How do I get a fair settlement for my totaled car in Pennsylvania? The insurance adjuster insists that I am not owed the replacement value of my car and refuses to budge.
My neighbor hit a patch of black ice a few weeks ago and struck my unoccupied, parked 1996 Mazda Protege. A few days ago the insurance adjuster (Traveler's insurance) came back with a settlement of about $3300 based on the NADA book value.
I looked around and the Kelley Blue Book value for my car starts at about $3500 and goes up to $4300, with my low mileage car (~49,000 miles) in the upper range. Even cars with twice the miles are retailing at $4000. I've been collecting sales ads for replacement cars due to the good advice in this thread
The adjuster refuses to budge and insists that I am only owed the NADA value of my car and nothing more in the State of Pennsylvania, even if a replacement vehicle would cost much more. They won't even consider retail prices for equivalent vehicles and were very short with me when I brought up the option.
My insurance (Geico) has been absolutely no help and has left me to take care of this on my own. I'm considering retaining legal counsel, but I don't know how to sort through all of the ambulance chasers. I'm not even sure if it will be worth it for less than $1000 difference.
I've contacted the state insurance bureau, but it will take them a few days to answer my question.
So, how does this work for Pennsylvania? Am I not entitled to the cost of a replacement car? Is the insurance adjuster even telling me the truth about PA law? They're taking the rental car back on Friday so I'd like to have a course of action planned by then.