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Insurance help? by Shill
Started on: 09-23-2013 10:31 AM
Replies: 78
Last post by: 84fiero123 on 09-26-2013 03:34 PM
84fiero123
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Report this Post09-24-2013 04:22 PM Click Here to See the Profile for 84fiero123Send a Private Message to 84fiero123Direct Link to This Post
forget it I am done trying to help you, if any of those photos is what caused your WRECK you are the worst driver on the planet.

I tried to give you advise, you think you know what the rules are, go for it. all you are going to get is more grief caused by your own stupidity, you started this in another section of the forum and didn't get the answers you liked, and brought it here to try and get some more sympathy to get your car fixed by someone else because you can't handle a car in that, you have got to be kidding me.

Good luck in life, you are going to need it, you should have taken what they offered.

Steve

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Detroit iron rules all the rest are just toys.

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Lambo nut
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Report this Post09-24-2013 04:34 PM Click Here to See the Profile for Lambo nutSend a Private Message to Lambo nutDirect Link to This Post
 
quote
Originally posted by DL10:
I think it's this one ...... He said it was the last photo that caused him to wreck. The other photos were showing how BAD the road was


This images is larger than 153600 bytes. Click to view.


I see....

Kevin
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Report this Post09-24-2013 04:46 PM Click Here to See the Profile for Lambo nutSend a Private Message to Lambo nutDirect Link to This Post

Lambo nut

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Mr. Hill,

Aztech Electric has reviewed the submitted information and came to the following conclusions:

#1. Your statement indicates that there was no signage indicating road hazards.
Response: The Pines Rd ITS project was an active job site that maintained road way construction signs throughout the duration of the project. Signage is required by the contracting agency and was in place.

#2. The pictures you attached show three different locations.
Response: None of the pictures show a hazard that, under normal construction site driving conditions with properly maintained and road worthy tires would cause a blow out and loss of control of a vehicle. As this was an active road project, the public should anticipate possible road hazards.

#3. Review of the Les Schwab’s quote indicates that the car is a 1984 Pontiac Fiero.
Response: I am sympathetic to your personal connection of the car but need to point out that the average fair market value of this car is less than half of the amount claimed.

#4. Towing of the car was required because of damages caused by loss of control of a vehicle in a posted construction zone.
Response: Loss of control leads me to believe that you must have been traveling at a higher rate of speed than what was posted. That particular tire path was experiencing at least 10,000 tire crossings a day without incident.

#5. You claim that the exact match of wheel and tire are no longer available.
Response: This leads me to believe that the tires and wheels are antiquated models (very old). We see no justification to replace old antiquated tires and wheels with 4 new high priced wheels and tires.

In conclusion, Aztech feels that the damages caused to your car were caused by lack of attention to construction signs in a construction zone, excessive speed in a construction zone, inability to maintain control at low speed , worn out and possibly improperly maintained tires. The claim far exceeds fair market value of the car. We do not feel that total new replacements are justified as the original equipment was not in new condition to begin with.

I am sympathetic to your claim and would like to offer $300 assistance to apply to your insurance deductible or purchase of 1 comparable used tire and wheel. If this is not acceptable, I would be willing to meet on site with you, the city of Spokane Valley police department and any witnesses you have to discuss the circumstances that led up to the loss of control in a construction zone. This offer is subject to acceptance within 3 days. After 3 days, Aztech will withdraw this offer and consider the claim closed.

Thank you,

Scott Lee
Project Manager/Estimator

Translation

#1 Should have paid attention.
#2 Nothing there to cause a problem AND should have paid attention.
#3 Got you by the nads there.
#4 No body else seemed to have a problem at his site.
#5 Got you by the nads again.

Got to agree with the others that say you are asking way too much. They are not going to replace four wheels and tires just because. Hell I had a sister in law get rear ended in here 2006 Kia Sedona a while back and the insurance would not pay for a new replacement bumper as now the plastic bumpers are "repairable". Such a crock over something that was 100% not her fault. I'm betting if they want, the value of the car could come to play and they could total it and you get a check for the value of a 84 Fiero and lose the car to boot. That 300 bucks not looking too bad now does it?

