betweenworlds
New member
Sorry it's long... lot of details had to be included.
Background: My insurance is covering me on a no-fault accident I was in... they will recover via subrogation later.
My Ford F-150 was deemed a total loss (semi truck drove over my hood... literally) and I do not agree with the insurance company's payoff amount.
Insurance company uses Mitchell's to create the vehicle valuation report. That report had 3 vehicles in it. Those 3 vehicles ended up needing 24 total adjustments just to make them comparable. That screams, "You have the wrong comparables" to me. Oh, and side note, my vehicle's base model, when new, before any options, was 40,000 back in the day (12 years old now). With upgrades, the msrp was 47,000. They are using 36,000l.
So, I spoke with my contact MANY times about this and finally asked her to let me show her what a difference there is between real comparables and the garbage ones the software pulled. The list i pulled together was so close to my truck that only 2 adjustments would be needed per vehicle. I asked her to run the valuation based on those. She didn't want to, but couldn't find reason not to. She did warn me, though, that this wouldn't change anything, and they would stick by their numbers.
After more than a week, I finally hear the report is done. I asked her to send me a copy, and she said she could not. She said they were not even supposed to run a 2nd report, but if I agreed this version was final, she would send it to me. I pushed back hard on that, and she sent me the report without requiring me to accept it as final.
I got the report, and not only was my truck price lower than before, but there was not even one single truck on it from the list of trucks i had given her.
I've asked for an explanation re where the trucks came from on the report... no response... we talk, but she keeps diverting the conversation away from the report. We're just about out of other things we were dealing with, and this will be the last piece to address to close things up. There was no valid reason for her to summarily dismiss the ones I gave her, much less throw all of them out.
In the 2 months I've worked with them on this, she just keeps saying I'm delaying closing the claim for no good reason. And if I'm not careful, my lender will intervene and allow the insurance company to close for the amount we owe on our loan, which leaves nothing left for us to use toward a down payment for our next vehicle.
Can't use a lawyer, no injuries, so this is just small potatoes and not cost effective for them to take on. Does anyone have any ideas or suggestions on what I can do at this point? We are about 6k below where we should be.
Background: My insurance is covering me on a no-fault accident I was in... they will recover via subrogation later.
My Ford F-150 was deemed a total loss (semi truck drove over my hood... literally) and I do not agree with the insurance company's payoff amount.
Insurance company uses Mitchell's to create the vehicle valuation report. That report had 3 vehicles in it. Those 3 vehicles ended up needing 24 total adjustments just to make them comparable. That screams, "You have the wrong comparables" to me. Oh, and side note, my vehicle's base model, when new, before any options, was 40,000 back in the day (12 years old now). With upgrades, the msrp was 47,000. They are using 36,000l.
So, I spoke with my contact MANY times about this and finally asked her to let me show her what a difference there is between real comparables and the garbage ones the software pulled. The list i pulled together was so close to my truck that only 2 adjustments would be needed per vehicle. I asked her to run the valuation based on those. She didn't want to, but couldn't find reason not to. She did warn me, though, that this wouldn't change anything, and they would stick by their numbers.
After more than a week, I finally hear the report is done. I asked her to send me a copy, and she said she could not. She said they were not even supposed to run a 2nd report, but if I agreed this version was final, she would send it to me. I pushed back hard on that, and she sent me the report without requiring me to accept it as final.
I got the report, and not only was my truck price lower than before, but there was not even one single truck on it from the list of trucks i had given her.
I've asked for an explanation re where the trucks came from on the report... no response... we talk, but she keeps diverting the conversation away from the report. We're just about out of other things we were dealing with, and this will be the last piece to address to close things up. There was no valid reason for her to summarily dismiss the ones I gave her, much less throw all of them out.
In the 2 months I've worked with them on this, she just keeps saying I'm delaying closing the claim for no good reason. And if I'm not careful, my lender will intervene and allow the insurance company to close for the amount we owe on our loan, which leaves nothing left for us to use toward a down payment for our next vehicle.
Can't use a lawyer, no injuries, so this is just small potatoes and not cost effective for them to take on. Does anyone have any ideas or suggestions on what I can do at this point? We are about 6k below where we should be.