Car went up in flames tonight.
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Joined: Nov 2012
Posts: 504
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From: mocksville nc
Wayne:
That isn't a "low ball". It is an entirely correct application of the policy.
A "low ball" would be a cheap and inadequate amount to fix the properly covered damages.
Let's say the electric power seat shorted. No fire resulted. No cover for the electrical failure, and no damage by fire to consider!!
It isn't a maintenance policy or electrical mechanical warranty. those are available and are not insurance.
I have qualms as to those.
Way back when, a GI 2/12 hit my poor MG TD. Insurance fixed it, minus a busted spark plug!! That less than informed adjuster deemed that plug an electrical failure??? At the time, I was not in claims and lacked the knowledge to challenge him. And, it wasn't worth the effort anyway. And, the army claim commission declinned my claim against it because the German employee in a GI 2 1/2 drove out of a lot and hit me in a roadway! Even on a Second Lieutenant's pay, I covered the spark plug and deductible and didn't have the time or inclination to challenge.
Carl
That isn't a "low ball". It is an entirely correct application of the policy.
A "low ball" would be a cheap and inadequate amount to fix the properly covered damages.
Let's say the electric power seat shorted. No fire resulted. No cover for the electrical failure, and no damage by fire to consider!!
It isn't a maintenance policy or electrical mechanical warranty. those are available and are not insurance.
I have qualms as to those.
Way back when, a GI 2/12 hit my poor MG TD. Insurance fixed it, minus a busted spark plug!! That less than informed adjuster deemed that plug an electrical failure??? At the time, I was not in claims and lacked the knowledge to challenge him. And, it wasn't worth the effort anyway. And, the army claim commission declinned my claim against it because the German employee in a GI 2 1/2 drove out of a lot and hit me in a roadway! Even on a Second Lieutenant's pay, I covered the spark plug and deductible and didn't have the time or inclination to challenge.
Carl
I know of instances of adjusters paying 100% for roof replacements on houses that were way beyond useful life of shingles and should have been replaced by homeowner years prior to storm, try that with paint problems on a car when damaged and its all you can do to get them to pay a decent price to blend paint let alone paint allover. If adjusters were half as generous in paying for vehicle claims as they are paying for house damages you would'nt have so many shops sueing the insurance co.
I by no means believe in gouging when Insurance is involved but I also don't believe in price shifting when assessing damage either.
I have a vehicle that when I asked for blend time on a fender and door I was told our company does not pay to blend adjacent panels when replacing bumper cover because most bumpers don't match adjacent panels when new, this vehicle did however and the only way I could get payed was for the adjuster to add couple hours to repair hood damage which was judgement call on estimate.Then I had to argue with him for the extra 2 hours finish material which he did'nt want to give because those 2 hours weren't computed with the finish time. Thats a pi$$ poor way to do business period.
Let every job stand on its own merits. If you have shops committing fraud and you can prove it prosecute them and pay the decent shops a decent price and everybody is happy.
Actually extended warranties are insurance policies of a sort and I have a problem with them also.
Last edited by swayne; Dec 23, 2014 at 02:21 PM.
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Orange blossom:
I retired from insurance claims after a fifty year career. auto claims were never my favorite, but, I had to do some.
A lot of things come to play in the points you and others make .
1. Two policies may apply. So, which is primary, the owner's or the driver's? By some inter company agreements, it is the one that describes the policy, ie, the owner's.
2. Now, suppose the owner's policy does not cover the car and the driver's policy does include material damage and "drive other cars" cover. Then, indeed, the driver's policy applies.
3. Neither policy insures material damage. Now, we go to the common laws of bailment and negligence tort law!! I'll stop here as that is along tale.
Carl
I retired from insurance claims after a fifty year career. auto claims were never my favorite, but, I had to do some.
A lot of things come to play in the points you and others make .
1. Two policies may apply. So, which is primary, the owner's or the driver's? By some inter company agreements, it is the one that describes the policy, ie, the owner's.
2. Now, suppose the owner's policy does not cover the car and the driver's policy does include material damage and "drive other cars" cover. Then, indeed, the driver's policy applies.
3. Neither policy insures material damage. Now, we go to the common laws of bailment and negligence tort law!! I'll stop here as that is along tale.
Carl
I hear what you are saying and some of those Claims must be a nightmare to sort out.
But after my own experience, when it came to selling one of my XJS's I made it quite clear to the buyer, that he could Test Drive my XJS with me in the Passenger Seat.
