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Re: my turn to do battle with State Farm..... [Re: moparx] #2937374
06/27/21 05:33 PM
06/27/21 05:33 PM
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Posts: 30,247
Florida STAYcation
dIc dOc Deity ! Offline
The village idiot's idiot
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Florida STAYcation
mopX ....rumor has it that Haggarty has a special coverage 4 u up

Dust insurance !

If more than an inch of dust collects on the vehicle yur storing ....

They send out a special POWER WASHER to clean it off !

Over the what THIRTY YEARS you’ve had yer Charger...... just think how many times you could have used those bennies ! wave

Re: my turn to do battle with State Farm..... [Re: dIc dOc Deity !] #2937611
06/28/21 11:57 AM
06/28/21 11:57 AM
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north of coder
moparx Offline OP
"Butt Crack Bob"
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now DoC, the dust was just the little that had landed on her car over the last few days since it was last washed.
the "boss" insists on a clean SHINY car !
and i have had my charger for FIFTY ONE yEaRs, thank you........... biggrin

got an appointment with the insurance adjuster. he is coming over to take pics and measurements. then off to get a couple of estimates.
beer

Re: my turn to do battle with State Farm..... [Re: moparx] #2937621
06/28/21 12:18 PM
06/28/21 12:18 PM
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Puttin' on the foil in Charles...
not_a_charger Offline
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Why are you wasting your time getting multiple estimates? You don't have to do that. No state requires you to do that. Pick the shop you want to fix it, and that's it. Or, if you're going to fix it yourself (which you are 100% allowed to do), get an estimate from the shop that you'd have fix it if you weren't going to fix it yourself. Don't waste your time running around. Don't waste the time of multiple shops who aren't going to be fixing your car.


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Re: my turn to do battle with State Farm..... [Re: not_a_charger] #2937638
06/28/21 12:48 PM
06/28/21 12:48 PM
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north of coder
moparx Offline OP
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you have a good point. the adjuster that's coming to look at it should have a good idea what the damage figure is.
beer

Re: my turn to do battle with State Farm..... [Re: not_a_charger] #2937719
06/28/21 04:43 PM
06/28/21 04:43 PM
Joined: Dec 2007
Posts: 18,153
Mass
DAYCLONA Offline
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Originally Posted by not_a_charger
Why are you wasting your time getting multiple estimates? You don't have to do that. No state requires you to do that. Pick the shop you want to fix it, and that's it. Or, if you're going to fix it yourself (which you are 100% allowed to do), get an estimate from the shop that you'd have fix it if you weren't going to fix it yourself. Don't waste your time running around. Don't waste the time of multiple shops who aren't going to be fixing your car.




When my 71 HemiCuda got hit in a shopping lot (I wasn't even in the car) Snake Farm was my Insurer (big mistake having them), they required 3 licensed local bodyshop estimates from me, they sent out no appraiser, everything was done by mail or phone, then they wanted to "total" my car for a creased rear qtr, highest estimate I had was $1800...... they never paid a dime the weasels, after months of calls/letters from me, but they had no problem asking for monthly installments....it was a stated valued policy with full coverage, live and learn...

Re: my turn to do battle with State Farm..... [Re: moparx] #2937726
06/28/21 04:56 PM
06/28/21 04:56 PM
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Mass
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Originally Posted by moparx
you have a good point. the adjuster that's coming to look at it should have a good idea what the damage figure is.
beer



Don't count on it, over the decades, dealing with various adjusters/appraisers both in the shop and my home, I find most have little to no knowledge what they're looking at vehicle or damage wise.... I did enjoy some retribution on Snake Farm some years ago when one of Snake Farm's insured total out my Daughter Ford Escort, it was a $600 4cylinder econo $hitbox, that I slapped some junkyard Escort GT body flare pkg and a quickie paint job on, car looked great for a kids first beater, probably had no more than $1K in the whole car, the Snake Farm goof showed up after 3-4 weeks of waiting, fortunately for me he told me I had one of those rare GT Escorts worth some money!, I didn't say a word....he cut a check for $3800

Re: my turn to do battle with State Farm..... [Re: DAYCLONA] #2937753
06/28/21 06:03 PM
06/28/21 06:03 PM
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Oregon
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My buddy's RR got hit and State Farm paid $40K to have it fully repaired. But I've heard a bunch of other stories where State Farm refused to pay claims or made it super difficult to collect so it is hard to know what to believe. Maybe it all depends on the specific person involved.

IMG_1649 (002).jpegDSC_4560 (Large).JPG
Re: my turn to do battle with State Farm..... [Re: DAYCLONA] #2937885
06/29/21 06:47 AM
06/29/21 06:47 AM
Joined: Dec 2007
Posts: 19,771
Puttin' on the foil in Charles...
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Originally Posted by DAYCLONA
Originally Posted by not_a_charger
Why are you wasting your time getting multiple estimates? You don't have to do that. No state requires you to do that. Pick the shop you want to fix it, and that's it. Or, if you're going to fix it yourself (which you are 100% allowed to do), get an estimate from the shop that you'd have fix it if you weren't going to fix it yourself. Don't waste your time running around. Don't waste the time of multiple shops who aren't going to be fixing your car.




