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Auto Insurance Claims/Rear ended and have a really big issue with insurance


Okay so I was rear ended when I was stopped at a red light. Driver admitted that it was her fault and everything was fine. The next day I wake up to find out my car was stolen. Alarm never went off because I couldn't keep the trunk closed because of the damage that was done from the accident. Police figured that's how they got in. The car was recovered the same day about 13 hours after it was reported stolen. It was stripped to the frame. All lights, engine, transmission, and some seats. NOW the other drivers insurance said that if the car (94 Acura Integra) is counted as a total loss, that they would deduct from the money for every single part that was stolen.

I don't understand why they would do that. Any advice on what I should do? I only have liability so my insurance will not pay for anything that was stolen. So what should I do now?

Very unlucky.  The problem is documenting the amount of damages that the vehicle had prior to it being stolen.  

So if I had to bet on it, I would say that replacing all the panels on a 94 Integra will definitely total it economically, so the question remains as to how much damage the rear-ender caused.

If the person that rear-ended you is honest, maybe you and they can describe the damage well enough to get close to what they owe.

The simplest answer is that the rearender owes for the damage they caused, and the thief or thieves owe for the damage they caused.  

I doubt seriously if the claims office you are dealing with has seen scenario before.  They owe for the damages caused by their insured, whether your car was stolen afterwards or not.

I hope this helps.  You can always look me up and I'll answer the phone.  Information is always free at Petty Details, LLC.

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Justin Petty


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.


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.

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

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?".

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 ( All Lines Adjuster (TX, 1998 - 2008) TX Public Adjuster (2009 - 2011)

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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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