Providing that he handed me my asking price in Cash before we drove off.
Then providing my Car wasn't damaged in anyway whatsoever howeverso Caused, then I would hand him all his money back, at which point he could either walk away without buying my Car.
Or else make a near offer which I may or may not accept.
Though if my Car got damaged, then I keep hold of the money as he would be then obliged to buy it at full price, rather than leave me with a possible write off and a Claim on my Insurance to sort out.
In retrospect it pays to buy an XJS that you would want to keep, or else have a dealer sell it on Commission, whereby you can then avoid much of the associated hassle.
As a footnote my Own Policy on my XJS precludes me from driving any other Car, regardless of whether I happen to own it or not.
Whereas the Insurance from another Company who Insure my Merc, allow me to drive any other Car, on 'Third Party Only' but only Providing the Owner also has Insurance on that Car.
Can it ever get more Complicated? I dare say it can.
In a hypothetical situation
If I let someone drive a Car that belongs to me and that Person that I let drive my Car, Had an AT FAULT ACCIDENT, would any resulting Claim from that be on MY INSURANCE POLICY or the POLICY OF THE PERSON who I let drive my Car?
Last edited by orangeblossom; Dec 23, 2014 at 06:00 PM.
Senior Member
Joined: Nov 2012
Posts: 504
Likes: 190
From: mocksville nc
Hi Carl
I hear what you are saying and some of those Claims must be a nightmare to sort out.
But after my own experience, when it came to selling one of my XJS's I made it quite clear to the buyer, that he could Test Drive my XJS with me in the Passenger Seat.
Providing that he handed me my asking price in Cash before we drove off.
Then providing my Car wasn't damaged in anyway whatsoever howeverso Caused, then I would hand him all his money back, at which point he could either walk away without buying my Car.
Or else make a near offer which I may or may not accept.
Though if my Car got damaged, then I keep hold of the money as he would be then obliged to buy it at full price, rather than leave me with a possible write off and a Claim on my Insurance to sort out.
In retrospect it pays to buy an XJS that you would want to keep, or else have a dealer sell it on Commission, whereby you can then avoid much of the associated hassle.
As a footnote my Own Policy on my XJS precludes me from driving any other Car, regardless of whether I happen to own it or not.
Whereas the Insurance from another Company who Insure my Merc, allow me to drive any other Car, on 'Third Party Only' but only Providing the Owner also has Insurance on that Car.
Can it ever get more Complicated? I dare say it can.
In a hypothetical situation
If I let someone drive a Car that belongs to me and that Person that I let drive my Car, Had an AT FAULT ACCIDENT, would any resulting Claim from that be on MY INSURANCE POLICY or the POLICY OF THE PERSON who I let drive my Car?
I hear what you are saying and some of those Claims must be a nightmare to sort out.
But after my own experience, when it came to selling one of my XJS's I made it quite clear to the buyer, that he could Test Drive my XJS with me in the Passenger Seat.
Providing that he handed me my asking price in Cash before we drove off.
Then providing my Car wasn't damaged in anyway whatsoever howeverso Caused, then I would hand him all his money back, at which point he could either walk away without buying my Car.
Or else make a near offer which I may or may not accept.
Though if my Car got damaged, then I keep hold of the money as he would be then obliged to buy it at full price, rather than leave me with a possible write off and a Claim on my Insurance to sort out.
In retrospect it pays to buy an XJS that you would want to keep, or else have a dealer sell it on Commission, whereby you can then avoid much of the associated hassle.
As a footnote my Own Policy on my XJS precludes me from driving any other Car, regardless of whether I happen to own it or not.
Whereas the Insurance from another Company who Insure my Merc, allow me to drive any other Car, on 'Third Party Only' but only Providing the Owner also has Insurance on that Car.
Can it ever get more Complicated? I dare say it can.
In a hypothetical situation
If I let someone drive a Car that belongs to me and that Person that I let drive my Car, Had an AT FAULT ACCIDENT, would any resulting Claim from that be on MY INSURANCE POLICY or the POLICY OF THE PERSON who I let drive my Car?
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Joined: Jul 2012
Posts: 6,796
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From: Walnut Creek, California
Wow, a lot of ground to cover. I could never do it adequately here.
