I have found a total of just over $4100 worth of receipts now. Yet The insurance company only offered me $2460 for my for my truck . I told them that was an insult ( was not very nice to them.) Later they upped their offer to $3400 Again I said no & told them they needed to fix my vehicle and get it back to me as soon as possible. If they did not like that option they could go buy me another vehicle in the same condition then buy a brand new motor with 3 year warranty fill it full of gas and put two years worth of tags on it and deliver it to my house! (the agent I was dealing with claims to own a good condition 87. I told him that should mean that he knows the value of my vehicle. And yes I have sent them all of the photos that I have taken of this vehicle since the first day I got it.)
They say its an old vehicle and has very little value. Yet, they claims there is over $9000 worth of damage to it. When I asked them how the hell they arrived at such a high number, the response was " its a old vehicle and the parts are rare & very hard to come by in good condition making them very expensive."
Doesn't that show the value of my vehicle? In my opinion they just shot themselves in the foot by saying my truck is old rare and very expensive. Still not a hundred percent sure how I go about fighting them on the value. But I'm trying.
I asked if I could inspect the vehicle to decide if I want to "buy it back" and they said no I cannot go in the yard it is at. They also said I cannot even go and get my personal belongings that are still in there now that they have made me an offer.
I still do not understand what the hell they're talking about with me having to "buy back" My own vehicle from them or not allowing me to get My stuff from My vehicle. The title is in my name and I have not signed over anything or agreed to any price with them what so ever!
I'm going to call them tomorrow and see if they are going to offer me any more for my vehicle. If they say no, I will demand that they tow my vehicle back to my house until we agree upon a value of my vehicle or they repair it! I don't care if they do not want to replace the aftermarket bumpers or even paint it the same color. All I want is them to fix it so it is safe to drive down the road, look decent & not have a salvage or reconstructed title. If they want to argue, I will threaten them, with getting a lawyer. (Then, I will call every single one in the book till I find one that is willing to help me!).
I pay a ton for max full coverage including lots of extras ( towing, theft, glass coverage, extra medical coverage, etc.) because I know the value of my vehicle and wanted myself & it to be covered just in case. I even explained the reasoning for me wanting all the extra coverage. So they knew ahead of time and were instructed to put notes in my file about the amount that I had spent on this vehicle so that it would be covered if something were ever to happen. And now my insurance rates are going to go way up because of this accident and then claiming it's my fault. I have a court date and am going to try to fight the ticket and if I get that part taken care of, then I will have more ammunition to use against them and their reasonings for upping my rates.