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@ekaj196 Yes this is correct. If it fell out and was still bouncing it would've been under comp, not collision.

@zastaman I don't think you can name a single company that doesn't want every driver who's driving a vehicle regularly, (we're not talking permissive use here because this doesn't qualify) and not have them rated and charging premium for that risk. Otherwise someone could get a policy in their...

@resjudicata Everyone else on here is disagreeing with you

@loveofgod220 If J is going to be driving the car regularly, which it sounds like he will, he absolutely needs to be listed as a rated driver on B's policy. Yes it's going to be more expensive, but not doing so would be material misrepresentation, a form of insurance fraud. That can get a claim...

@resjudicata I'm just going on OPs narrative. If any of those existed, being as important as they are, that she would've mentioned it but she says she's had no contact for 3 years

@branchinthevine Yeah. The only way he could get a policy would be to commit fraud, which is a felony. I've not dealt a lot with life insurance but I don't know of anyway to search the hundreds or even thousands of insurance companies. Perhaps someone more experienced, which there's a lot on of...

@resjudicata Because he's an EX boyfriend. What kind of insurable interest could he have.

@bblack4jc Ignore the advice to sue for balance on the loan. It's horribly wrong advice

@christianperson They have no standing to sue them for the balance of the loan. They will lose in a heartbeat because that's putting them in a better financial position than before the accident.

@resjudicata 100% correct answer

@bblack4jc Public adjusters usually take around 10% of any settlement you get. They cant make your car worth more than it is and that's all you'll get from any insurance company. They absolutely won't get you money for your remaining car loan so I don't see where you'll come out any better by...

@bblack4jc His gap insurance wouldn't cover your car. The only way you're getting any more money than the value of your car is if you have gap insurance.

@bblack4jc You're only due, from either company, the value of what you lost, your car. Your financial choices are never taken into consideration by any company.

@elsa No one knows which company will have the best rates for you. Theres just too many things we don't me, and shouldn't know about you that determines your rates. Like your full name, address, DOB, SS#, etc. Call and get quotes. Just make sure you're comparing the same coverages.

@notsure411400 No. It doesn't matter if it was a cat. You were following too close. You're 100% at fault

@notsure411400 You were obviously not "at a safe distance" or you wouldn't have rear ended her. You need at least 1 car length per 10mph in speed and that's under optimum road conditions. You are 100% at fault here. Judging by the damage it appears you hit her at pretty good speed so that means...

@pennyrn They're not screwing you. Most of that is maintainence and doesn't add value. You might get a little more if the tires are only a few weeks old. But new spark plugs etc doesn't increase the value of the vehicle.

@billybob Anecdotal evidence is useless when you don't understand the industry of neither insurance nor body work

@billybob Yeah, giving advice like that we can tell you're not in the biz and don't understand how it works.This is not at all true. Your insurance company never gives you a "low ball estimate hoping you'll just take the cash" and run. That could possibly be construed as bad faith as the company...

@2sweet4me Agree with the other comment. This doesn't make sense. A turkey shouldn't cause enough damage to total a $8,500 car much less one worth $11,000. You need to get better information/details from your adjuster. As for valuation difference, that could be due to a couple of things, specs...