BZBZZZ down ... but not for the count!

[tom4bren]

I'll endeavor to perservere!!!

[Ldub]

I'll endeavor to persevere!!!

"It's not for eat'n...It's just for look'n through..." CDG-OJW

[tom4bren]

Is that another quote from 'Little Big Man'?

[tom4bren]

BTW - here's the repair estimate if you're curious.

[tom4bren]

Claim has been resubmitted to the assessment office for review. I'll know if they reverse their position on totalling it in 24-48 hours. I'll keep you posted.

[vt_maverick]

So no answer on the 75% thing? Or is that part of what you'll get back in 24-48 hours?

[tom4bren]

The guy I talked to in the total loss department said:

"That thing is sharp ... I've never seen anything like it ... why would they total that?"

He's including the pic I provided (where the VX is parked in the river & a bunch of school kids are in the background wearing yellow shirts) when he submits it for review. He said that was the best 'car pic' he's seen in a long time.

BTW, I just sent Richard an email to see if he'll provide me with an assessment like he did for you.

EDIT:

The guy I talked to also didn't know what the basis is that they use for determining if it's totalled.

[vt_maverick]

That's not too surprising, I know when the claims adjuster inspected my first VX and reported the needed repairs (most notably straightening the frame and replacing the air bags/dash) the case was reassigned to GEICO's total loss department. At that point my claims adjuster became more or less a liaison who just passed offers back and forth. When my second VX was involved in the accident in CO it never progressed to that point because the claims adjuster's repair estimate didn't trigger a total loss classification. That was a much different experience, the adjuster made decisions almost immediately and everything came together really fast. It took nearly 2 months to settle my total loss accident but only 3-4 weeks to settle my accident in CO, get the truck repaired, and then get it shipped to VA.

[tom4bren]

Well, USAA informed me that the re-assessment is complete. They are not changing their position. I formally rejected their offer and made a counter offer. I'll try calling them as soon as they open.

AAARRRGGGHHH!!!

[vt_maverick]

They REALLY need to explain their total loss criteria to you. Sometimes insurance companies will adopt one state's law as their "corporate policy" until you point out their error. My adjuster tried to tell me that it was GEICO's policy not to cover undeclared mods until I pointed out their own policy exception clause specific to the states of Virginia and North Carolina.

I serious ****ing hate insurance companies. What ***holes.

[tom4bren]

I serious ****ing hate insurance companies. What ***holes.

I couldn't agree more!!!

I just spent 45 minutes on the phone with them & basically it appears that they make a judgement call on whether to total or repair. There's no 75% standard that they use. They also indicated that they do not accept counter proposals in VA (which I submitted last night), only for MD residents because it's state law.

They basically suggested I take one or two next steps:

1. hire a licensed vehicle assessor in VA to provide a counter assessment (won't honor Richard's because he's not licensed in VA).

2. pay to have body shop tear down the VehiCross to verify that there's no additional damage other than what's listed in the estimate.

Notice the words 'hire' & 'pay'. As a victim, I've got to invest in the process to make myself whole!!!!

A manager is supposed to call me back. If I can't get any resolution, I'll have to go legal. It's the last thing that I want to do but now it's the principal of the situation. I'm just enough of an AH to refuse to be bullied by an insurance company .... justice will be done & BZBZZZ will roll again.

[Ldub]

If I can't get any resolution, I'll have to go POSTAL. It's the last thing that I want to do but now it's the principal of the situation. I'm just enough of an AH to refuse to be bullied by an insurance company .... justice will be done & BZBZZZ will roll again.

Fixded...

[tom4bren]

ROFL

I would never put evidence of that nature on the web!!!!

[Ldub]

Is that another quote from 'Little Big Man'?

Both quotes (yours & mine) were from The Outlaw Josey Wales...right guy (Chief Dan George), wrong movie...

[tom4bren]

GTK

I thought I was wrong once ... I see now that I was mistaken.