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imo, it will be very tough getting back from State Farm, what you paid out for mods. I'd say that them giving you FULL RETAIL book value for your 181k "average" GS....is a helluva deal. Trust me..not many insurance companies are giving "retail book value" for totaled cars these days. They typically use other "like kind and quality" vehicles that are listed for sale (retail) in your zip code and out about 200 miles or so. They then derive an average of those 5 units or so and offer that as a settlement. Hard "adds" to cars (grills, wheels, spoilers, etc) are rarely, if ever, going to be replaced at full retail value if you total out...or if you resell. All in all....I'd say you've got about as good as you could've hoped for.
imo, it will be very tough getting back from State Farm, what you paid out for mods. I'd say that them giving you FULL RETAIL book value for your 181k "average" GS....is a helluva deal. Trust me..not many insurance companies are giving "retail book value" for totaled cars these days. They typically use other "like kind and quality" vehicles that are listed for sale (retail) in your zip code and out about 200 miles or so. They then derive an average of those 5 units or so and offer that as a settlement. Hard "adds" to cars (grills, wheels, spoilers, etc) are rarely, if ever, going to be replaced at full retail value if you total out...or if you resell. All in all....I'd say you've got about as good as you could've hoped for.
+1...the risk you take when modding your car. Like gr8fulRed said...many insurance companies use mileage and other factors to lower the value of the vehicle...I think that's pretty fair...you can always fight for more but it's not always worth it.
As far as injuires....unless you are really hurt, they will pay your medical bills and throw you a little something extra.
You being spooked about intersections isn't worth much and will probably only lead to a note being put on your account...most people are a little nervous after a bad accident.
Looking for advice for the injury part of the accident.
Advice for "injury" part of the accident.
First of all I don't need money and don't want to "milk" the insurance company but I do want them to pay what is "fair".
I am fine with what I am getting out of the injury part, but I am not sure that my uncle is getting a fair deal. (so this isn't about me).
The insurance people are offering him $1000 for pain and suffering, and setting aside $1000 for medical bills. The only medical bills he has was the $125 for the dr visit. At first it looks like all he got was a hematoma to the face (big bruise) and some bruises to the leg. After the bruise healed, he has broken blood vessels on that side of the face. I call that "permanent damage". Now that can be fixed and medicare won't pay for that. SO what I think they should do is take that $1000 they are setting aside for medical bills and include that in the settlement. Right now he is only going to get $47 of that $1000. He would have to go to a specialist to try to get those blood vessels fixed and I know that isn't cheap. I am including some pictures of his face before and after and I would appreciate what you think.
I'm not sure but I would guess that he would need to see a specialist so that they can determine what needs to be done to correct that. Once you know that then you can present it to the insurance company...
I can get the receipts and the person that hit me and I both have state farm
First of all, sorry that this happened but hopefully I can provide some advice to get this thing wrapped up sooner than later and you back on your feet ASAP.
Secondly, I hate to be the bearer of bad news but State Farm consistently ranks as one of the worst insurance companies to deal with in the event of a claim, right up there with Allstate and Farmers. They really hit their insured's hard on their Actual Cash Value calculations (replacement cost - depreciation) and are notorious for dragging out medical claims.
Thirdly, was there a police report. If so, who was at fault? If you went on a green and the other guy ran a red resulting in an accident, the majority fault should be on the other guy and THEIR policy (since you both have the same insurer) should be working on paying out the claim. That way you're not out your deductible and your CLUE (the report for insurers to see accidents) reflects that you are not at fault therefore not increasing your premiums in the future.
Lastly, for the medical claim I HIGHLY suggest reaching out to an injury attorney. You will spend HOURS trying to deal with the State Farm who is VERY good at paying out the lowest amount possible. Most GOOD accident injury attorneys work on a contingency, meaning they won't charge you until they get a payout.
First of all, sorry that this happened but hopefully I can provide some advice to get this thing wrapped up sooner than later and you back on your feet ASAP.
Secondly, I hate to be the bearer of bad news but State Farm consistently ranks as one of the worst insurance companies to deal with in the event of a claim, right up there with Allstate and Farmers. They really hit their insured's hard on their Actual Cash Value calculations (replacement cost - depreciation) and are notorious for dragging out medical claims.
