Lowball me on the value of my car? You’ll hear from me on the hour, every hour.

prorevenge:

warning: long story.

On November 17th 2010, I was involved in a major vehicle accident (18 year old kids fault).
I was in the hospital for 6 days and was on disability home rest for 3 months for recovery (back issues/fused spine). When I was coherent enough to deal with business, I started talks with his insurance company.

From the very start, they low balled me on price from just about everything. $600 value for a $3500 car (Kelly Blue book valued it at $3690) and I had a brand new paint job on it from 3 months prior (their value: $32) and 4 brand new tires not even 2 months old (valued: $5 a tire). They brow beat me into thinking that this was how the processed worked. Nearly convinced me to settle.

This insurance company wanted to cut me a check for $700 bucks and some change within 5 minutes of talking to me. The negotiations started horribly and I couldn’t get them to budge for nearly a week. I talked to my lawyer and he couldn’t help but gave me great advice. I got additional advice from my own insurance agent on how to deal with them and basically asked professionals on how to approach this.

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