Re: [alfa] GTV6 Rear-ended

[gwynnes1@xxxxxxxxxxx]

Similar problem a number of years ago. Clear fault of other party (ticket written by police) they tried to play games, I went to my insurance company and they said they would take it on my collision insurance and go after the other ins. company. A year later they won and collected the full amount ($6500 in repairs on a 12 year old 1981 BMW 528i) and then paid me the deductible I had to pay initially. Also, they did not raise my rates as the accident ws 100% other party (school bus came around corner on wrong side of the road and hit me head on as I was stopping for the intersection) after the accident, the middle of the bus body was hanging over the grass of the house on the corner). I think that if you examine your insurnce policy it will suggest that route. 
I think your agent is full of crap - you paid for your insurance and it is your insurance company's responsibility to pay you and go after the other party to recover!!!!!
Gwynne Spencer

-------------- Original message -------------- 

> Alfa Owners, 
> 
> I would really love some advice from those of you who know insurance law 
> and/or have dealt with having your baby wrecked. 
> 
> I was sitting at a stop light in my 1982 GTV6. It was a long light so I 
> took it out of gear and sat in neutral with the brake on. The light 
> turned and I had a little bit of trouble putting the car in gear. I moved 
> about 10 feet and got just hammered by the jerk who had previously been 
> stopped at the light behind me. I think he was on the phone and didn't 
> even notice that I was there, but rather noticed that all the other cars 
> had moved and he stomped on the gas. Anyway the one body shop in town who 
> would write me an estimate says it's $4700 to fix it. I believe it 
> because it's all frame damage. The whole back of the car is bent under 
> and there are creases running up both rear quarter panels. The spare tire 
> well is bent enough around the spare that it cannot be removed from the 
> car. The bumper is about 1.5 inches closer to the car on the passenger 
> side than the driver's. That's the damage. 
> 
> So I claim it with this moron's insurance company (State Farm) and they 
> don't want to pay me more for the car than $1570.16. They base this 
> number on "what two dealers said they would pay." I have no idea where 
> they got that number or which "dealers" they talked to. I have a declared 
> value on my insurance policy of $5000 which I think is fair (and I've paid 
> the premiums to prove it...). I have over $7000 in receipts for parts 
> alone, since I did almost all of the work myself. This car is in much 
> much better condition than most cars I could buy even if they did pay me 
> the declared value. When I told them that I have a declared value on the 
> car and expect to get that from them they told me to claim it on my 
> insurance, they will pay my deductible and then my insurance company will 
> "subrogate it." I talked to my agent, who is in the Alfa club, and he, 
> like I, figures that's not a very good way to deal with this. State 
> Farm's client did the deed and they should take care of the damage. Plus 
> there is no guarantee that my insurance company won't fight me tooth and 
> nail to make this go away. Nor any guarantee that they will pay me, 
> either. Has anyone dealt with this?!! How the heck do I get treated 
> fairly when they are getting paid to not treat me fairly? I either want 
> them to pay the $4700 to fix the car or pay me the declared value. I have 
> a fund started already for a paint job on the car... and then it would 
> have been basically done. Now I am faced with this mess. So you can 
> understand the condition of the car, here's what I have done: 
> 
> I've owned the car for almost 4 years. I bought a 3.0L engine from 
> England (was cheaper at the time) and installed it in the car. I rebuilt 
> the whole front suspension, driveshaft, and exhaust system. It has nearly 
> $1000 worth of Stebro exhaust on it, Konis, Sport springs, the 3.0L 75 
> motor, hot cams, seats from a 2001 VW GTI which I custom fabricated 
> adaptors for, a new carpet set, new dash, new water pump, new tensioner, 
> new brake master cylinder, new clutch master cylinder, new rotors and pads 
> all around, rebuilt front suspension (ball joints, tie rod ends, etc), 
> urethane bushings all around, rebuilt brake booster, new coolant hoses 
> throughout the car, Milano A/C system (works great!), Balocco rear seat, 
> 4.10 gearbox from a Milano (crunchy 2nd), new fuel pump, NOS gas cap, all 
> new rubber below the windows. etc. This car runs perfectly and is 
> practically brand new mechanically and in terms of the interior. I am 
> running european computers as well. The body is rust-free and (was) 
> straight. The paint is pretty bad. The car has stock 15" alloy wheels 
> with very recent Pirelli tires. 
> 
> Help! Thanks 
> 
> Karl 
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