Thirdly, was there a police report. If so, who was at fault? If you went on a green and the other guy ran a red resulting in an accident, the majority fault should be on the other guy and THEIR policy (since you both have the same insurer) should be working on paying out the claim. That way you're not out your deductible and your CLUE (the report for insurers to see accidents) reflects that you are not at fault therefore not increasing your premiums in the future.
Lastly, for the medical claim I HIGHLY suggest reaching out to an injury attorney. You will spend HOURS trying to deal with the State Farm who is VERY good at paying out the lowest amount possible. Most GOOD accident injury attorneys work on a contingency, meaning they won't charge you until they get a payout.
It's interesting that you say that....ive been with StateFarm for 20 years and I've never had to battle with them. The one car I totaled was a 90 Acura Legend that I bought in high school and only had 3 months...paid $9,700....KBB was $13,500 in excellent condition...and the car was far from excellent, more like fair...one week later SF sent me a check for $13,500...when I get my windshields replaced...I request OEM glass and never been a problem within 7 model years with no out of pocket cost. Also OEM parts but you have to request it or only deal with body shops that only use OEM so they can stand behind their work.
I have seen family members get raked over the coals with Geico and Allstate...not to mention the smaller companies that require you to pay the deductible before they will release their payment.
All medical payments no matter what company is a pain in the *** as its a slippery slope so an attorney might be your best bet but still be ready for a fight.
It's interesting that you say that....ive been with StateFarm for 20 years and I've never had to battle with them. The one car I totaled was a 90 Acura Legend that I bought in high school and only had 3 months...paid $9,700....KBB was $13,500 in excellent condition...and the car was far from excellent, more like fair...one week later SF sent me a check for $13,500...when I get my windshields replaced...I request OEM glass and never been a problem within 7 model years with no out of pocket cost. Also OEM parts but you have to request it or only deal with body shops that only use OEM so they can stand behind their work.
I have seen family members get raked over the coals with Geico and Allstate...not to mention the smaller companies that require you to pay the deductible before they will release their payment.
All medical payments no matter what company is a pain in the *** as its a slippery slope so an attorney might be your best bet but still be ready for a fight.
You're very lucky - glad things worked out for you.
Although the article is a bit old, the list hasn't really changed much since then. If I could provide CHUBB for all my clients I would. By far the best coverage and the best client focused insurer in my opinion. Anyway, here it is https://www.justice.org/news/allstat...urer-consumers
I don't want to hijack the thread so this will be my last post unless it's directly relevant to what we're discussing..don't want to get
I have witnesses and a police report. State farm already said the other person is at fault and have agreed it was them. I just don't know how much is fair. I wasn't hurt but I had a little trama. At redlights I am worried someone is going to hit me in the side as soon as the light turns green. They agreed to $1000 there. I am not sure if that is fair but I agreed to that. They gave my uncle $1000 for pain and suffering which is probably fair. THe only unfair thing is what about his face? shouldn't they have to fix that and how much is that worth? I am just here looking for advice as to what would a reasonable payout should be and what should I accept and what I shouldn't accept. Right now we are at $1000 for him and $0 for medical bills. They want me to show the payment when I took him to the dr. That payment is usually $125. So my question is what is fair for what is going on with the face? I am afraid an injury attorney would look at it and say, well he only got a couple of bruises, no broken bones then just let it be. I don't think the thing is serious enough for that but I could be wrong.
I'm not a cheerleader for ANY insurance company...but I will defend State Farm here a little. I insure my cars with them and two years ago my wife totaled the Honda Odyssey van (her fault) and State Farm gave us full retail NADA value, less our $500 deductible. They are also one of the only providers I could find that would insure my wood shake shingle roof (home) at "full replacement value" rather than "actual cash value" (massive difference...when you're looking at a $30-40k roof).
So...my experience with them has been good...but make no mistake...they're not "cheap". I was with Geico for nearly 13 years before switching (only did because of the new house) and SF is much more expensive. I have a few claims with Geico...and not a problem with them either.
