What do I need to know about filing a car insurance claim?
December 12, 2013 10:43 AM Subscribe
In November I purchased a 1985 Volkswagen Vanagon. Two days ago it was hit in the middle of the night. They drove off at the time, but came back the next morning and gave their insurance information.
posted by jsturgill to Law & Government (7 answers total) 1 user marked this as a favorite
I have liability only on my the van, and my insurance (Farmers) told me to file a claim with the other person's insurance; I need to deal directly with them. This is kind of a bummer, because I'd hoped my insurance would get together with their insurance and I wouldn't really have to do that much.
Three of the four steel wheels are bent, the bumper's damaged, and there's body damage. Something is up with the front tires as well; one is at an extreme angle, the other is parallel to the body. Plus two of the tires are flat. New wheels and tires would likely be at/over $1,000, plus the rods or whatever is going on in the front, plus the bumper...
I want to be made whole. To me, that means I get a check for what I paid for the vehicle less than a month ago or it gets fully repaired. What I don't want is for them to value the van incorrectly and give me a small check while totalling the vehicle. A running Vanagon in decent shape is worth around $4,000; ones in really good condition are $10,000 plus. Non-running Vanagons with no rust still have value. I could see them deciding the value on an almost 30-year-old van using an algorithm that completely ignores reality, and me getting completely screwed.
What do I need to say or do when I talk with the other person's insurance adjuster? I've already filed the claim with their insurance. Their adjuster will be contacting me within 48 hours.
I'm in Fresno, California.