Alan: Thanks. See my "rant" answer to Joyce. Its sad, but right now, unless
I had a TON of money, I couldn't even fix it myself, which I COULD do, and
still get a title re-issued. The insurance company transferred the money to
the loan company WITHOUT us even knowing about it till AFTER the fact. I
LOVE living in Alabama, but am finding out they have the worst car insurance
laws in the country, if not the world. As of yesterday the car belongs to
Progressive, and they want me to give them $3900 for it "as is". (The Kelly
blue book, even though it was in mint condition, and Limited edition is only
$4400 or so) That's a crock and a half. Yet they'll end up selling it to
some junk yard for a cpl HUNDRED bucks. I'm finding out that in my state, if
you don’t have a lien free title to your car (or house) you REALLY do NOT
own your car and/or house etc. which is why the "little guy" will never get
ahead. The Rolling Stones had a song yrs ago called "Under My Thumb" and
that's just how the state laws and insurance lobby have us "peons" here I
guess. If I were rich, I could probably hire a lawyer and get it "right",
but that's not going to happen. Chuck
-----Original Message-----
From: Phxflytyer
Sent: Tuesday, November 11, 2014 4:55 PM
To: vfb-mail@googlegroups.com
Subject: Re: [VFB] OFF TOPIC. My Baby got crashed into by a deer
chuck
Please ask the insurance co. If they will sell it back to you.
That way you don't have to pay a markup to the junk yard.
It doesn't have to be towed away or towed back to you.
You should be able to find someone that will rebuild it for you at a cheaper
rate then is charged to the insurance co. Perhaps if
You go to a body shop and see if one of the workers will do it after hours
or on the weekend?
Sent from my iPad
Thank You,
Alan Di Somma
Phoenix, AZ.
Some mistakes are just too much fun to make only once.
On Nov 11, 2014, at 3:31 PM, "Chuck Alexander"
<chuckalexan...@centurylink.net> wrote:
I see. Sounds painful LOL.. I got bad news today as to the reality of how
the insurance industry works in America. Our car's damage was really
(besides the AC condenser and radiator rupturing) was no more that a
"fender bender". Frame was NOT bent, no windshields busted out, even the
air bags didn't have to be replaced and/or rest etc. But the insurance is
"totalling" the car, and they are going to pay us a check that amounts to
$400 LESS than what it will take to pay off what we owe on the car. It's
got us both hot under the collar to say the least. Mad as hell is more
like it. But, the insurance industry here has some of the biggest
lobbyists in Washington as well as in the state governments, and so they
are all in cahoots and one hand feeds the other in their world. I riced
all the parts that the car would have had to replaced, added the $65-95
per hour labor together and it should have been at the extremely high end,
no more than $2000-2200. They (the garage/body shop) wanted the insurance
company to pay them $4400+.
And in the state of Alabama, the insurance adjustors here work for the
state apparently (This is all new to us as it’s the first claim like this
we have EVER claimed in our lives. But anyway, once the adjuster signs
off as the car being "totalled", That's it, even if I could fix it myself
I'd have to pay off the lien, then try and find out which salvage yard
they are going to sell it to, go there and "buy" the car from them, and
that might be $1000-3000. Then, I'd have to file (and pay enormous fees)
for a "scrapyard repaired" new title on the car in order to get a title,
tags and insurance.
We have paid this company (Progressive Insurance Company) EVERY month for
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