VX Accident!

[TDAWG]

Thanks everybody for your wishes. Well got a copy of the police report today and guess what. He was sited for not having his insurance card in the vehicle. Called the adjuster and left a message. It seems that the operator says they are open from 9am to 5pm but the adjuster's answering machine says 9:15am to 4:45pm. That means shes only there for 7hrs? I guess she doesn't take a lunch break? My wife "Ana" was talking to my daugther "Felicia" about the accident and felicia told ana that she was looking at my speedo and I was going 20 when the guy came flying out the side street. Ana asked her why was she looking at the speedometer and Felicia said she always looks at it cuz she thinks it cool that it has little squares. funny how alittle girl thinks something like that is cool. Well the hunt begins. Even if the insurance decides to get it fixed I now have the perfect excuse to get another VX. 1 for all show and the other as a daily driver. Ana has decided to get rid of her Millenia for something alittle bigger and safer. Ana has even told me she would like to take some suv saftey classes and a off-road course. She never stop amazing me. God I'm lucky to find a woman is willing to try things I love to do.

[TDAWG]

Will it's offical. As of today the insurance company told my wife it's totaled. They are only willing to give me $9,000.00 for it. I am PISSED
cuased the adjuster never took into acount what I've done to my VX. Interior, audio/video, some minor performance mods. So I will be taking out everything I put in. I've been calling them to know whats going on 1st hand but no calls yet. I called my lawyer to have him find out whats going on but he told me he's waiting 2. I can't get over that my VX is a 99 with only 28,582 for miles and all they're willing to give is $9. I don't see how they figured that but but it aint happening. If they aint willing to pay for the mods then I'll strip it and they can have it.

[Raque Thomas]

Tony,
I'd strip the add-ons anyway if they are going to total it - insurance companies will give you absolutely nothing for add-ons in most cases. Just don't tell them about it and put the original parts back on. As far as their offer - I'd tell them you want more & get some ammo to back up your contention that the vehicle is worth more. They are going by a used car guide which, in many cases can be WAY off base. The fact that your car had extremely low miles makes the book even further off. Anyway - gather your ammo - go to as many resources as you can find with similar VX's with low miles (this site, autotrader.com, carmax web site, etc) and print out the descriptions and prices, then get ready to fight!! Good Luck!

[billh23]

Think of this as buying a used car only in reverse. Seriously, you should counter-offer them, because not only will they budge, but they are expecting a counter-offer. If they say $9K tell them you absolutely need $12K and maybe they will meet you in the middle at 10.5K. I did this with a pickup I totalled, and although I didnt get a lot more then they were offering, I did get enough to pay the truck off and keep a few hundred bucks afterwards.

[TDAWG]

thanks alot everyone. Well they called me back and told that they had someone down the block coming to pick it up and noticed me changing the rims. They said that the offer they gave me was for the truck as is with nothing being removed. I told them that I was putting the factory wheels that my vx came with. They also told me that the tow truck driver did a quick inspection of the vehicle and noticed it had a audio/video sysytem and that the price they qouted also included that so if I wanted anything out of my vx they would deduct it from the price. I laughed and said ok are you sure that's what you wanna do? She said yes as is or deductions will be made. I gave her my lawyers number and told her that her talking to me is over for her to deal with my lawyer. Now it all about sit and wait. Oh if I wanted to buy my VX back it will be $10,225. Yeah right, ok no problem you I give it to her in large or small bills. I have alot of monopoly cash stashed in my closet collecting dust. The adjuster never looked inside from what my wife told me.He told her not to worry he'll give them a detailed report. the saga continues.

[SPAZZ]

they have been smoking crack with BLING BLING off of Bumb Fights!!! Tell them your buy back price will be half of what they are telling you($10,225.)
Tell them to bust out their crack pipe and smoke their teethe.

[Raque Thomas]

It's been awhile - but I think the buyback price I got on a totalled vehicle was like 10% of what they gave me for it - certainly not the entire amount they give you - Spazz is right, they're on crack!!

[thebear54]

Typical Insurance swindle Tony.
All they care about is their bottom line...the less they have to spend (and screw someone over) the better they look.
IT'S LEGALIZED HIGHWAY ROBBERY...AND YOU HAVE BEEN HAD

[TDAWG]

well as of 10 minutes ago my lawyer called me and asked if everything was all set? I'm like whatcha mean? He tells me that they called him and for me to take what's mine write a list of what I'm leaving and faxed them a copy so they would know it's all set. I told him I'm waiting for a phone call from them. he says ok let me know when they call and what they say, I say ok. No sooner that hang up the phone and it rings. They tell me ok take what's not factory and that they would like a copy and pictures of everything. I say ok then they say that the price will remain the same. I ask which price? The $10,225 she says that the price will be $9.450.00 which is the best they can do. So now I am taking everything out and left without a VX and not even enough to buy another 1 without hitting up my house/moving/mods savings. I told my wife when this is all done we are out of RI for good. God Rhode Island sucks.

[thebear54]

Jesus H....
They are willing to pay you $9,450.00 and total the VX....Why don't they spend that money to fix her up ??????
Probably should cost them a lot less, what do you think ????
Talk to your lawyer Tony, tell him to call the insurance people and have the car fixed for that price.
It sure beats having to look for another VX since you have so much invested in that one.
Just my 2 cents......John