Anybody familiar with car insurance claims· Page 3

wpr
Preferred Member

14 years ago

Correct not a tax refund. It is a licensing fee/ sales tax reimbursement from the insurance company. Whichever one pays you for your car. Ultimately it will be the other guy's insurance who pays for it but if you are paid for the damaged car by Farmer's they will be the one you send you this check.

Porforis
Veteran Member

14 years ago

#22

Well, good news. Looks like my insurance company isn't screwing me on compensation. They're offering me $4992 for the car (plus sales tax/title transfer fees), NADA's "Clean Retail" was 5200, suggested retail on Bluebook was 5940. Contacted a guy about a car identical to what I had minus 60,000 miles for 6 grand, hopefully everything checks out and I get my check soon 🙂

zombieslayer
Registered

14 years ago

#23

Good news Porforis. Now, don't mean to be your parent here, but did you get your medical checkup?

Your health is worth more than your car. Literally. Medical expenses could be $10k, or nothing. We don't know. Get checked out before you sign a check.

My man Donald Driver

(thanks to Pack93z for the pic)
2010 will be seen as the beginning of the new Packers dynasty. 🇹🇹 🇲🇲 🇦🇷

Porforis
Veteran Member

14 years ago

#24

"zombieslayer" wrote:

Seriously considered it but declined due to scheduling issues (Soonest I'll have a weekday off from work is next tuesday), and the fact that I've had no pain or discomfort since the day after the crash (beyond some minor shoulder soreness two days after the crash). Am I being young, stupid, and not playing it safe? Probably. But, I'm young and stupid.

zombieslayer
Registered

14 years ago

#25

"Porforis" wrote:

Porforis - I tell this to my son all the time. I tell him "how do you think the you 10 years from now is going to look back at what you're doing?"

I'll keep my fingers crossed and hope there's nothing wrong with you. But if there is, the 2020 Porforis is going to be really pissed off at the 2010 Porforis. If there's nothing wrong with you, the 2020 Porforis will say "you got lucky 2010 Porforis but next time get checked out anyway."

You were in a car wreck where your car was totaled. Your boss will understand you taking a few hours off to get checked out.

My man Donald Driver

(thanks to Pack93z for the pic)
2010 will be seen as the beginning of the new Packers dynasty. 🇹🇹 🇲🇲 🇦🇷

wpr
Preferred Member

14 years ago

#26

"Porforis" wrote:

I am glad things are working out for you.

Porforis
Veteran Member

14 years ago

#27

Okay, okay, I'll go. Might be possible tomorrow or wednesday (preferably tomorrow), but I need to run all this by my auto insurance company first, I left my adjuster a voicemail and am hoping to hear back from her soon. As in, still today.

Also, a question for wpr. if there WERE medical costs involved, would the check for my car come after the final medical cost figure was established, or is that a separate subrogation process? Also, am I using the right term/spelling?

wpr
Preferred Member

14 years ago

#28

"Porforis" wrote:

1. I believe you said you do not have medical payments coverage on your current policy so our company will not "care" if you seek treatment or not.
2. As a courtesy they may include your medical bills in their subrogation process but they do not have to. (I have never heard of a company doing so and I have been doing this for 30 years. But I do not closely track every single claim.)
3. The medical bills are separate from the auto loss. I tell my clients to look at the process as 3 or 4 separate claims. (Some companies even give them different claim numbers and different adjusters.)
first claim is your car. second is the rental (if applicable.) third is your medical. last is the liability for the other guy (if you are at fault.) If a person gets paid for medical it does not reduce payment on the car.
4. You used the correct term- subrogation.

hope this helps.

Porforis
Veteran Member

14 years ago

#29

Been a while since the last update but I did go into the chiropractor. Been feeling a lot worse since I started going there (neck/back) but need to trust that they know what they're doing. Other guy's insurance company contacted me and sent me related paperwork, hopefully they'll cover the medical expenses and I don't need to take them to court. Total chiropractic bill's going to be around 900 out of pocket when all is said and done, and my health insurance company may be cutting me off soon as well.

Should be getting my check for my car next week, with all that I've been screwing around with lately I very, very much want the same car I already had... There's a guy I'm meeting with next thursday that has a car identical to what I had (minus 60,000 miles), will be about $1000 out of pocket but praying that'll work out. The rest of the 2003 Malibus around here (what I had) all seem to have 80,000 miles+, and if I'm spending money out of pocket I really want a car that's going to last me many more years.

wpr
Preferred Member

14 years ago

#30

thanks for the update.
some people like crack-or-practors some don't.
i don't mind them. my wife always feels worse afterward. same guy same treatment. go figure.

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