Auto Insurance Claims/totaled explorer

Advertisement

Expert: - 12/16/2010


Question
My Explorer was totaled in a fire at a auto repair shop. Their insurance company is the one's that said it was a total loss and they valued the loss at $3,387.00.I only had PIP on it since it was a used (new for us) truck. Their insurance company said that since the auto repair shop only had $30,000 coverage that I would have to settle for $1,831.34 for the totaled truck.Do I have to accept it? What are my options? The state I live in is Florida if that makes any difference in the answers.

Answer
Well then make them prove that they paid the full $30,000 on other customers cars and that you got your fair percentage. And make the shop owner give you a photo copy of his insurance "Declaration Sheet" which shows the policy limits. However if they are just low balling the value of your Explorer, get the eBook at UClaim.com entitled "Total Loss Auto Advice for Claimants" for $25.00 to show you how get all your money based on your particular circumstances. And it has a money back guarantee.

Auto Insurance Claims

All Answers

Answers by Expert:

Ask Experts

Volunteer

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 .

©2012 About.com, a part of The New York Times Company. All rights reserved.