RRLund Insurance

Randy, I thought that this may make you feel better. I found out about the LDW insurance coverage that the rental companies always try to get you to buy years ago, but almost every time that I am going to be renting a car I double check with my insurance agent before I go to make sure that I don't need it. A few months ago as I was driving I was listening to talk radio. I don't recall how it came up, but anyway this guy called in that used to work for a car rental co. He said that they don't pay much over min. wage but they pay very high commissions on the add-ons, and that is how they make their money. But, he said, that is not all. They are constantly getting checked on by managers, and if they don't get enough add-ons they get fired. No wonder they pressure you so badly! Two years ago I flew into Orlando, and I declined all of the options as usual. Then the agent put the contract up on a screen for me to sign. I skimmed over it, and even though I declined them all, SHE HAD ME CHECKED OFF TO TAKE THEM ALL! I had to get very direct with this sweet looking little young thing to get her to take them off. She probably gets away with adding them on just because of her looks. So, you may think you got took, and maybe you did, but you can rest assured that you have plenty of company.

I've rented several times and have declined it all but the last two times. Last time,it wasn't this expensive. This guy wasn't high pressure,but he didn't give me a straight answer when I asked what it would cost either.

That brings me to no fault. Ready for the rant? If you live in a state that doesn't have it,and politicians want to shove it down your throat for the advantage of the insurance companies that are lining their pockets,GET RID OF THEM! Even if it means crossing over and voting for the other party,and I'm serious as a heart attack,do it!

I finally talked to an adjuster about one o'clock this afternoon. They offered me about $4500 to settle on a car that I just paid $8250 for a week before it got hit. I told the guy the condition it was in. He said he had it down as "average" condition and unknown,mileage. When I told him how exceptional it was,he said he'd check with the body shop to confirm it and do some more figuring,maybe they could fix it. The repair estimate was just over $8400. He said he'd call back in a while when he got it figured out.

I went out and hauled manure. He called back and left a message to call back,but said they work as a team and I'd have to talk to whoever answered. The gal I ended up talking to was nice enough,but she told me they came up with a value of $7891. I asked her how she came up with that. She said she had 4 comparables and that was the average. Larry,at the body shop told me to have some comps to give them,so I had 8. They were anywhere from $9995 to $11,995. That didn't matter,we had to use theirs,even though she wouldn't tell me where she got them.

She said they just plain flat out were not going to fix my car and $7891 was all they were going to give me. Period. I asked what they would sell it back to me for so I could have it fixed. She put me on hold and came back with $1069. That leaves me $6822 difference. Larry had told me that he could shave some off for me and could fix it for that. I asked the adjuster if they'd still cover it with full coverage if I did that. She told me to call my agent. The office gal checked and said,yes they would.

Trouble is,if it get's smashed through no fault of our own a week after it's fixed,next time their comparables will be for a car with a salvage title,which you can't get a bank loan on,so it'll pretty much be worthless.

I suppose somebody will chime in and make it political,it's inevitable on this forum,but I will NEVER vote for another candidate who has taken one red cent from an insurance company. This has made me totally independent politically. Go ahead,vote party lines no matter who they've taken money from. You'll get it right up the backside financially in a huge way some day.

Rant over. Where's the aspirin?

One thing to keep in mind about your insurance and car renters insurance us while your full coverage might cover repairing the rental car, it
might NOT pay the daily rental fee while the car is idle, being fixed. So if the daily rate is $50 per day and it takes 30 days to fix the rental car,
you might be out of $1,500. The car rental insurance pays for this.

Bill

That was the exact thing that was going through my mind. If some brainless idiot on a cell phone smashed it for you,you could be in deep do do in a hurry.

(quoted from post at 18:27:17 08/25/17)I finally talked to an adjuster about one o'clock this afternoon. They offered me about $4500 to settle on a car that I just paid $8250 for a week before it got hit. I told the guy the condition it was in. He said he had it down as "average" condition and unknown,mileage. When I told him how exceptional it was,he said he'd check with the body shop to confirm it and do some more figuring,maybe they could fix it. The repair estimate was just over $8400. He said he'd call back in a while when he got it figured out.

