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Auto Insurance Claims/Auto accident claim adjuster

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Question
The insurance repair estimator seems to be leaning toward totalling my 2001 Lexus RX 300 after my being rear ended a few days ago and he appears to be leaning toward providing only a low ball repair.  We will hear definitively tomorrow, Tuesday, Jan 15 2013.

How do I insist that the insurance co of the man who REAR-EENDED me provide me the actual cash value of my vehicle that is, what I could have sold it before the accident.

Many thanks for your counsel.  It is much appreciated.

Murray Corwin

Answer
Murray,

  Remember that it is the MAN that hit you that owes you for your damages.  Luckily, it seems he had insurance, but you cannot sue his insurance company because they haven't done anything to you.  If they do not settle the claim for him in a fair manner, your only recourse would be to sue the MAN in small claims court and prove the actual cash value to the judge / jury.  

  The only other option you have is to simply fight, fight, fight.  Get an independent appraiser to provide you with a certified appraisal (we do that), and then present your claim and evidence and don't settle until you have your money.  Sometimes, the squeaky wheel does get the grease.

  Probably not what you wanted to hear, but it's the truth and I hope it helps.

Regards,
Justin

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Justin Petty

Expertise

Challenge me! I promise that I will provide you with the most honest answer I can muster, and I will base it on nearly 20 years of complex claims experience. My strength is shooting it straight and seeing through BS. I do not bluff and I can tell when somebody is. I've handled claims in almost every State in the U.S. and adjusted claims and consulted attorneys and CEO's on recovery and special claims tactics for over a decade. I am the founder and President of Petty Details, LLC. We provide the highest quality claim services to insurance companies, attorneys and individuals all exactly in the same way, by paying attention to the details and doing the right thing.

Experience

Nearly 20 years of combined claim company management, litigation, all lines adjusting, claim auditing, damage assessment, subrogation, small claims, tort recovery, collection, skip-tracing, tactical investigations, and contribution claim recovery experience across the United States of America.

Organizations
NASP (National Association of Subrogation Professionals) AllExperts.com (Auto Insurance Expert) Diminished Value Appraisers Group (LinkedIn)

Publications
10 years experience in writing and developing technical claims correspondence for litigation and unique scenarios at insurance companies and as a consultant to attorneys assisting with legal briefs and research. 42 published articles relating to auto insurance and claims. Self Published e-books entitled "How Much is My Injury Worth" and "Diminished Value - How Do I Get Paid?".

Education/Credentials
School of hard knocks, 3 years college, NO DEGREE, years of real world experience running a claims service company and adjusting claims for carriers. Speaks English and Spanish, Limited Portuguese & Italian.

Awards and Honors
Platinum Author (EzineArticles.com) All Lines Adjuster (TX, 1998 - 2008) TX Public Adjuster (2009 - 2011)

Past/Present Clients
State Farm Insurance, Endeavor GA, MileMeter Ins., American Recreational Markets, Gainsco Ins. Co., Safeway Ins., Home State County Mutual Insurance, Old American County Mutual Insurance, FCCI, Farm Bureau, Liberty Mutual, and Pronto General Agency, LTD just to name a few! On top of insurance companies and attorneys, I have personally helped thousands of accident victims with the difficult and stressful process of navigating their claim to a successful resolution.

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