When my 71 HemiCuda got hit in a shopping lot (I wasn't even in the car) Snake Farm was my Insurer (big mistake having them), they required 3 licensed local bodyshop estimates from me, they sent out no appraiser, everything was done by mail or phone, then they wanted to "total" my car for a creased rear qtr, highest estimate I had was $1800...... they never paid a dime the weasels, after months of calls/letters from me, but they had no problem asking for monthly installments....it was a stated valued policy with full coverage, live and learn...


Their "requirement" is not relevant. They don't make the rules, the state legislature does. You don't need 3 estimates, period.


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Re: my turn to do battle with State Farm..... [Re: DAYCLONA] #2937887
06/29/21 06:51 AM
06/29/21 06:51 AM
Joined: Dec 2007
Posts: 19,771
Puttin' on the foil in Charles...
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Originally Posted by DAYCLONA
Originally Posted by moparx
you have a good point. the adjuster that's coming to look at it should have a good idea what the damage figure is.
beer



Don't count on it, over the decades, dealing with various adjusters/appraisers both in the shop and my home, I find most have little to no knowledge what they're looking at vehicle or damage wise.... I did enjoy some retribution on Snake Farm some years ago when one of Snake Farm's insured total out my Daughter Ford Escort, it was a $600 4cylinder econo $hitbox, that I slapped some junkyard Escort GT body flare pkg and a quickie paint job on, car looked great for a kids first beater, probably had no more than $1K in the whole car, the Snake Farm goof showed up after 3-4 weeks of waiting, fortunately for me he told me I had one of those rare GT Escorts worth some money!, I didn't say a word....he cut a check for $3800


We received a repayment demand from SF on a Mercedes SUV. It was a base model with faux leather interior. When determining the value of the vehicle, SF added not one, not two, but three (!!!) different leather interior packages to the list of options, along with the woodgrain steering wheel. The vehicle clearly did not have a black leather interior, AND a white leather interior, AND a gray leather interior (or whatever color the 3rd one was), and they actually sent us a picture of the base model steering wheel. We told them all of this. They threw a fit. I got my buddy who owns a shop that does the collision work for the local MB dealer to get me a copy of the build sheet for the vehicle in question. It confirmed that we were right, and SF was wrong. We gave them a copy, reduced their payment demand by almost $17k and told them to pound sand. They went away and never made another peep.


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Re: my turn to do battle with State Farm..... [Re: not_a_charger] #2937962
06/29/21 11:47 AM
06/29/21 11:47 AM
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north of coder
moparx Offline OP
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so should i get one estimate ? shruggy
my insurance claims guy is coming this afternoon around 3:30.
beer

Re: my turn to do battle with State Farm..... [Re: moparx] #2937976
06/29/21 12:24 PM
06/29/21 12:24 PM
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Puttin' on the foil in Charles...
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You don't have to get any estimates if you don't want to. You can tell them you want them to come look at it. They may ask you to go to one of their direct repair shops to get an estimate. You are allowed to tell them no. They don't get to dictate where you gen an estimate from, how many estimates you get, etc.


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Re: my turn to do battle with State Farm..... [Re: moparx] #2937977
06/29/21 12:25 PM
06/29/21 12:25 PM
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Mass
DAYCLONA Offline
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Originally Posted by moparx
so should i get one estimate ? shruggy
my insurance claims guy is coming this afternoon around 3:30.
beer




I would, just to know how on base he is, it costs you nothing but some of your time.....The Insurance industry is most certainly a mixed bag of nuts

Re: my turn to do battle with State Farm..... [Re: moparx] #2937992
06/29/21 12:57 PM
06/29/21 12:57 PM
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Posts: 2,415
Connecticut
Ron_M Offline
top fuel
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Originally Posted by moparx
Originally Posted by larrymopar360
I hope they don't total it.



that's what i was wondering. i have been looking around on craigs list and fakepage market place hoping to find one of these cars for good spare body parts, but have struck out mostly.
anything that is listed has rust or damage issues. these cars were kind of like the aspen and volare, it seems the rust was a factory "option".
also, the ones listed seem to be in the $850 - $1300 or so range, so depending on what kind of estimate[s] i get, it could be close to being totaled.
i'll see what/if i can find any old car value guide says, if that thing is even listed.
beer


Another resource is the dodgeintrepid.net classifieds.

Last edited by Ron_M; 06/29/21 12:58 PM.

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Re: my turn to do battle with State Farm..... [Re: DAYCLONA] #2937993
06/29/21 12:57 PM
06/29/21 12:57 PM
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Go to the shop you want to use and get an estimate. The only problem you'll have is if the price you get is way out of line or if their adjuster under cuts the repair value. That's usually the only reason you'd need multiple estimates.

Now if they want to write off your car and you disagree on value that's a different story. Thats what caused me the most headaches with state farm but once I was finally able get it through to them that their offer was too low and got the proof they wanted it was resolved pretty quick. It took several weeks to get there tho.