Kevin
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Report this Post09-24-2013 04:48 PM Click Here to See the Profile for DL10Click Here to visit DL10's HomePageSend a Private Message to DL10Direct Link to This Post
 
quote
Originally posted by Lambo nut:


I see....

Kevin


He has all these pictures but none of where the car actually hit the curb. I don't understand what curb he could have hit. If he was driving that far on the right side of the road and hitting that little ledge in the picture broke his ball joint he would be in the intersection before the car had a chance to hit the curb.
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Report this Post09-24-2013 05:56 PM Click Here to See the Profile for Lambo nutSend a Private Message to Lambo nutDirect Link to This Post
 
quote
Originally posted by DL10:


He has all these pictures but none of where the car actually hit the curb. I don't understand what curb he could have hit. If he was driving that far on the right side of the road and hitting that little ledge in the picture broke his ball joint he would be in the intersection before the car had a chance to hit the curb.


Oh I understand, and I can see why the company is brushing this off. Not really sure why it warrants not one but two thread on this forum.
Kind of getting tired of the "It's not my fault" generation.


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Report this Post09-24-2013 06:00 PM Click Here to See the Profile for MidEngineManiacSend a Private Message to MidEngineManiacDirect Link to This Post
 
quote
Originally posted by Shill:

I don't know why anyone would allow a 3rd party cause damages to their property and not expect them to pay for the proper repairs? Why does the overall value of the vehicle matter about the specific items damaged? Why does a car have to be "show quality" in order for someone to be responsible for damaging it?

If you were to spend thousands of dollars on new siding for your house, and many summers of blood sweat and tears on your landscaping, but the interior of your house was still from the 30's and some drunk were to drive off the road, tearign up your lawn and smashing into the side of your house, what would you expect them to fix? Oh, don't worry, i have extra siding, i can fix that myself, and don't worry about the grass, that will grow back? I'd also expect them to have a professional repair crew out to have it repaired to exactly how I had it. Would that mean they'd leave half of the yard covered in grass seed? and looking ugly for the next month? If the repair crew can't do it to the same quality that I had it originally, i'd expect them to compensate me for my time so that I could do it myself.




And the insurance company would tell you in no uncertain terms they ARE NOT re-siding your entire house, only the damaged area. Same with the lawn and shrubery, they are only repairing the damage, not re-doing the entire yard for you. Like it or leave it, thats the way it is.

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Report this Post09-24-2013 06:07 PM Click Here to See the Profile for Lambo nutSend a Private Message to Lambo nutDirect Link to This Post
 
quote
Originally posted by MidEngineManiac:


And the insurance company would tell you in no uncertain terms they ARE NOT re-siding your entire house, only the damaged area. Same with the lawn and shrubery, they are only repairing the damage, not re-doing the entire yard for you. Like it or leave it, thats the way it is.


Yep. Had some hail damage a couple years ago. They only paid to replace the pieces that were damaged, not the whole side.
The younger ones just haven't figured out how the world works yet.

Kevin
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Report this Post09-24-2013 06:39 PM Click Here to See the Profile for ShillSend a Private Message to ShillDirect Link to This Post
What I see is alot of people making assumptions, without attempting to understand what I am trying to get at.

[This message has been edited by Shill (edited 09-24-2013).]

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84fiero123
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Report this Post09-24-2013 08:16 PM Click Here to See the Profile for 84fiero123Send a Private Message to 84fiero123Direct Link to This Post
 
quote
Originally posted by Shill:

What I see is alot of people making assumptions, without attempting to understand what I am trying to get at.



What your trying to do is screw the insurance company for more than you disserve, sure they should fix your rim and buy you a tire, used tire with the same amount of wear as yours had, maybe even a ball joint, maybe.

What you are really doing could be construed as insurance fraud so watch what you say and do.

Remember me certified licensed auto body damage appraiser.

stop wining you are one of the worlds worst drivers.

People like you increase every ones rates.

Steve
------------------
Technology is great when it works,
and one big pain in the ass when it doesn't



Detroit iron rules all the rest are just toys.

