Several years ago the paint on my '68 Barracuda was damaged. I called
my
collector insurance company, and they sent a collectible vehicle
appraiser
out. He was quite knowledgeable, and quoted repainting the entire
side of
the car. The insurance company wrote a check and all was good. It
was a
very pleasant experience.
That paint job evolved into taking the entire car apart, a color
change,
fixing hidden rust, etc. and wound up costing 4x the quote to fix the
paint
damage, but that's a different story.
I don't run my older cars through a car wash. The late models get the
brushless treatment from time to time. My Barracuda gets washed using
the
water from the basement dehumidifier. Our well water will leave spots.
Rob McCall
'67 LeBaron (Might get fresh paint in the Spring)
'68 Barracuda
-----Original Message-----
From: mailing-list-owner@xxxxxxxxxxxxxxxx
[mailto:mailing-list-owner@xxxxxxxxxxxxxxxx] On Behalf Of roger
crabtree
Sent: Friday, December 10, 2004 5:40 PM
To: mailing-list@xxxxxxxxxxxxxxxx
Subject: Re: IML: American Clueless Insurance
Dear Clueless Insurance,
I hate to tell you this but these insurance companies
are far from clueless. Last year my 55 imperial
substained damage from a car wash (paint). I have yet
to date had satisfaction from them. The first thing
they did was hire a independent insurance appraiser to
look at my car. He sent them an appraisal of the
value of the car. He also sent them an appraisal of
the the repaint. I have been to 10 body shops in town
and they all want double the amount he appraised it
for. Then to top it off he said the paint was at 50%
of it's life and cut the award in half. So don't ever
think the insurance company is clueless. They played
the same game with me. The only money payed so far is
to the independent agent. I'm sure he is happy.
Myself, I am stuck with damage to my car and trying to
finagle a law suite that will cost as much the repair.
Montana is a state that the insurance companies have
by the throat. When you mention fairness and
insurance in the same sentence, it usually means that
someone has been hosed.
RC Billings, Montanaaaaaa
--- Eric <gearhead@xxxxxxxxxxx> wrote:
Rodger,
If you supply the insurance company with a recent
list of '63 LeBaron ads
going back a few months showing asking prices from
Hemmings, Auto Trader,
ebay, etc, this will help the insurance adjuster to
put a dollar figure on
the vehicle, otherwise Clueless is only going to
look at it as any other
vehicle that is no longer listed in their computer
program which is akin to
the Kelly Blue Book. Also, supplying copies of
repair and replacement parts
receipts will also show an invested amount you have
in the vehicle. These
things will show that there is a collector value in
the car and that it's
not a $500 '84 Chevrolet Citation type of total
write off. This is the
typical way a higher value is established with
insurance companies. They
will likely take a percentage of the average of the
asking prices you supply
and then if the damage is less than 80% (the usual
percentage of vehicle
value that they use to claim 'total loss') of that
value, they shouldn't
have reason to call it a total loss and will pay
something near the full
damage amount.
You would want to go out and get the standard '3
estimates' from quality
body shops for the repair. Having quotes for the
parts you need from the
various suppliers you can get bumpers/etc from will
help the body shops
figure a damage amount. Submit the estimate that
would be under the 80%
vehicle value average from the asking price averages
that you give to
Clueless. This will give the adjuster a base figure
to work with for the
amount you expect to be paid.
Clueless needs to have their hand held through this
process. The more foot
work you do, the faster they can close out the case
and move on to something
more in tune with Clueless's professional abilities
of looking up values in
a Blue Book (which they don't use, they have an
industry value computer
program that makes it even more simple for
Clueless), and ultimately their
coffee break.
Eric
Portland, Oregon
********************************************************
From: FltSgt@xxxxxxx
Date: Wed, 1 Dec 2004 23:37:50 EST
Subject: IML: '63 Le Baron vs American Family
Insurance
Reply-To: mailing-list@xxxxxxxxxxxxxxxx
Hola
On Monday morning the kid up the street who has been
one of the fastest
vehicles on the street failed to slow down after it
had snowed. Due to the
speed
he lost control of the '89 Jeep and from 55 paces
away he started a hard
slide
into our '63 Le Baron, backwards. When I asked what
happened ( duhhh ) he
stated that he was only going 10, maybe 15 mph. (
At such a slow speed
this was
able to knock the Le Baron over six feet backward
into the neighbors parked
'78 F150 long bed. The 'Le Baron-F 150 package then
went another foot
before
stopping. )
Yesterday ( 30 Nov '04 ) when the American Family
Insurance rep called it
was
in her second paragraph that she used the words of
"just total the car out".
When I told her that was not going to happen, she
then said they would send
out a person to "take a look at the damage".
Today this guy calls and didn't have a clue of what
it was that he was to
come and look at. But he did use the same " total
it out phrase". ( It must
be a
cheap way for the insurance company to get out of
paying for speedy up the
street. ) After some time clueless calls back and
wants to know which
engine
did I have in the car. " ... a 413, which was the
only engine for the car"
I
replied. Clueless then said, " ... and how many
cylinders does this engine
have
?" I started to laugh but since I was in the
mountains the cell phone went
dead.
After a couple of minutes clueless calls back and
wants to know why the door
panels are off. I had to let him know that I had
taken them off for restro
reasons. This time he wanted to know if there was a
place for parts for the
car. I told him about the Neb and Calif
connections. Then clueless asked
for
their numbers. He said that he would get back to me
when he found out the
value
of a '63 Le Baron.
I'm so glad that I went in the house and took
pictures while the skid marks
were fresh on the snow.
I told the local NAPA what had happened and they
called my Gla Blue Le Baron
"...a cream puff". I liked that. They also said
they would gladly print
out
every item that I have purchased whenever I thought
the car needed that
part.
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=====
RC Billings, Montanaaaaaa
http://www.imperialclub.com/temp/1955/RogerCrabtree/
Find local movie times and trailers on Yahoo! Movies.
http://au.movies.yahoo.com
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