Simple 'Yes' or 'No' question...
06-25-2006, 09:20 AM
#11
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Join Date: Feb 2002
Location: Amityville, New York
Posts: 12,288
I deal with insurance comapies just about daily. When you first put a used car on a policy they require the car to be inspected and pictures taken of it for pre-existing damage. Even if you have owned the car and change companies they require a new inspection to avoid scams.
They cant after the fact say "well, your seats are worn out and the carpet is dirty so we are not giving you anymore money"
people allow insurance adjusters to get away with things that are borderline illegal because they do not know thier rights. Most of the time people think they know better then a shop or want to fix the car themselves and have the adjuster come to thier house, the adjuster knows you dont know your rights and takes advantage in the interest of saving the insurance company money.
They may also demand what shop THEY want the car fixed in, that is 100% illegal but most people dont know thier rights and give in out of fear of not getting thier car fixed.
They cant after the fact say "well, your seats are worn out and the carpet is dirty so we are not giving you anymore money"
people allow insurance adjusters to get away with things that are borderline illegal because they do not know thier rights. Most of the time people think they know better then a shop or want to fix the car themselves and have the adjuster come to thier house, the adjuster knows you dont know your rights and takes advantage in the interest of saving the insurance company money.
They may also demand what shop THEY want the car fixed in, that is 100% illegal but most people dont know thier rights and give in out of fear of not getting thier car fixed.
06-25-2006, 11:36 AM
#12
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Join Date: Apr 2002
Location: VA
Posts: 2,532
Originally Posted by Rob x-7' post='826000' date='Jun 25 2006, 09:20 AM
I deal with insurance comapies just about daily. When you first put a used car on a policy they require the car to be inspected and pictures taken of it for pre-existing damage. Even if you have owned the car and change companies they require a new inspection to avoid scams.
They cant after the fact say "well, your seats are worn out and the carpet is dirty so we are not giving you anymore money"
people allow insurance adjusters to get away with things that are borderline illegal because they do not know thier rights. Most of the time people think they know better then a shop or want to fix the car themselves and have the adjuster come to thier house, the adjuster knows you dont know your rights and takes advantage in the interest of saving the insurance company money.
They may also demand what shop THEY want the car fixed in, that is 100% illegal but most people dont know thier rights and give in out of fear of not getting thier car fixed.
Insurance company practices ( and prices! ) vary from state to state. I understand it's very different in NY/NJ than it is in VA. I have had many cars, new and used, insured through several different companies, and not one was required to be inspected. If you feel that your insurance company is jerking you around, contact your state's Commissioner of Insurance. They will (particulary in Virginia) work to make sure you aren't getting dicked.
06-25-2006, 12:16 PM
#13
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Thread Starter
Join Date: Apr 2006
Posts: 190
Actually, they told me over the phone that when the adjuster was to come out they would 'adjust' the value also based on 'your tires' and 'your interior's overall condition' and 'any damage that was on the car prior to the incident'.
No adjuster came out when I put any car on the policy. They don't feel the need to do that, apparently.
I already told them I did not want Heyward Allen Toyota fixing the damage on my car, that I had a friend who would do it for me if the case were I wanted it repaired and he had all parts. They said that's fine.
I'm worried just how well they'll go over it and if I should park it in the grass so that they can't see it's leaking crap.
No adjuster came out when I put any car on the policy. They don't feel the need to do that, apparently.
I already told them I did not want Heyward Allen Toyota fixing the damage on my car, that I had a friend who would do it for me if the case were I wanted it repaired and he had all parts. They said that's fine.
I'm worried just how well they'll go over it and if I should park it in the grass so that they can't see it's leaking crap.
06-25-2006, 12:39 PM
#14
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Join Date: May 2002
Location: California
Posts: 22,465
when i crashed my fd (it was yellow), it sat in a tow yard until monday, then my inurance took it to thiers (maybe have been the same yard for all i know), and then in a couple of weeks they called me and sent me a lot more money than i thought they would. somewhere in there they inspected it.
although they didnt inspect it when i bought it. they do ask a couple of vauge questions about how nice it is, but that was it. i got the car back (i bought a yellow fd for $320 and drove it home, top that), then we took it to a body shop and its now fixed and residing in davis ca, still running on the original motor @100k
i had a point, but i'm not sure exactly what
although they didnt inspect it when i bought it. they do ask a couple of vauge questions about how nice it is, but that was it. i got the car back (i bought a yellow fd for $320 and drove it home, top that), then we took it to a body shop and its now fixed and residing in davis ca, still running on the original motor @100k
i had a point, but i'm not sure exactly what
06-25-2006, 01:43 PM
#15
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Join Date: Oct 2003
Location: Boston Ma.