[This message has been edited by 84fiero123 (edited 09-24-2013).]

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Report this Post09-24-2013 08:27 PM Click Here to See the Profile for ls3machSend a Private Message to ls3machDirect Link to This Post
 
quote
Originally posted by Shill:

What I see is alot of people making assumptions, without attempting to understand what I am trying to get at.



What I see is a guy who always thinks it is someone else's fault. You believe you are always right. You've made threads with similar BS. You wanted everyone to take your side in that selling of Sarah's car thread. Never did hear how that actually turned out. How about when you were reviewed at work and considered a distraction? When you changed some kind of work computer option and you didn't think you should be reprimanded.

There seems to be a common denominator.
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Report this Post09-24-2013 08:28 PM Click Here to See the Profile for ls3machSend a Private Message to ls3machDirect Link to This Post

ls3mach

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quote
Originally posted by 84fiero123:


What your trying to do is screw the insurance company for more than you disserve, sure they should fix your rim and buy you a tire, used tire with the same amount of wear as yours had, maybe even a ball joint, maybe.


Steve


I don't believe he is trying to "screw" anyone with malicious intent. I believe he is pushing the blame and actually feels entitled to these request/demands.
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Report this Post09-24-2013 08:35 PM Click Here to See the Profile for avengador1Send a Private Message to avengador1Direct Link to This Post
He is only entitled to his actual damages. In this case the replacement of one wheel.
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Report this Post09-24-2013 08:35 PM Click Here to See the Profile for MidEngineManiacSend a Private Message to MidEngineManiacDirect Link to This Post
what Steve said, PLUS...and dont forget...you voided your own coverage by not calling the cops to the scene at the time of the crash. I wont pretend to know the limit in WA (here it is over $1,000--which isnt really much these days). If damage is over that and you dont call them, it considered fleeing the scene (that can be jail time), PLUS with the circumstances and road condition you pictured, 1st thing to go thru thier mind is "he wrecked over THAT, significant damage,and didnt call us. Drunk or Stoned obviously"
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Report this Post09-24-2013 08:47 PM Click Here to See the Profile for BoondawgSend a Private Message to BoondawgDirect Link to This Post
 
quote
Originally posted by avengador1:

He is only entitled to his actual damages. In this case the replacement of one wheel.


Yeah, I believe the courts call it "Being made whole again".

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84fiero123
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Report this Post09-24-2013 08:52 PM Click Here to See the Profile for 84fiero123Send a Private Message to 84fiero123Direct Link to This Post
You do of course have the option to take them to small claims court, whatever the limit is in your state, of course then you are going to have the Burdon of proof, and it don't look good from here.

Steve

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Technology is great when it works,
and one big pain in the ass when it doesn't



Detroit iron rules all the rest are just toys.

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Report this Post09-24-2013 08:54 PM Click Here to See the Profile for DL10Click Here to visit DL10's HomePageSend a Private Message to DL10Direct Link to This Post
Come on guys we just don't see what he's trying to get at.......... And he obviously doesn't get what we're trying to say.
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Report this Post09-24-2013 08:59 PM Click Here to See the Profile for BoondawgSend a Private Message to BoondawgDirect Link to This Post
 
quote
Originally posted by DL10:

Come on guys we just don't see what he's trying to get at.......... And he obviously doesn't get what we're trying to say.


I absolutely do see what he's saying.
It's just that my experience with the legal system, albeit limited, leads me to the conclusion that he doesn't have a leg to stand on (for 4 rims & tires).

[This message has been edited by Boondawg (edited 09-24-2013).]

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84fiero123
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Report this Post09-24-2013 09:02 PM Click Here to See the Profile for 84fiero123Send a Private Message to 84fiero123Direct Link to This Post
 
quote
Originally posted by avengador1:

He is only entitled to his actual damages. In this case the replacement of one wheel.


Oh the damage could be more, it could be but without a damage appraisal by a licensed body shop with pictures of damage he doesn't have a leg to stand on for more than the wheel and tire. I have seen damage that you couldn't see without jacking the car up or putting it on a lift but there is a limit on just what they will cover on a 25 year old car with 25 year old suspension parts.