1. The term is subrogate, not subjugate. Both come from the latin, but have entirely different meanings.
2. Property insurance, such as HO, etc are entirely different from auto insurance. In the cited case, the adjuster probably properly applied the available "replacement cost" insurance. Known in the trade as "new for old". works Ok a lot of the time, but on occasion, not so much like the example here. An old shingle roof may have not only a zero value, but actually a negative value. The cost to remove it is a negative!!
3. Car paint has always been an enigma. The average car paint has faded. so, repainting a panel with the original formula will not match!!! The "smart" collision shop will merely extend the new paint beyond the damage, usually a panel away. That way, the customer sees the blend as pretty durn good. And, actually overall, the car does look quite good. Not as obvious that one side is better looking than the other. And, those shops will polish and detail the entire car. Result, it looks better than ever, even if somewhat imperfect!!
And, some paint blenders are skilled enough to patch paint to match a slight fade built in.
Generally, used parts work out quite well if they are quality parts.
Yeah, a few decades ago, my unfortunate 88 Tbird was T boned. Passenger side, so I was fine. Had to drive home in the midst of summer sans a passenger door glass!! Hot as h... A very skilled repair shop did a marvelous job. Used a used door, of the same color. So, the paint match was great. My maroon finish was in top shape anyway. The car was nicely detailed and looked pristine when I picked it up. But,yeah, it took a few sessions with the vac to get all the glass bits out!!
Just read of a local collision shop. They had a Xmas party with folks down on their luck as guests. And a drawing!! Insurance companies donated about 5 late mode;l total loss cars. The shop fixed them to as good as new standards. Raffled off in a drawing. wow, the looks on the faces of the winners. priceless.
Yup, auto was never my favorite. Many folks just too picky and illogical.
Oh, a major auto carrier, is now doing "new for old" in a somewhat limited sense,. but making hay on TV about it.
Yeah, a few war stories, but that is for another day, mebbe.
lesson: Read the policy!!!
Carl
1. The term is subrogate, not subjugate. Both come from the latin, but have entirely different meanings.
2. Property insurance, such as HO, etc are entirely different from auto insurance. In the cited case, the adjuster probably properly applied the available "replacement cost" insurance. Known in the trade as "new for old". works Ok a lot of the time, but on occasion, not so much like the example here. An old shingle roof may have not only a zero value, but actually a negative value. The cost to remove it is a negative!!
3. Car paint has always been an enigma. The average car paint has faded. so, repainting a panel with the original formula will not match!!! The "smart" collision shop will merely extend the new paint beyond the damage, usually a panel away. That way, the customer sees the blend as pretty durn good. And, actually overall, the car does look quite good. Not as obvious that one side is better looking than the other. And, those shops will polish and detail the entire car. Result, it looks better than ever, even if somewhat imperfect!!
And, some paint blenders are skilled enough to patch paint to match a slight fade built in.
Generally, used parts work out quite well if they are quality parts.
Yeah, a few decades ago, my unfortunate 88 Tbird was T boned. Passenger side, so I was fine. Had to drive home in the midst of summer sans a passenger door glass!! Hot as h... A very skilled repair shop did a marvelous job. Used a used door, of the same color. So, the paint match was great. My maroon finish was in top shape anyway. The car was nicely detailed and looked pristine when I picked it up. But,yeah, it took a few sessions with the vac to get all the glass bits out!!
Just read of a local collision shop. They had a Xmas party with folks down on their luck as guests. And a drawing!! Insurance companies donated about 5 late mode;l total loss cars. The shop fixed them to as good as new standards. Raffled off in a drawing. wow, the looks on the faces of the winners. priceless.
Yup, auto was never my favorite. Many folks just too picky and illogical.
Oh, a major auto carrier, is now doing "new for old" in a somewhat limited sense,. but making hay on TV about it.
Yeah, a few war stories, but that is for another day, mebbe.
lesson: Read the policy!!!
Carl
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Joined: Feb 2011
Posts: 9,733
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From: on-the-edge
All well and fine unless the adjuster will not use a reasonable interpretation,
or completely ignores a provision.
I have had an adjuster and a supervisor flat out refuse to payout in the manner
required under insurance law. Even when chapter and verse was cited to them.
Furthermore, they wanted to cut down the price submitted by the shop they
selected themselves by half.
A letter to the regional vice president fixed that once it was pointed out that
the next step would be a referral of the matter to the insurance commission
on the matter of violating the mandated payout provisions.
I took the time to point out to him that the reason he was calling while
packing for a trip to head office two days before Christmas was due
solely to his employees refusing to do their job properly. It sounded
like they were going to be 'counseled' upon his return.