Posts: 1,420
I want an FD for $320.
06-25-2006, 06:58 PM
#16
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Join Date: Feb 2002
Location: Amityville, New York
Posts: 12,288
laws vary then, like I said- if the car got stolen or was burnt how would they know what condition ANYTHING was in?
You should have the car adjusted at a shop, that way they can take apart some of it and get paid for everything, but in a case of a 1987 GXL they will probably just total it.
You should have the car adjusted at a shop, that way they can take apart some of it and get paid for everything, but in a case of a 1987 GXL they will probably just total it.
06-25-2006, 07:23 PM
#17
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Thread Starter
Join Date: Apr 2006
Posts: 190
Ooooooh I've had the FUNNEST day today...
Last night, I had my mom's friend jump me so I could make sure the battery was charged up, knowing that in three days of sitting it would drain. So I go out today to start it and there is absolutely NO power. Walked over to my cute neighbor Paul's house and asked if he had any jumpers. He grabbed this portable little box thingy and walked over to my driveway to jump me. It SLOWLY cranked about three times then fired, screamed to 3 grand and promptly died. He removed the jumpers from the battery the second it revved, so we assumed he'd simply removed them quickly and as a result *somehow* killed it. He reconnected them and I started it again (Turning over real slow) it fired, and I was smart enough to put it in first this time. It revved to about a grand then died. Now that I'm red in the face pissed off, I get out and start checking connections and ****. Then he goes: Now, this is a stupid question, but there is gas in it right?
Me: Yeah, according to my gauge...
Cute neighbor Paul: ...well it is an import...
Me: Pfft, hold on... *Goes and checks the gauge with the ignition on* it reads juuuust under a 1/4.
Cute neighbor Paul: I'll be right back... *walks off to get gas, comes back and starts pouring it in*
Me: That *is* regular unleaded, riight?
Cute neighbor Paul: Uh, I think so. It runs on that right?
Me: No, it runs on hopes and dreams.... *rolls eyes*
So anyway, I started it again (Cranked slow once and fired). So apparently now my gas gauge gives a false reading. Fuuuuuun, eh?
I drove to the gas station, after about 20 minutes of driving, then I go to put gas in and the pump keeps switching off. I had mommy's plastic, so I figured maybe she'd maxed out or something. Canceled it, pressed pay with cash and started pumping, but the problem didn't go away. Well, as it turns out, the gas isn't flowing into the tank very quickly all of the sudden and was tripping the pump-off switch. It took me 30 minutes to get 2 gallons of gas...
When I went in to pay, the girl at the counter goes: Have you never pumped gas before?
Me: Oh honey, I've pumped more than gas before...
Paid and left.
Anyways, so then the battery was dead again! Walked into the pizza placed and ordered jumper cables (He asked what I wanted to order and that's what I told him) so this pizza runner with gorgeous eyes gives me a jump and I'm on my way.
Went to drive the Daytona Turbo. Took two tries to start the ******. I put it in to gear, got comfy in my seat and thought "Wow, so far it seems pretty decent"
Well first off, the power steering has no fluid , he said it leaks, so it was a fun little manuever getting out. Hit the gas and it stuck a little bit, but slowly returned back to me. The Turbo still spooled, but only provided what the gauge said was like 3lbs of boost. The car was slow as *****! The speedometer didn't work at all.
I went to slow down to stop and my foot is to the floor, but we're not really slowing down a lot. He says that the brakes need to be bled, but the pads were all new! So we're slowing...slowing...slooooooowinSCREEEEEEEEEEEEEEE EECH! Full. *******. Lock! Out of nowhere!!! Thankfully I know how to drive and easily missed the ditch and the street sign, which ironically was a STOP sign.... Turned around and heard the CVs clickin' like it's no tomorrow. Floored it and finally noticed that the steering wheel shakes violently at all speeds, slowed down a little and it tried to pull. Then I hit a pot hole in the road which seriously almost sent us into a tree because the suspension is so bad.
Drove back, parked it, and told him I'd call him if I got the money.
funny thing is, through all these OBVIOUS problems, he was telling me what a good car it was and that it didn't required anything but paint! BULLSHIT
I'm pretty bummed...800 bucks would've been nice for a turbo car...
