How do you negotiate with insurance companies after an accident?
July 5, 2008 2:31 PM Subscribe
How do we navigate auto insurance negotiation post accident? My partner was involved in a major auto accident this past week. We're now trying to figure out all the insurance craziness.
posted by FlamingBore to Travel & Transportation (4 answers total) 1 user marked this as a favorite
Looks like all the other AskMeFi questions are dealing with someone else's insurance company and we're only dealing with hers. Any help you can offer is greatly appreciated.
On Monday she was driven off the road on I-91 near Holyoke MA. The other driver did not stop and no one has come forward with his/her license plate details, etc. There were witnesses and the police report indicates she was not at fault. She is lucky to be alive and is thanking her lucky stars that her 15 year old Audi took the bullet for her.
The car is totaled (we're pretty sure, as are all parties who have seen it thus far) and we're just waiting to hear from the insurance company. How can she best navigate this situation to get the most from her insurance company to replace the car?
The car was a 93 Audi 90s with about 108k miles on it. She was paying for full coverage. She maintained it well and had recently put in about $1600 worth of work into it.
We've been told that she can negotiate with the insurance company. We've also been told that they are likely to offer her considerably less than the NADA book value, but she should push back on them saying that's the guide to go by.
Is there an insurance adjuster in the house? Any tips, suggestions or insider information to make this as non-excruciating as possible?