Bike was fully insured in my name. I have title but hadn’t transferred into my name yet. I was in the hospital for several months (not related to accident ) it wasn’t being ridden,dmv appointment timeframes were several months out due to covid.
Husband wrecked bike, care flighted, minor injuries. Bike deemed a total loss.
File claim with insurance … adjuster tells me the bike has a salvaged title out of Tennessee (I’m in tx). I inform her the title I have doesn’t indicate that, it’s a clean blue Texas title.She gives me the total loss amounts for a non salvage of $7500 and if it’s a salvage it would be $3500. I inform her my intentions are to retain the vehicle .I send her a pic of the title I have , she tells me the value is 7500 based on the pic of title, but I need to get title transferred. I take to dmv and find out it is a salvage and the title I have , shouldn’t have been sent to previous owner because it should be a salvage title .so I give this info to the adjuster. She tells me they won’t pay the claim unless title is in my name and I can’t get in my name because of the title mess up.
I would have to get a non repairable title from Tennessee first .. huge hassle.
I try contacting her many times, she finally replies Several weeks later and says they can pay $800 minus my $500 deductible. She can do an owner retained vehicle and I keep it (like I already told her that’s what I wanted to do) report and won’t need me to send the title or need it in my name.
I I go back and forth with her asking why they can’t pay the salvage amount becasue it seems like she could do the same owner retained vehicle .
I also had a $5000 optional equipment rider. For like an upgraded stereo, or othe r upgrades … I ask her about this and ask several times for a valuation report . She says she doesn’t have to provide that to me..
I wanted to know what their 800$ calculation derived from..
i paid more than $800 in premiums for the policy..
I didn’t think they were able to provide a full coverage policy for salvaged vehicles.?
My daughter bought a car with salvage title and could not get full coverage insurance on it from the same company we had bike insured through.
They paid personal injury claim , they paid personal property after saying they needed receipts. after couple months arguing with them about purchasing from local online marketplaces and and not having receipts - they finally pay for a few of the personal items damaged. I think the total was 426$.
I don’t feel like they are handling my claim with good faith.. am I wrong?
I feel like they should pay the salvage amount she quoted me.
What are my options?
Husband wrecked bike, care flighted, minor injuries. Bike deemed a total loss.
File claim with insurance … adjuster tells me the bike has a salvaged title out of Tennessee (I’m in tx). I inform her the title I have doesn’t indicate that, it’s a clean blue Texas title.She gives me the total loss amounts for a non salvage of $7500 and if it’s a salvage it would be $3500. I inform her my intentions are to retain the vehicle .I send her a pic of the title I have , she tells me the value is 7500 based on the pic of title, but I need to get title transferred. I take to dmv and find out it is a salvage and the title I have , shouldn’t have been sent to previous owner because it should be a salvage title .so I give this info to the adjuster. She tells me they won’t pay the claim unless title is in my name and I can’t get in my name because of the title mess up.
I would have to get a non repairable title from Tennessee first .. huge hassle.
I try contacting her many times, she finally replies Several weeks later and says they can pay $800 minus my $500 deductible. She can do an owner retained vehicle and I keep it (like I already told her that’s what I wanted to do) report and won’t need me to send the title or need it in my name.
I I go back and forth with her asking why they can’t pay the salvage amount becasue it seems like she could do the same owner retained vehicle .
I also had a $5000 optional equipment rider. For like an upgraded stereo, or othe r upgrades … I ask her about this and ask several times for a valuation report . She says she doesn’t have to provide that to me..
I wanted to know what their 800$ calculation derived from..
i paid more than $800 in premiums for the policy..
I didn’t think they were able to provide a full coverage policy for salvaged vehicles.?
My daughter bought a car with salvage title and could not get full coverage insurance on it from the same company we had bike insured through.
They paid personal injury claim , they paid personal property after saying they needed receipts. after couple months arguing with them about purchasing from local online marketplaces and and not having receipts - they finally pay for a few of the personal items damaged. I think the total was 426$.
I don’t feel like they are handling my claim with good faith.. am I wrong?
I feel like they should pay the salvage amount she quoted me.
What are my options?