Then on the way home in the Seven, it starts raining bad. I hit my window switch and by accident pressed the passenger switch that has NEVER worked a day in it's life, suddenly decides it wants to go down halfway in the pouring rain!
I tried to get it to go back up to no avail. So I had my grandmother hold her window switch up and I did the same. Ten minutes later, the passenger window goes up again....
-sigh- What more is this car going to do to me? It's not like I mistreat the car. I maintain it right and have a little fun with it now and again. I love the car, but now the ******* thing is falling apart just because of some stupid bitch who can't drive.
I'm gonna see what insurance wants to give me. The guy that wanted it before hasn't gotten back to me, but some other guy said he's gonna try and get money because he wants it so bad he 'creamed his jeans when he saw it'
There's a red '86 which I think is the one that was previously for sale with the description that it smokes a little upon startup and for a few miles then stops....for 1200.....
Where's my tequila? .....Oh yeah, drank it all yesterday...along with Sherry and Wine!
Last night, I had my mom's friend jump me so I could make sure the battery was charged up, knowing that in three days of sitting it would drain. So I go out today to start it and there is absolutely NO power. Walked over to my cute neighbor Paul's house and asked if he had any jumpers. He grabbed this portable little box thingy and walked over to my driveway to jump me. It SLOWLY cranked about three times then fired, screamed to 3 grand and promptly died. He removed the jumpers from the battery the second it revved, so we assumed he'd simply removed them quickly and as a result *somehow* killed it. He reconnected them and I started it again (Turning over real slow) it fired, and I was smart enough to put it in first this time. It revved to about a grand then died. Now that I'm red in the face pissed off, I get out and start checking connections and ****. Then he goes: Now, this is a stupid question, but there is gas in it right?
Me: Yeah, according to my gauge...
Cute neighbor Paul: ...well it is an import...
Me: Pfft, hold on... *Goes and checks the gauge with the ignition on* it reads juuuust under a 1/4.
Cute neighbor Paul: I'll be right back... *walks off to get gas, comes back and starts pouring it in*
Me: That *is* regular unleaded, riight?
Cute neighbor Paul: Uh, I think so. It runs on that right?
Me: No, it runs on hopes and dreams.... *rolls eyes*
So anyway, I started it again (Cranked slow once and fired). So apparently now my gas gauge gives a false reading. Fuuuuuun, eh?
I drove to the gas station, after about 20 minutes of driving, then I go to put gas in and the pump keeps switching off. I had mommy's plastic, so I figured maybe she'd maxed out or something. Canceled it, pressed pay with cash and started pumping, but the problem didn't go away. Well, as it turns out, the gas isn't flowing into the tank very quickly all of the sudden and was tripping the pump-off switch. It took me 30 minutes to get 2 gallons of gas...
When I went in to pay, the girl at the counter goes: Have you never pumped gas before?
Me: Oh honey, I've pumped more than gas before...
Paid and left.
Anyways, so then the battery was dead again! Walked into the pizza placed and ordered jumper cables (He asked what I wanted to order and that's what I told him) so this pizza runner with gorgeous eyes gives me a jump and I'm on my way.
Went to drive the Daytona Turbo. Took two tries to start the ******. I put it in to gear, got comfy in my seat and thought "Wow, so far it seems pretty decent"
Well first off, the power steering has no fluid , he said it leaks, so it was a fun little manuever getting out. Hit the gas and it stuck a little bit, but slowly returned back to me. The Turbo still spooled, but only provided what the gauge said was like 3lbs of boost. The car was slow as *****! The speedometer didn't work at all.
I went to slow down to stop and my foot is to the floor, but we're not really slowing down a lot. He says that the brakes need to be bled, but the pads were all new! So we're slowing...slowing...slooooooowinSCREEEEEEEEEEEEEEE EECH! Full. *******. Lock! Out of nowhere!!! Thankfully I know how to drive and easily missed the ditch and the street sign, which ironically was a STOP sign.... Turned around and heard the CVs clickin' like it's no tomorrow. Floored it and finally noticed that the steering wheel shakes violently at all speeds, slowed down a little and it tried to pull. Then I hit a pot hole in the road which seriously almost sent us into a tree because the suspension is so bad.
Drove back, parked it, and told him I'd call him if I got the money.
funny thing is, through all these OBVIOUS problems, he was telling me what a good car it was and that it didn't required anything but paint! BULLSHIT
I'm pretty bummed...800 bucks would've been nice for a turbo car...