Steve

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Technology is great when it works,
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Detroit iron rules all the rest are just toys.

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Report this Post09-25-2013 12:13 AM Click Here to See the Profile for ShillSend a Private Message to ShillDirect Link to This Post
 
quote
Originally posted by 84fiero123:


Oh the damage could be more, it could be but without a damage appraisal by a licensed body shop with pictures of damage he doesn't have a leg to stand on for more than the wheel and tire. I have seen damage that you couldn't see without jacking the car up or putting it on a lift but there is a limit on just what they will cover on a 25 year old car with 25 year old suspension parts.

Steve


30 year old car, with 2 year old suspension parts and receipts and shop records to prove proper maintenance of car.

and as far as my driving record goes, not a single infraction.
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Report this Post09-25-2013 12:23 AM Click Here to See the Profile for ShillSend a Private Message to ShillDirect Link to This Post

Shill

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quote
Originally posted by ls3mach:


What I see is a guy who always thinks it is someone else's fault. You believe you are always right. You've made threads with similar BS. You wanted everyone to take your side in that selling of Sarah's car thread. Never did hear how that actually turned out. How about when you were reviewed at work and considered a distraction? When you changed some kind of work computer option and you didn't think you should be reprimanded.

There seems to be a common denominator.


Always thinking something is someone's elses fault is pushing it quite a bit. I know exactly when something is my fault. I know when I am without a doubt certain that something is not my fault, I also know when things may lie in the gray area and nobody knows whos fault it is. My ultimate fallacy is that I NEVER give up, even when I see defeat is imminent. I will continue to push through it and rightfully admit defeat and congratulate the winner. Such as seen here, though I do not see defeat at all. From my current perspective I still see that I am absolutely not at fault. I was not driving improperly. Just as you guys see "how could that possibly cause that damage" as did I at the time of the incident. I saw no need to avoid such thing. Unfortunately it did defeat me and my car. Now I am concerned, as to why something could be a potential hazard, someone skilled and trained in the area of road repair would not label it as such and allow drivers like us to drive over it without any forewarning.

I also don't get upset when other's don't see my way. Whether they agree with it or not is entirely up to them, but when I feel someone is completely ignorant of my views, I will continue to explain until it finally matches up and the other party and I can see eye to eye, or they simply get frustrated and give up, as I never do.

Though, while I do enjoy trying to argue my point here, none of this is directly related to why I created this thread, it is so far derailed. That is not a problem, that is why we have an O/T section. While I do agree, alot of the discussion here is somehow connected to the original question. I feel I have gotten nowhere with my original issue. I am asking for advice interpreting how a certain insurance company does business, whether or not I am in the right or wrong would be between me and them as I see it.

[This message has been edited by Shill (edited 09-25-2013).]

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Report this Post09-25-2013 12:37 AM Click Here to See the Profile for DL10Click Here to visit DL10's HomePageSend a Private Message to DL10Direct Link to This Post
Insurance company's don't have to pay claims If they feel they are bogus. Since you didn't do anything to prove your claim when it happened they asked you to fill out the bond form and have it notarized. If they still don't feel like paying your claim they tell you SEE YOU IN COURT

Why didn't you file an accident report to the DMV as required by law?
Why no police report to save you from filling out the DMV report?
Why no pictures of the car where it hit the curb?
Why don't you meet up with the insurance guy, the city inspector, and the police and let us know how that works out for you.
You may feel you did nothing wrong but truth is you did everything wrong

[This message has been edited by DL10 (edited 09-25-2013).]

