled on value of the car and "high-balled" on the salvage value. Its a delicate game on the salvage negotiation. For very detailed advice on how to handle both of these items to your advantage, consider an eBook at UClaim.com entitled "Total Loss Auto" currently on sale for around $12.00 at 50 off with a money back guarantee.
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Answers by Expert:
Ron Cercone
Expertise
How to handle automobile total loss claims. I am the president of UClaim.com, which sells 29 different eBooks I have written on how to maximize various types of auto, home and business claims and how to get coverage on denied claims. You may view their tables of contents online. Also available are very specialized eBooks such as on EUO (Examination Under Oath) for example. Also available is an assortment of policy forms used by the most popular insurers. The eBooks have a money back guarantee and currently include personal consultation with Ron Cercone.
Experience
I have been adjusting insurance claims since 1980. 1980 to 1995 adjusting for many insurers (6 years as an independent adjuster with my own company). Currently working as a public adjuster in California, since 1995. I'm one of the few public adjusters who has handled automobile damage and total loss claims.
Organizations
CAPIA (California Association of Public Adjusters).
Education/Credentials
BA 1975 in History and Industrial Arts. Full CV at UClaim.com .
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