Then on the way home in the Seven, it starts raining bad. I hit my window switch and by accident pressed the passenger switch that has NEVER worked a day in it's life, suddenly decides it wants to go down halfway in the pouring rain!
I tried to get it to go back up to no avail. So I had my grandmother hold her window switch up and I did the same. Ten minutes later, the passenger window goes up again....
-sigh- What more is this car going to do to me? It's not like I mistreat the car. I maintain it right and have a little fun with it now and again. I love the car, but now the ******* thing is falling apart just because of some stupid bitch who can't drive.
I'm gonna see what insurance wants to give me. The guy that wanted it before hasn't gotten back to me, but some other guy said he's gonna try and get money because he wants it so bad he 'creamed his jeans when he saw it'
There's a red '86 which I think is the one that was previously for sale with the description that it smokes a little upon startup and for a few miles then stops....for 1200.....
Where's my tequila? .....Oh yeah, drank it all yesterday...along with Sherry and Wine!
06-26-2006, 01:54 AM
#18
Senior Member
Join Date: Jan 2004
Location: Columbia IL/St. Louis MO
Posts: 2,748
Ummm, so after all that you are saying that you own a 86 GXL with some problems? Get rid of it. I am dealing with a wrecked 89 GTU right now, and it is a huge pain in the ***. Not restoring by any means just parting out, but still a pain.
And sorry, but who the hell are you again?? I have not been on this forum as frequently as I was.
And sorry, but who the hell are you again?? I have not been on this forum as frequently as I was.
06-26-2006, 09:00 AM
#19
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Join Date: Apr 2002
Location: VA
Posts: 2,532
Originally Posted by QuackDamnYou' post='826065' date='Jun 25 2006, 07:23 PM
Ooooooh I've had the FUNNEST day today...
Me: Yeah, according to my gauge...
Cute neighbor Paul: ...well it is an import...
Me: Pfft, hold on... *Goes and checks the gauge with the ignition on* it reads juuuust under a 1/4.
Cute neighbor Paul: I'll be right back... *walks off to get gas, comes back and starts pouring it in*
Me: That *is* regular unleaded, riight?
Cute neighbor Paul: Uh, I think so. It runs on that right?
Me: No, it runs on hopes and dreams.... *rolls eyes*
When I went in to pay, the girl at the counter goes: Have you never pumped gas before?
Me: Oh honey, I've pumped more than gas before...
Paid and left.
Anyways, so then the battery was dead again! Walked into the pizza placed and ordered jumper cables (He asked what I wanted to order and that's what I told him) so this pizza runner with gorgeous eyes gives me a jump and I'm on my way.
I'm gonna see what insurance wants to give me. The guy that wanted it before hasn't gotten back to me, but some other guy said he's gonna try and get money because he wants it so bad he 'creamed his jeans when he saw it'
Your post reminds me of the last time I dropped in on my insurance agent to see if she could get me a cheaper policy. She was looking extra hot and was in fact perspiring in the luscious valley between her two large, perfectly shaped breasts. She said she was going to have to come over and see if all my standard equipment was in good working order. I assured her that it was. Suddenly I noticed that she had slipped off her high-heeled pumps and was working her foot ever closer to my crotch, her little toes tickling my inner thigh as she got closer to her goal. I blew my load before she could even get started. Then she told me that she would have to check a few prices and get back to me. I thanked her profusely and left, being sure to pull my shirt down over the front of my pants so the wet spot wouldn't show so much....
06-26-2006, 09:09 AM
#20
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Thread Starter
Join Date: Apr 2006
Posts: 190
Originally Posted by 1988RedT2' post='826124' date='Jun 26 2006, 10:00 AM
Your post reminds me of the last time I dropped in on my insurance agent to see if she could get me a cheaper policy. She was looking extra hot and was in fact perspiring in the luscious valley between her two large, perfectly shaped breasts. She said she was going to have to come over and see if all my standard equipment was in good working order. I assured her that it was. Suddenly I noticed that she had slipped off her high-heeled pumps and was working her foot ever closer to my crotch, her little toes tickling my inner thigh as she got closer to her goal. I blew my load before she could even get started. Then she told me that she would have to check a few prices and get back to me. I thanked her profusely and left, being sure to pull my shirt down over the front of my pants so the wet spot wouldn't show so much....