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Report this Post09-25-2013 12:51 AM Click Here to See the Profile for ShillSend a Private Message to ShillDirect Link to This Post
 
quote
Originally posted by DL10:

Insurance company's don't have to pay claims. If they feel they are bogus. Since you didn't do anything to prove your claim when it happened they asked you to fill out the bond form and have it notarized. If they still don't feel like paying your claim they tell you SEE YOU IN COURT

Why didn't you file an accident report to the DMV as required by law?
Why no police report to save you from filling out the DMV report?
Why no pictures of the car where it hit the curb?
Why don't you meet up with the insurance guy, the city inspector, and the police and let us know how that works out for you.
You may feel you did nothing wrong but truth is you did everything wrong



I was never informed/educated that any of this was required. at the time, I just thought as you all do now. That's just a broken wheel and tire, I can fix that myself no biggie. only a few hundred dollars. I get it home and realize that is not the case, I cannot find those wheels anywhere, and the shop will not repair it. Now the cost goes up, and being that I don't feel I am responsible at all, nor can I afford this. I should get in touch with whoever is responsible so that they can do they right thing and take care of this.
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Report this Post09-25-2013 01:22 AM Click Here to See the Profile for theBDubSend a Private Message to theBDubDirect Link to This Post
The pictures show an area that looks a lot like any other road.

You should have taken the $300.
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Report this Post09-25-2013 01:24 AM Click Here to See the Profile for theBDubSend a Private Message to theBDubDirect Link to This Post

theBDub

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quote
Originally posted by Shill:


I was never informed/educated that any of this was required. at the time, I just thought as you all do now. That's just a broken wheel and tire, I can fix that myself no biggie. only a few hundred dollars. I get it home and realize that is not the case, I cannot find those wheels anywhere, and the shop will not repair it. Now the cost goes up, and being that I don't feel I am responsible at all, nor can I afford this. I should get in touch with whoever is responsible so that they can do they right thing and take care of this.


So, it was your fault, until you couldn't cover the damages. Then it was someone else's.

And ignorance isn't an excuse. Should have taken the $300.
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Report this Post09-25-2013 01:58 AM Click Here to See the Profile for KhwSend a Private Message to KhwDirect Link to This Post
 
quote
Originally posted by Shill:


I was never informed/educated that any of this was required.


Unfortunately, ignorance of the law is not a defense.

"I didn't know I couldn't cross that double yellow line to pass the guy that was going 15 MPH under the speed limit"

Yeah, I had a friend try that one, he got the ticket and ended up paying the fine anyways. Worst thing was once he read the law and found out he really did break it, he argued a technicality to try to get off.

"But I didn't "cross the lines". Only my drivers side tires went over them so my entire vehicle never crossed them. I just "swayed" over them.

Even so, you have a 30 year old car with what you say is $3000.00 in damages. The car will be totaled if you push it because I am fairly certain it won't book over 3k. Just so you know, it doesn't matter how much money you've put into it. You could have just paid 3 grand for a paint job and then get in a wreck the next day. If the car books at 2 grand and damages are over 2 grand, then you will get paid 2 grand on a total. The only way you could "really" get more then what the car books for is if you have special insurance with a agreed upon value. Even then though, you would have to go through your own insurance to get that agreed upon value. Also, insurance companies aren't responsible for "making all your wheels and tires match". They are responsible for replacing DAMAGED parts with the same part or a like one if the same one is not available. That only pertains to the one damaged wheel. They will at most replace it with another of like value, the rest of them are on you if you want them to match. Been there done that when my truck was stolen and wrecked. The insurance company paid for the fender, bumper, hood, grill, valance and lights. However since the paint was old and sun faded it wasn't going to match when those parts were sprayed. The insurance company would not pay to repaint the whole vehicle so it matched. If I wanted it to match, I had to pay to repaint what wasn't covered in the repairs.

Anyways, "if" you some how manage to convince them that the actual damages are 3k and they agree to responsibility, say goodbye to the car.

[This message has been edited by Khw (edited 09-25-2013).]

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Report this Post09-25-2013 06:47 AM Click Here to See the Profile for MidEngineManiacSend a Private Message to MidEngineManiacDirect Link to This Post
 
quote
Originally posted by Shill:
I was never informed/educated that any of this was required.


Thats your tough luck. Tens of thousands before you have tried the "I didnt know" defence and tens of thousands have failed.

 
quote
Originally posted by Shill:
Now the cost goes up, and being that I don't feel I am responsible at all, nor can I afford this.