Know your policy, know the law, and know how to complain.
++
or completely ignores a provision.
I have had an adjuster and a supervisor flat out refuse to payout in the manner
required under insurance law. Even when chapter and verse was cited to them.
Furthermore, they wanted to cut down the price submitted by the shop they
selected themselves by half.
A letter to the regional vice president fixed that once it was pointed out that
the next step would be a referral of the matter to the insurance commission
on the matter of violating the mandated payout provisions.
I took the time to point out to him that the reason he was calling while
packing for a trip to head office two days before Christmas was due
solely to his employees refusing to do their job properly. It sounded
like they were going to be 'counseled' upon his return.
Know your policy, know the law, and know how to complain.
++
Last edited by plums; Dec 24, 2014 at 11:11 AM.
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Joined: Jul 2012
Posts: 6,796
Likes: 2,403
From: Walnut Creek, California
Plum:
Yup.
Similar tales among the war stories.
Many insurors are slack on training that would avoid a lot of that stuff. My ast employers were pretty good on that. when I became an independent, our association did a lot of training.
Yeah, it never made any sense to me for inurors to have preferred shops. and, some present carriers profess to guarantee the work.
My first employer did a lot of personal auto cover. The office had two staff appraisers.
Both very experienced in collision repair. Both learned in the trade. Insureds would select the shop. The appraiser would than prepare the estimate in conjunction with the shop. "pay what you owe, but no more' was the watchword. the appraisers were skilled and respected and at times the shops relied on them for repair technique as well as pricing. As, when to replace a panel rather than bang it out.
It does little good for an appraiser to write a sheet that no shop would accept!
Most policies have a condition, "other insurance". Important when two policies might apply. Which is primary and which is excess?
As, some policies extend cover for rented cars. Imp[ortant as the extra charge by the rental company can be a bit. if one has this cover, one need not buy the "extra".
Warranty and insurance are different animals.
Merry Christmas
Carl
Yup.
Similar tales among the war stories.
Many insurors are slack on training that would avoid a lot of that stuff. My ast employers were pretty good on that. when I became an independent, our association did a lot of training.
Yeah, it never made any sense to me for inurors to have preferred shops. and, some present carriers profess to guarantee the work.
My first employer did a lot of personal auto cover. The office had two staff appraisers.
Both very experienced in collision repair. Both learned in the trade. Insureds would select the shop. The appraiser would than prepare the estimate in conjunction with the shop. "pay what you owe, but no more' was the watchword. the appraisers were skilled and respected and at times the shops relied on them for repair technique as well as pricing. As, when to replace a panel rather than bang it out.
It does little good for an appraiser to write a sheet that no shop would accept!
Most policies have a condition, "other insurance". Important when two policies might apply. Which is primary and which is excess?
As, some policies extend cover for rented cars. Imp[ortant as the extra charge by the rental company can be a bit. if one has this cover, one need not buy the "extra".
Warranty and insurance are different animals.
Merry Christmas
Carl
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Joined: Feb 2013
Posts: 17,809
Likes: 3,945
The Perils of letting a 'mate' have a drive of your XJS
Hi Carl (Jag Cad)
Thank you for all your responses in taking the trouble to explain about a Subject that can make your head spin!
But there is no doubt if you happen to own a Classic like an XJS, then everyone you know will turn a shade of 'British Racing Green' with envy.
As they are probably one of those very few Cars, where no one on this Forum would consider that you were out of your mind in buying more than one.
And if I had a pound for every 'mate' who's asked if they could take her for a little drive down the Road, then I would almost certainly, have enough to buy another one.
The only problem being that when I say NO! they think I'm being mean.
Though what I can't get through to them is that in most cases, 'Their' Insurance only Covers them 'Third Party' if they are driving someone elses Car.
So in the event they had a 'Prang' which tends to happen when you least expect it, then how do you think they are going to feel when you then hold your hand out and say 'Ahem' my Cars a write of and you owe me £20,000
Or whatever you decide that your XJS must be worth!
As the way I see it, I would find myself under 'no obligation at all' to get my own Insurance Company Involved.
In the event that I wasn't the one, who was driving my Car, as in the Case of an XJS, the cost of having it repaired doesn't even bear thinking about, not to mention the effect it might have on my own NCB.
Although I suppose there is some defence, in as much as if you give a third party Permission to drive your Car, then you may have demonstrated that you were willing to take that risk.