That doesn't look like anything major on the concorde. Even a paintless dent guy might be able to get it out depending on what access they have inside the door.

Last edited by 5thAve; 06/29/21 01:04 PM.
Re: my turn to do battle with State Farm..... [Re: 5thAve] #2938169
06/29/21 08:47 PM
06/29/21 08:47 PM
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Omaha Ne
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Originally Posted by 5thAve
Go to the shop you want to use and get an estimate. The only problem you'll have is if the price you get is way out of line or if their adjuster under cuts the repair value. That's usually the only reason you'd need multiple estimates.

Now if they want to write off your car and you disagree on value that's a different story. Thats what caused me the most headaches with state farm but once I was finally able get it through to them that their offer was too low and got the proof they wanted it was resolved pretty quick. It took several weeks to get there tho.

That doesn't look like anything major on the concorde. Even a paintless dent guy might be able to get it out depending on what access they have inside the door.


iagree beer

Re: my turn to do battle with State Farm..... [Re: TJP] #2938258
06/30/21 06:46 AM
06/30/21 06:46 AM
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Originally Posted by TJP
Originally Posted by 5thAve
Go to the shop you want to use and get an estimate. The only problem you'll have is if the price you get is way out of line or if their adjuster under cuts the repair value. That's usually the only reason you'd need multiple estimates.



iagree beer


You don't ever need multiple estimates. Do you want to turn control of your repairs over to the insurance company and let them try to dictate things? Get multiple estimates, do what the insurance company tells you that you "have" to do, try to appease them, try to find a compromise between them and the shop that wrote your original estimate. Or, you can listen to the guy with almost 30 years of experience in this arena, and keep control of the situation by standing your ground and knowing your rights. Your call.


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Re: my turn to do battle with State Farm..... [Re: not_a_charger] #2948164
07/28/21 02:07 PM
07/28/21 02:07 PM
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north of coder
moparx Offline OP
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here is the update.
i have already decided that my one buddy [who lives in jamestown, ny] will be fixing the car. he has already looked at it, and he said it will be a relatively easy fix, however, the problem will be the blend between the front fender and the rear door. he has done body work his whole life, and is retired now working out of his shop at home. i have known him for over 45 years, and he does very good work.
i had one estimate done locally, and it was $1441.43. [i had guessed it would be roughly around $1000-1200]
state farm wants to pay me 60%, as they said i was 30% at fault. what happened to the other 10% ????
i also reenacted the crash, using my buddy's pickup, which is almost identical to the guy's truck that hit me. after observing what is in the backup cam, it's almost laughingly obvious the guy wasn't watching it as he claimed.
also, my buddy's truck has a "beeper" alarm that goes off when it's about 6 feet or so away from hitting what is in the camera's range. i'm guessing the other guy's truck has this as well.
i am going to have my attorney write a letter to state farm and see what their response is.
beer

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Re: my turn to do battle with State Farm..... [Re: moparx] #2948173
07/28/21 02:27 PM
07/28/21 02:27 PM
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nowhere
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Years ago I had a somewhat similar issue, wife was driving down the alley to park in our garage, guy pulls out from along side a fence perpendicular to the alley and located so that he could not see oncoming traffic and ht the side of my wife's car.

We immediately called our insurance, after exchanging ifo and getting home. Was told to file with his insurance to simplify the deductible recovery. SO we hung up and called his insurance. They took all our information and we waited.

Several weeks later after being told they were not going to cover our car because he claimed we hit him, no one came out to even look at the cars and him dodging their calls, I got mad. Told his insurance that I was going to get an attorney, I had talked to my insurance about this and they offered to sue on my behalf. As they told me "it's part of what you pay us for". Next day his insurance, after mine had a talk with them, called up and claimed they had gotten in touch with him again and the story they got this time was not consistent so they'd pay up.

Might need an attorney since you are both State Farm.

Re: my turn to do battle with State Farm..... [Re: Sniper] #2948180
07/28/21 02:51 PM
07/28/21 02:51 PM
Joined: Sep 2003
Posts: 19,237
north of coder
moparx Offline OP
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i have erie insurance, the guy that hit me has state farm.
as this car is old, i just have liability on it, but WAY more than is necessary, just in case i or my wife cause an accident.
i'm man enough that if either of us cause an accident, i'll bite the bullet and fix our stuff my self, and erie will pay for the damages we cause.
however, if someone else wacks us, it's a way different story !
erie has already said they won't cover the damage, and i don't expect them to. i believe state farm needs to step up, but i believe it will take some prodding from me for them to do so.
if this was like every other 93-97 concorde in the state of pennsylvania, it wouldn't be such a big deal.
this car is NICE, and we have decided long ago, this will last us the rest of our time[s] here. if WE wad it up bad, off to the boneyard it will go, and we will find something else.
as it is, we are most certainly going to fix it.
beer

Re: my turn to do battle with State Farm..... [Re: moparx] #2948198
07/28/21 03:26 PM
07/28/21 03:26 PM
Joined: Dec 2007
Posts: 19,771
Puttin' on the foil in Charles...
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SF will cave after your attorney contacts them, as they should. Their driver is clearly 100% at fault here.


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