What you feel or what you can afford are irrelevent.

 
quote
Originally posted by Shill:
I should get in touch with whoever is responsible so that they can do they right thing and take care of this.


You are in touch with him, he is posting under the username Shill.

The simple fact is you had a loss-of-control crash. It is your fault, and your fault alone. If you want your car fixed, then open your own wallet and fix it. Nobody else will, and the longer you continue to try to shift the blame and whine somebody else is responsable, the longer you are without your car.

This is real life, not TV's fantasy world, and sometimes you have to fix your own frack-ups, and it costs time and money. Get used to it, you will spend less time angry.

[This message has been edited by MidEngineManiac (edited 09-25-2013).]

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84fiero123
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Report this Post09-25-2013 08:37 AM Click Here to See the Profile for 84fiero123Send a Private Message to 84fiero123Direct Link to This Post
 
quote
Originally posted by Shill:

30 year old car, with 2 year old suspension parts and receipts and shop records to prove proper maintenance of car.

and as far as my driving record goes, not a single infraction.


so you put a new lower control arm on? you said that got damaged.
so you just put a new ball joint on? you said that got damaged.

so we haven't answered your question, just WTF is it?

because I thought I answered already every question you asked about what to do.

Steve

------------------
Technology is great when it works,
and one big pain in the ass when it doesn't



Detroit iron rules all the rest are just toys.

[This message has been edited by 84fiero123 (edited 09-25-2013).]

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Report this Post09-25-2013 09:47 AM Click Here to See the Profile for 84fiero123Send a Private Message to 84fiero123Direct Link to This Post

84fiero123

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Member since Oct 2004
After looking at your other thread and looking at all your pictures I have a couple of questions for you.

what size tires are you running? are they the proper size as recommended on the tire placard? because they look like those low profile tires to me, I couldn't see the size in the pictures. but if they are not the recommended size you are SOL. those low profile tires should never have been put on any car, not enough sidewall for everyday driving, especially in a construction zone with imperfect road surface. You also should not have passed your states safety inspection. So again you are SOL.

As well as have you lowered your car? like so many others who do this when you do that it makes the car more susceptible to damage and negates some of your insurance coverage, unless you have a special rider policy.

there are no pictures of the other damage you SAY is there, without pictures of all the damage you say you have sustained you are SOL.

see there is a proper way to file a property claim, yes that is what you have a property claim, its your property that was damaged. you should have called the police for a police report, would have helped your case immensely, you didn't so you are SOL.

Steve

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Technology is great when it works,
and one big pain in the ass when it doesn't



Detroit iron rules all the rest are just toys.

[This message has been edited by 84fiero123 (edited 09-25-2013).]

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rogergarrison
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Report this Post09-25-2013 12:57 PM Click Here to See the Profile for rogergarrisonSend a Private Message to rogergarrisonDirect Link to This Post
Response #4 hit the nail on the head. You should have taken their offer. Contact your insurance company and add collision/ comprehensive coverage (that would have covered actual damage/ or totalled the car and given you a check).
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84fiero123
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Report this Post09-25-2013 02:44 PM Click Here to See the Profile for 84fiero123Send a Private Message to 84fiero123Direct Link to This Post
 
quote
Originally posted by rogergarrison:

Response #4 hit the nail on the head. You should have taken their offer. Contact your insurance company and add collision/ comprehensive coverage (that would have covered actual damage/ or totalled the car and given you a check).




And just to give Shill and others a heads up on that, you don't have to let them take your car, you can take the check and buy back your car for the salvage value, that is usually just a few hundred in the case of our Fiero's. did that myself once to a car I really loved, got told they were going to pay me forget the actual amount long time ago, but lets say 3K and bought it back for 500 then put less than 500 in parts into it and paint and had my car back to new and drove it for several more years before I had to finally give up on it after the second or maybe it was 3rd trany.

Insurance companies suck, but you got to deal with them so learn as much as you can about how they work.

Steve

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Technology is great when it works,
and one big pain in the ass when it doesn't



Detroit iron rules all the rest are just toys.

