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Auto Insurance Claims/loss of use on a totalled vehicle

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Expert: - 12/22/2010


Question
I was in a wreck where I suspect my car will be totalled.  The insurance company is telling me that they will only provide a rental if my car is repairable and that I am out of luck if my car is totalled.  They also can't give me a timeline on when my car can be looked at by an accessor.  Is this true, do I have any options?

Answer
They are jacking you around in every way. And they will also probably lowball the value of your totaled vehicle. They would owe for a rental car for a reasonable time period for you to replace the car from the time they make a "reasonable" offer. So if they make a lowball offer and you spend a month getting them to up the offer, then they owe the rental car for the whole month. You need the eBook "Total Loss Auto Advice for Claimants" from UClaim.com http://www.uclaim.com for $25.00. It has a money back guarantee and a 20 minute consultation with the author.

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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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