So the simple answer seems to be that if you want to drive one, then buy one of your own.
Any thoughts on that 'guys?' do you let other people drive your Car?
(excluding your nearest and dearest) or maybe not!
Thank you for all your responses in taking the trouble to explain about a Subject that can make your head spin!
But there is no doubt if you happen to own a Classic like an XJS, then everyone you know will turn a shade of 'British Racing Green' with envy.
As they are probably one of those very few Cars, where no one on this Forum would consider that you were out of your mind in buying more than one.
And if I had a pound for every 'mate' who's asked if they could take her for a little drive down the Road, then I would almost certainly, have enough to buy another one.
The only problem being that when I say NO! they think I'm being mean.
Though what I can't get through to them is that in most cases, 'Their' Insurance only Covers them 'Third Party' if they are driving someone elses Car.
So in the event they had a 'Prang' which tends to happen when you least expect it, then how do you think they are going to feel when you then hold your hand out and say 'Ahem' my Cars a write of and you owe me £20,000
Or whatever you decide that your XJS must be worth!
As the way I see it, I would find myself under 'no obligation at all' to get my own Insurance Company Involved.
In the event that I wasn't the one, who was driving my Car, as in the Case of an XJS, the cost of having it repaired doesn't even bear thinking about, not to mention the effect it might have on my own NCB.
Although I suppose there is some defence, in as much as if you give a third party Permission to drive your Car, then you may have demonstrated that you were willing to take that risk.
So the simple answer seems to be that if you want to drive one, then buy one of your own.
Any thoughts on that 'guys?' do you let other people drive your Car?
(excluding your nearest and dearest) or maybe not!
Veteran Member
Joined: Jul 2012
Posts: 6,796
Likes: 2,403
From: Walnut Creek, California
Tis a head spinning thing, f one really delves into it. Even for the professionals.
No, my XJ wuzza six isn't a classic, but probably in the "special Interest" category.
Would I let anyone drive it, nope. even a friend, cause any calamity and not only lose a car, but a friend. I did let my son drive it once or twice. But, at one time, he drove semi's and raced for a few years. I know he knows what he is doing. But, suppose another much less skilled driver hit it!!!
However, my daughter has been driving my old Jeep. Not a classic or even special interest, merely a sound old car. Well, her driving skills are probably just fair.
So far so good, I may get it back today later, she comes over to do XMAS dinner.
I think her VW is behaving again, after I fixed a water leak,.
Well, I only buy liability insurance for my cars. Just too old to have strong ACV. Not worth it.
But, would I ask another to let me drive any thing other than an ordinary car. Nope.
And, even the ordinary under unordinary circumstances.
If I had chosen to buy collision and comprehensive most policies would extend that when I drove another car as excess cover. The other owner's insurance, if any would be primary. Now, as to the liability coverage. Most, if not all have definitions. The insured is defined amongst other things as permissive user. I loan my car, that fellow/gal is an insured, and my policy is primary.
In common law which we inherited from your country, there is the concept of bailment. If I loan my car to another, I am the bailor. The other person is the bailee.
By operation of law that bailee is compelled to return the bailed property in the condition received less fair wear and tear. Some finer points involved. As an unexpected mechanical failure due rto the fault of no one.
But, thanks for the challenge to my grey matter. I am definitely in the area of
"use it or lose it".
I was over to my son's place. We had some of these grey matter challenges, albeit not insurance policy language. Somewhat to the displeasure of his SO, but she handled it well.
Merry Christmas to all.
Carl
No, my XJ wuzza six isn't a classic, but probably in the "special Interest" category.
Would I let anyone drive it, nope. even a friend, cause any calamity and not only lose a car, but a friend. I did let my son drive it once or twice. But, at one time, he drove semi's and raced for a few years. I know he knows what he is doing. But, suppose another much less skilled driver hit it!!!
However, my daughter has been driving my old Jeep. Not a classic or even special interest, merely a sound old car. Well, her driving skills are probably just fair.
So far so good, I may get it back today later, she comes over to do XMAS dinner.
I think her VW is behaving again, after I fixed a water leak,.
Well, I only buy liability insurance for my cars. Just too old to have strong ACV. Not worth it.
But, would I ask another to let me drive any thing other than an ordinary car. Nope.
And, even the ordinary under unordinary circumstances.
