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Posted by Jack on January 31, 2002 at 18:30:43:
In Reply to: Re: Total Loss or not? posted by Sure-Net.com on January 31, 2002 at 10:35:56:
Thanks, I read a few posts after doing a search. If my insurance company is currently handling the claim, who do I submit a Loss Form to if I decide it is not worth repairing. Also, I will expect many supplements to my estimate which will take place tomorrow since I have a lot of suspension damage which will likely need to be smoothed out. Also, what if I have engine/tranny damage that does not pop up until after the repairs are done?
I do not know how to approach my claims handler as she keeps saying all you need to do now is wait for the shop to tell you it' finished. If you took a peek at my pictures of the damage it will likely take over a month to fix. The shop also said it would be likely that it take that long if not longer.
Thanks for the information,
: There are many posts on this forum that relate to your situation. It
boils down to your choice of making a liability claim against the resposible
party or making a collision claim with your own insurance company. In making
a collision claim you have the added leverage of a contract and rules that
dictate how your insurance company should respond. A total loss is determined
when the estimated cost of repairs, less salvage value, exceeds the value
of the automobile. You can either try to figure this out for yourself and
file your claim: Claim filing and adjusting information is at: http://www.disasterprepared.net/deserve.html or you can have the
adjuster who represents the reponsible party or the adjuster who represents
your company determine your claim for your approval or not. Calculating,
submitting and adjusting your own claim with an opposing adjuster is usually
worth the effort.
Full article in the book, "Policy Ensurance"
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