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Tstang429
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Report this Post09-25-2013 04:54 PM Click Here to See the Profile for Tstang429Send a Private Message to Tstang429Direct Link to This Post
As far as your wheels go. Hope you have the receipt. I can see wheels going one of two ways. If they decide to play. you will need to prove there cost or they will give you value for a used set of factory wheels. Same thing that happens when a car stereo is stolen prove what you had and its cost or you get factory cost coverage.
Second I feel bad for you incident but as a motorcycle rider I have learned to watch the road ahead of me . How the heck did you not see that big of a change in road height. They have been doing a lot of grading around here and repaving. Our man hole covers are that high up right now. Not trying to be a butt on this just don't understand how you did that much damage with that visible of a condition. I hit a pothole or rode change or hazard that big and my life could be over.
Third at a transmission shop I worked a girl bottomed out her infinity going over rail road tracks. Torn the pan clear off the car. Road condition's where a steep angle. They told her sorry you where going to fast for conditions. She was doing 25 when she came over them and it was a hill up hill down tracks. Just as I sad above they more of less said pay attention to the road conditions.
I mean do you sue the roofer who misses one nail working on your house and you run over it getting a flat?
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Shill
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Report this Post09-25-2013 05:43 PM Click Here to See the Profile for ShillSend a Private Message to ShillDirect Link to This Post
I have full coverage on this car, i did when this incident happened. It is only a $100 deductible also. this is not the issue. Why do you all assume i have no coverage for this?
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Shill
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Report this Post09-25-2013 05:51 PM Click Here to See the Profile for ShillSend a Private Message to ShillDirect Link to This Post

Shill

2166 posts
Member since Apr 2009
 
quote
Originally posted by 84fiero123:

After looking at your other thread and looking at all your pictures I have a couple of questions for you.

what size tires are you running? are they the proper size as recommended on the tire placard? because they look like those low profile tires to me, I couldn't see the size in the pictures. but if they are not the recommended size you are SOL. those low profile tires should never have been put on any car, not enough sidewall for everyday driving, especially in a construction zone with imperfect road surface. You also should not have passed your states safety inspection. So again you are SOL.

As well as have you lowered your car? like so many others who do this when you do that it makes the car more susceptible to damage and negates some of your insurance coverage, unless you have a special rider policy.

there are no pictures of the other damage you SAY is there, without pictures of all the damage you say you have sustained you are SOL.

see there is a proper way to file a property claim, yes that is what you have a property claim, its your property that was damaged. you should have called the police for a police report, would have helped your case immensely, you didn't so you are SOL.

Steve

Then explain to me why the most common tire size from an OEM is 225/55/17? http://tireguides.com/tiretips/tiredocument/11

Also, the car is not lowered.

Take a second look at the pictures, you can clearly see the broken balljoint, and control arm as it it resting on the lower lip of the wheel.
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DL10
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Report this Post09-25-2013 05:54 PM Click Here to See the Profile for DL10Click Here to visit DL10's HomePageSend a Private Message to DL10Direct Link to This Post
 
quote
Originally posted by Shill:

I have full coverage on this car, i did when this incident happened. It is only a $100 deductible also. this is not the issue. Why do you all assume i have no coverage for this?


It doesn't matter if you have full coverage or not ........ You know even if you turn this in to your insurance you will still not get 4 tires and wheels... It just doesn't work that way.... Your best bet at this time is to just sell it for parts.
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1988holleyformula
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Report this Post09-25-2013 06:06 PM Click Here to See the Profile for 1988holleyformulaSend a Private Message to 1988holleyformulaDirect Link to This Post
 
quote
Originally posted by DL10:


It doesn't matter if you have full coverage or not ........ You know even if you turn this in to your insurance you will still not get 4 tires and wheels... It just doesn't work that way.... Your best bet at this time is to just sell it for parts.


True this.^

I had my mother back into my WRX this summer, and she bent one of the fully adjustable JDM struts. These struts can't be found stateside nowadays, with every retailer saying they are on backorder with no expected ship date. Since I couldn't find a direct replacement, my insurance company paid for a single OEM rear strut and spring, and I was left paying out of pocket for the other three.