If I had chosen to buy collision and comprehensive most policies would extend that when I drove another car as excess cover. The other owner's insurance, if any would be primary. Now, as to the liability coverage. Most, if not all have definitions. The insured is defined amongst other things as permissive user. I loan my car, that fellow/gal is an insured, and my policy is primary.
In common law which we inherited from your country, there is the concept of bailment. If I loan my car to another, I am the bailor. The other person is the bailee.
By operation of law that bailee is compelled to return the bailed property in the condition received less fair wear and tear. Some finer points involved. As an unexpected mechanical failure due rto the fault of no one.
But, thanks for the challenge to my grey matter. I am definitely in the area of
"use it or lose it".
I was over to my son's place. We had some of these grey matter challenges, albeit not insurance policy language. Somewhat to the displeasure of his SO, but she handled it well.
Merry Christmas to all.
Carl
Thread Starter
|
Member
Joined: Dec 2014
Posts: 34
Likes: 4
From: Kentucky
Not so happy ending. Got the estimate for the car in the mail. $2500 was the estimate which didn't include several items that need replacing. Allowed 1 hour to mechanical repairs.
I guess I will have it towed to Jaguar dealership and get an estimate from them. I am sure it will be quite different from the adjusters estimate. As per my insurance I have the right to choose where I want the repairs done. If it's not totaled out and needs repairs I would assume the dealer is the best place to get repairs done.
Thoughts?
I guess I will have it towed to Jaguar dealership and get an estimate from them. I am sure it will be quite different from the adjusters estimate. As per my insurance I have the right to choose where I want the repairs done. If it's not totaled out and needs repairs I would assume the dealer is the best place to get repairs done.
Thoughts?
Senior Member
Joined: Jul 2013
Posts: 574
Likes: 129
From: Upstate New York
Chiro05,
I am sorry that you are not happy with the amount your insurance company offered you. It sounds like one hour for repairs is an insult. It never amazes me how insurance companies many times tries not paying a fair amount for a claim. You should try to fight this!
Good luck,
Jomo
I am sorry that you are not happy with the amount your insurance company offered you. It sounds like one hour for repairs is an insult. It never amazes me how insurance companies many times tries not paying a fair amount for a claim. You should try to fight this!
Good luck,
Jomo
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Joined: Jul 2012
Posts: 6,796
Likes: 2,403
From: Walnut Creek, California
Chiro:
1. Were you present when the appraiser/adjuster made the inspection? that would've been a great time to point out the damaged areas.
2. You could call and/or write (email) seems to be the deal nowadays and ask for a supplement by pointing out the short comings.
3. You could arrange for the adjuster/adjuster to reinspect in conjunction with the shop estimator.
4. Does the Jaguar dealer have an in house collision repair shop? they may just sub that out, as many dealers do. If so, not a good plan. Too many chefs in the kitchen!!
5. What mechanical does the one hour represent, It should be specific. The entire estimate should be very detailed. Parts, labor time, rate. Paint, material, time. upholstery, material, time, etc. electric, in detail. and in some cases, overhead and profit. Oh, and environmental disposal of waste.
6. Failing to reach agreement, check your policy. Most, if not all set out an "appraisal"
method. Actually, it is more an arbitration. You select an "expert", the company selects one. those two select a third. then the three work out an agreed scope of damages and pricing. Seldom seen n auto, but not that unusual in property losses of buildings.
7. The state insurance commission can be of assistance. Results vary widely. Strong and competent, too nil. many are more interested in fining carriers for rule infractions than assisting the consumer.
8. If I saw the sheet, I might comment on it's value. although I've been away from auto stuff for a very long time.
9. Step up the pressure. Cool, calm and collected, but with evidence and persistence.
Carl
Carl
1. Were you present when the appraiser/adjuster made the inspection? that would've been a great time to point out the damaged areas.
2. You could call and/or write (email) seems to be the deal nowadays and ask for a supplement by pointing out the short comings.
3. You could arrange for the adjuster/adjuster to reinspect in conjunction with the shop estimator.
4. Does the Jaguar dealer have an in house collision repair shop? they may just sub that out, as many dealers do. If so, not a good plan. Too many chefs in the kitchen!!
5. What mechanical does the one hour represent, It should be specific. The entire estimate should be very detailed. Parts, labor time, rate. Paint, material, time. upholstery, material, time, etc. electric, in detail. and in some cases, overhead and profit. Oh, and environmental disposal of waste.