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Randy, a few years ago we bought a used 1996 GMC Suburban, 3/4t, 4wd, LOADED, 454 that roared like a well-trained lion, and only 73,xxx!! It was the deeeee-luxe package! Had brand new General Grabber AT2 tires on it - LT's, not passenger. Ended up being in an accident. The adjuster came out and filled out his paperwork as though this was a a run-ragged piece of junk! He said it had no leather seats, didn't have A/C, didn't have ABS brakes, didn't have a high-end stereo, didn't have....oh heck, just keep on going! He even had the nerve to say the tires only had about 15% tread remaining, and we had put less than 2,000 miles on them!!

I fought it! Guess they weren't expecting to tick me off, but they sure had this tiger by the tail! It took a few months, but I kept refusing their offers. I had too much photo-documentation that proved we were right. Still didn't get near what we paid for it, but then I never expected to. We paid $9k for it. Looked like it coulda been one of them super duper undercover gov't agency rigs - you know, one of them that has only three letters, and that you've probably never heard of before. Jet black! But I got the insurance company to take it from the original $1,7xx that they offered, up to over $6,000.

Now here's where poetic justice comes into play. Once they got back from Christmas vacation, they got the truck out of the paid lot from the towing company and had it stored in some place where they didn't have to keep paying storage. They totaled the truck - said it wasn't worth fixing, BUT that it would most likely end up being bought by someone in Mexico and fixed up down there. So when they went to pay us the check, my wife asked if she needed to sign off on it as well, as both our names were on the title. They assured us 'No'. Some time later, they had to overnight us some paperwork so we could sign it and get it back to them, as they could not get the title in their control without this authorization. Over the next year, they spent lots of money overnighting the same paperwork to us, and each time TELLING my wife how to sign her name. Problem was, what they wanted didn't match the title. It finally got to a point where our agent stepped in and told us to NOT sign any more of these forms, then she spent over 1/2 hour raising cain with the head office about how badly they had been treating us yet still kept asking for more. Our agent told us to bring in any future forms that were sent and give them to her, so we did - 3 more times. She must've finally hit the right nerve, as the forms stopped coming. So in the end, the insurance company still couldn't sell the wrecked truck to anyone, as they cannot get the state of Minnesota to release the title without the names being perfect.

...I wonder what State Farm ever did with that now-rusted pile of scrap? *lol* They can't even scrap it out as they cannot ever own it!! ROFL

-It's not always a salvage title, at least in Mi. The vehicle can be inspected by a state inspector, He 'can' approve a green title.

Even though it sucks Randy , I think I would take their money ,be Pi$$ed off , and move on . Fix this car , and you will never feel the same about it again, it is damaged goods.

Where do I find a state inspector? My son had one totaled and said it didn't get a salvage title,but he didn't know why.

The damage is so minimal to this thing Bruce,you wouldn't believe it. The big expense is the drivers airbag. It didn't break any lights,didn't even crack the grill.

I sold some timber and told the wife I'd use the money to get her something better to drive for her birthday. We went and looked at several of them. Every one we looked at,her response was the same,"It's a piece of sh!t". It was getting to where I was getting pretty ticked off at her for being so negative about it. When we pulled in to Dick's driveway and she saw this one,she lit right up and said "That's the one". If this was my truck that got smashed,I'd have probably just grudgingly moved on,but my wife is still beside herself over this. I can take a few punches,but hurt my wife and you'll wish you were never born before I get through with you.

I'd contact the state insurance commission and tell them about this and see what recourse you have, there has to be some sort of appeal process or oversight, if nothing else sometimes when the State starts asking questions the insurance company has a quick change of heart, especially if it's easier to make you happy than to explain to the state why they're shaving the claim.

I guess the updated version of an old saying is "Some days you Da statue some days you Da Mob".