[This message has been edited by 1988holleyformula (edited 09-25-2013).]

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84fiero123
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Report this Post09-25-2013 06:37 PM Click Here to See the Profile for 84fiero123Send a Private Message to 84fiero123Direct Link to This Post
 
quote
Originally posted by Shill:

Then explain to me why the most common tire size from an OEM is 225/55/17? http://tireguides.com/tiretips/tiredocument/11

Also, the car is not lowered.

Take a second look at the pictures, you can clearly see the broken balljoint, and control arm as it it resting on the lower lip of the wheel.


If you have full coverage why are you even trying to do anything other than file a claim?

are you just stupid, this all could have been over right after the accident if you just filed a claim with your own insurer.

I really don't care what the most common size is, if you are running anything other than the proper size for your car as specified in you tire placard you should never have passed inspection, its that simple. don't believe me, ask anyone. there are reasons why they have tire sizes, but you know it all now don't you.

the size your car calls for is the size that should be on there, if its not you are only allowed so many other sizes, by state law in the state you are in for your car. don't believe me, look it up in your states inspection rules. if they are those fancy low profile tires you are also screwed.

Steve

------------------
Technology is great when it works,
and one big pain in the ass when it doesn't



Detroit iron rules all the rest are just toys.

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84fiero123
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Report this Post09-25-2013 06:39 PM Click Here to See the Profile for 84fiero123Send a Private Message to 84fiero123Direct Link to This Post

84fiero123

29950 posts
Member since Oct 2004
 
quote
Originally posted by Shill:

I have full coverage on this car, i did when this incident happened. It is only a $100 deductible also. this is not the issue. Why do you all assume i have no coverage for this?


How about because you are an idiot for not filing a claim with your own company?
What you are tying to do is insurance fraud, you are trying to get more than the damage, you really are a fkn idiot and people like you are the reason everyone's insurance rates are so high. don't believe I really don't give a fuk I have been driving and insured longer than you have been alive.
don't like what I said, call the cops, you should have when this happened but then you know everything, including how they should be paying you for four new tires and rims when only one was damaged. you really are an idiot.
Steve

------------------
Technology is great when it works,
and one big pain in the ass when it doesn't



Detroit iron rules all the rest are just toys.

[This message has been edited by 84fiero123 (edited 09-25-2013).]

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rogergarrison
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Report this Post09-26-2013 12:43 PM Click Here to See the Profile for rogergarrisonSend a Private Message to rogergarrisonDirect Link to This Post
 
quote
Originally posted by Shill:

I have full coverage on this car, i did when this incident happened. It is only a $100 deductible also. this is not the issue. Why do you all assume i have no coverage for this?


IF you do have full coverage why are you here. You just call your insurance company and file a claim, pay the $100 deductible and take what they give you. Its not your responsibilty to hunt down someone you think is at fault. Thats what the insurance company lawyers do...........AFTER THEY PAY YOU.

[This message has been edited by rogergarrison (edited 09-26-2013).]

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84fiero123
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Report this Post09-26-2013 03:34 PM Click Here to See the Profile for 84fiero123Send a Private Message to 84fiero123Direct Link to This Post
 
quote
Originally posted by rogergarrison:


IF you do have full coverage why are you here. You just call your insurance company and file a claim, pay the $100 deductible and take what they give you. Its not your responsibilty to hunt down someone you think is at fault. Thats what the insurance company lawyers do...........AFTER THEY PAY YOU.



Why because he knows his company won't pay him what he thinks he disserves for being such a bad driver, he knows he won't get what he wants out of his own company and wants more, plain and simple, he wants more than he is allowed.

did you look at those pictures he posted in the other thread?

I did again and that ball joint pulled out of its socket, not something a new or fairly new, 2 years old ball joint would do.

This images is larger than 153600 bytes. Click to view.

Uploaded with ImageShack.us

he is trying to screw the insurance company

Steve

------------------
Technology is great when it works,
and one big pain in the ass when it doesn't



Detroit iron rules all the rest are just toys.

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