6. Failing to reach agreement, check your policy. Most, if not all set out an "appraisal"
method. Actually, it is more an arbitration. You select an "expert", the company selects one. those two select a third. then the three work out an agreed scope of damages and pricing. Seldom seen n auto, but not that unusual in property losses of buildings.
7. The state insurance commission can be of assistance. Results vary widely. Strong and competent, too nil. many are more interested in fining carriers for rule infractions than assisting the consumer.
8. If I saw the sheet, I might comment on it's value. although I've been away from auto stuff for a very long time.
9. Step up the pressure. Cool, calm and collected, but with evidence and persistence.
Carl
Carl
Thread Starter
|
Member
Joined: Dec 2014
Posts: 34
Likes: 4
From: Kentucky
Chiro:
1. Were you present when the appraiser/adjuster made the inspection? that would've been a great time to point out the damaged areas.
2. You could call and/or write (email) seems to be the deal nowadays and ask for a supplement by pointing out the short comings.
3. You could arrange for the adjuster/adjuster to reinspect in conjunction with the shop estimator.
4. Does the Jaguar dealer have an in house collision repair shop? they may just sub that out, as many dealers do. If so, not a good plan. Too many chefs in the kitchen!!
5. What mechanical does the one hour represent, It should be specific. The entire estimate should be very detailed. Parts, labor time, rate. Paint, material, time. upholstery, material, time, etc. electric, in detail. and in some cases, overhead and profit. Oh, and environmental disposal of waste.
6. Failing to reach agreement, check your policy. Most, if not all set out an "appraisal"
method. Actually, it is more an arbitration. You select an "expert", the company selects one. those two select a third. then the three work out an agreed scope of damages and pricing. Seldom seen n auto, but not that unusual in property losses of buildings.
7. The state insurance commission can be of assistance. Results vary widely. Strong and competent, too nil. many are more interested in fining carriers for rule infractions than assisting the consumer.
8. If I saw the sheet, I might comment on it's value. although I've been away from auto stuff for a very long time.
9. Step up the pressure. Cool, calm and collected, but with evidence and persistence.
Carl
Carl
1. Were you present when the appraiser/adjuster made the inspection? that would've been a great time to point out the damaged areas.
2. You could call and/or write (email) seems to be the deal nowadays and ask for a supplement by pointing out the short comings.
3. You could arrange for the adjuster/adjuster to reinspect in conjunction with the shop estimator.
4. Does the Jaguar dealer have an in house collision repair shop? they may just sub that out, as many dealers do. If so, not a good plan. Too many chefs in the kitchen!!
5. What mechanical does the one hour represent, It should be specific. The entire estimate should be very detailed. Parts, labor time, rate. Paint, material, time. upholstery, material, time, etc. electric, in detail. and in some cases, overhead and profit. Oh, and environmental disposal of waste.
6. Failing to reach agreement, check your policy. Most, if not all set out an "appraisal"
method. Actually, it is more an arbitration. You select an "expert", the company selects one. those two select a third. then the three work out an agreed scope of damages and pricing. Seldom seen n auto, but not that unusual in property losses of buildings.
7. The state insurance commission can be of assistance. Results vary widely. Strong and competent, too nil. many are more interested in fining carriers for rule infractions than assisting the consumer.
8. If I saw the sheet, I might comment on it's value. although I've been away from auto stuff for a very long time.
9. Step up the pressure. Cool, calm and collected, but with evidence and persistence.
Carl
Carl
2. I have been in contact with agent. She assures me they will make it right.
3. I most certainly will have adjuster back out to inspect the car with me there.
4. We have two dealers to pick from, both are over 1 hr away. I will call them first to see if they outsource. If so we have a Prices collision center about 3min away that are "Jaguar" certified repair center.
5. His estimate wasn't detailed at all. Just says 1 hr mechanical. The wiring in that side of the trunk is melted/damaged. No where is it allowed to replace wiring except that 1 hr.
6. Agent is the one that recommended taking it to Jaguar dealer.
7. I hope I don't have to go that far, but I will if needed.
8. I will try to get better pictures and post and also post pics of the estimate papers.
Thanks for the ideas/responses.
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Joined: Dec 2014
Posts: 34
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From: Kentucky
All is well that ends well. Car was totaled out and I am very pleased with the check. Bought the car back and Sold it to the guy that wanted to buy it when it caught fire. He plans to restore it.
Case closed and Time to move on. Thanks for the help and advice
Case closed and Time to move on. Thanks for the help and advice
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