As for injury....a $1000 offer seems very weak. My friend just went through this a few months ago when a lady in Dallas pulled out into a busy street and caused a 4 car pile up. My friend's car was totaled and he had the typical bruises, bumps, mental trauma, and a sprained wrist, neck. He (for precautionary reasons) took physical therapy sessions twice a week for 12 weeks, and also a few doctor visits to "check his neck, wrist, etc) Trust me...he is FINE. Very doubtful he'll have future issues stemming from this wreck...but who is to really KNOW for sure (is his thought). His ins company paid the therapy bills but is turning around and billing the at fault insured's company in return. That insurance company tried to settle with him early on for a few thousand dollars. He said, no...I want to take some time with therapy/dr's and see what they say. Long story short...he added up "missed work time", "pain and suffering", "likelihood of FUTURE therapy/Dr visits" and sent them what "he thought was fair". Around $39k. They settled with him at $29k. I was shocked actually. His replacement car (brand new Hyundai) will be paid off (totaled a 2008 Dodge Journey with 200k) all bills paid, and still has $$$$ left over. Again, I'm not saying my buddy didn't deserve some $$$ for what he went through....but he came out like a rose on this....with no attorney. He DID, however, tell the ins co that "i won't get an atty involved if I feel like you guys are sincerely trying to give me a fair settlement". He said it was clear that the ins co did NOT want to get atty's involved, and said as much during their first conversation with him when they were in a hurry to settle with him. Maybe the hint of one will go a longs ways in cases like this.
I'm not a cheerleader for ANY insurance company...but I will defend State Farm here a little. I insure my cars with them and two years ago my wife totaled the Honda Odyssey van (her fault) and State Farm gave us full retail NADA value, less our $500 deductible. They are also one of the only providers I could find that would insure my wood shake shingle roof (home) at "full replacement value" rather than "actual cash value" (massive difference...when you're looking at a $30-40k roof).
So...my experience with them has been good...but make no mistake...they're not "cheap". I was with Geico for nearly 13 years before switching (only did because of the new house) and SF is much more expensive. I have a few claims with Geico...and not a problem with them either.
As for injury....a $1000 offer seems very weak. My friend just went through this a few months ago when a lady in Dallas pulled out into a busy street and caused a 4 car pile up. My friend's car was totaled and he had the typical bruises, bumps, mental trauma, and a sprained wrist, neck. He (for precautionary reasons) took physical therapy sessions twice a week for 12 weeks, and also a few doctor visits to "check his neck, wrist, etc) Trust me...he is FINE. Very doubtful he'll have future issues stemming from this wreck...but who is to really KNOW for sure (is his thought). His ins company paid the therapy bills but is turning around and billing the at fault insured's company in return. That insurance company tried to settle with him early on for a few thousand dollars. He said, no...I want to take some time with therapy/dr's and see what they say. Long story short...he added up "missed work time", "pain and suffering", "likelihood of FUTURE therapy/Dr visits" and sent them what "he thought was fair". Around $39k. They settled with him at $29k. I was shocked actually. His replacement car (brand new Hyundai) will be paid off (totaled a 2008 Dodge Journey with 200k) all bills paid, and still has $$$$ left over. Again, I'm not saying my buddy didn't deserve some $$$ for what he went through....but he came out like a rose on this....with no attorney. He DID, however, tell the ins co that "i won't get an atty involved if I feel like you guys are sincerely trying to give me a fair settlement". He said it was clear that the ins co did NOT want to get atty's involved, and said as much during their first conversation with him when they were in a hurry to settle with him. Maybe the hint of one will go a longs ways in cases like this.
The Bad: I am getting completely ripped off on the tires, They are brand new with about 5000 miles on it (4 months old max) and cost $1100. [but clean retail has good tires they said]. I have a $1700 exaust $2500 painted vertex bodykit, $325 roof spoiler. $500 service I just did not even a month before this happened. All this I lose
To sum it up the car isn't in clean retail shape and I am getting damn near nothing for the modifications to the car. Is what they are quoting me a "fair" deal? I think it is close to a fair deal.
Well to be 'fair', you were about to sell the car for $1,975 less to your cousin. You're not getting a bad deal now per-se.
05-27-15, 08:27 AM
) and State Farm gave us full retail NADA value, less our $500 deductible. They are also one of the only providers I could find that would insure my wood shake shingle roof (home) at "full replacement value" rather than "actual cash value" (massive difference...when you're looking at a $30-40k roof). 
