I bought Buffy a new car

biknut

biknut

Well-Known Member
I bought Buffy a new car. I kind of had to after totaling her MKZ right before Christmas. This is what I got her with the insurance money. A 2014 KIA Optima loaded for bear. This is on top of her new kitchen, new stove, cool hello kitty stuff, and now new car. It's good to be her lol. She still doesn't know how much my bike cost though lol.

 
Dayum man! She is very, very, very lucky to have you!

Here I sit waiting for my tax return so I can begin rebuilding my Harley and hopefully start another motorized bicycle build. I doubt I will be able to afford doing both though.
 
biknut said:
I bought Buffy a new car. I kind of had to after totaling her MKZ right before Christmas. This is what I got her with the insurance money. A 2014 KIA Optima loaded for bear. This is on top of her new kitchen, new stove, cool hello kitty stuff, and now new car. It's good to be her lol. She still doesn't know how much my bike cost though lol.

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It's a good thing cuz she wouldn't have her nice new car and you wouldn't have us to kick around any more (being six feet underground and all) ;)

Don't worry, I won't be the one to tell her :D

Nice car.....you're a good man 'nut :)
 
The MKZ got totaled when a lady with no drivers license, and no insurance, talking on her cell phone attempted a left turn in front of us at an intersection. My uninsured motorist ended up paying.

I learned a lot about dealing with an insurance company from this. The number one thing I learned is the insurance company is not your friend.
 
Sux doesn't it?
You pay them out the wazoo.... and when you need them to fulfill their end of the contract they get all squishy and cheap azz. Low balling everything instead of doing what they advertise as "great customer service they provide" on their TV commercials.
One of the worst ins. adjusters I have ever had to deal with was from the company with a cute little lizard as their front man.
The guy was a moron and a jerk, both to us and the customer who just wanted their bike back on the road.
 
Right from the very first moment State Farm was trying to rip me off. They do it in such a way you don't even know they're doing it. I got lucky and before signing anything my best friend made me call a diminished value specialist. He charged me $450, but because of his involvement the claim went from $9500 to $21,600. He turned out to be the insurance company's worst nightmare.
 
The insurance company wants to just fix your car. They don't want to talk about how even if it get's fixed perfectly it won't be worth as much just because it was wrecked. Legally you're entitled to recover that value too. They're hoping you don't know that, and will not tell you.
 
There's a little insignificant looking sticker under the hood on the fender well. There's about 35 of them all over the car. It turns out these stickers are considered anti theft devises. You can only buy them as a set, for about $4500. The insurance company will not tell you about them, and no body shop would dare mention them either, because they don't want to get on the insurance company's bad side.
 
Learned something new today Biknut. Never heard of a diminished value specialist before.

Your wife is very lucky to have you man. I don't think she will bother with the value of your monster bike.
 
I never heard of a Diminished Value Specialist either until now Biknut. Thank Heavens your friend knew about them and alerted you so you could hire one. The specialist didn't cost he paid.
Most people think that insurance companies are there to help you in a time of need and they are but only for as little as they have to pay out. They are a business and they are there to make money no matter what the lizard tells you.

Biknut, thank your for this information. It will help a lot of people get what they should have.

Steve.
 
This diminished value appraiser told me in 20 years he's never lost one single court challenge against an insurance company. He spends a lot of time in court. He told me if a claim ends up in court he charges $90 an hour extra.

He said when you trade your car in one of the first things a dealer does is check under the hood for the anti theft stickers. If they're not there the dealer knows your car was in an accident.

Another secret has to do with checking the frame to see if it's bent after an accident. The shop where I took my car made a big deal about telling me what a great high dollar frame checking machine they had. Same kind as they use at Lexus they said.

After the appraiser looked at my car he said I had frame damage. He showed me their frame machine, and pointed out the thick dust it had on it. He said they probably haven't used it in years. The reason is because to do the job right it will cost about $1000 just to check it. The insurance company will be pissed if they actually find out your car is more than so many 16ths out an inch of spec, and will stop recommending them, so they almost never check. The appraiser said you have a legal right to demand the frame be checked to find out if it's still meets the factory spe c. Nobody knows that.
 
It's against the law for an insurance company to lie, or use coercion to get you to do anything you don't want to do. But they're under no obligation to inform you of your rights. They only have to answer questions you ask truthfully, but good luck with that.


The problem is they assume they can lie, and coerce you all they want because you won't have any proof. The appraiser told me to record all conversations I had with them for this reason. At the beginning of every conversation with the claims department they inform you that "this call my be recorded". When they tell you that they may be recording the call, that gives you carte blanch to record them, and you don't have to tell them about it, because they already told you the call will be recorded. They have a machine that can tell if you're recording them, but they can't tell if you put them on speaker phone and record them remotely with a hand held.
 
Hopefully I'll never need one but just how do you go about finding a 'diminished claims adjuster". The yellow pages? How are they listed? Are they typically independents or are there companies who specialize in this?

Tom
 
2door said:
Hopefully I'll never need one but just how do you go about finding a 'diminished claims adjuster". The yellow pages? How are they listed? Are they typically independents or are there companies who specialize in this?

Tom
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I think they're typically independent's. The way I found out was my best friend recommended this guy. When I ask him how he found out about him, he told me my son told him about the guy. When I ask my son how he found out he looked at me like I'm an idiot, and said online of course lol.

That's how all young people find out about everything. Us cavemen have to know a young person.

This is who I used. I think he serves the whole state. I'm pretty sure every big city will have them.

http://www.directdv.com/
 
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