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Ok I am game!
Just for how many years have you been paying them several hundred dollars a year for coverage.
I do not mean for your car I mean for some one else's car more expensive car that you might hit. There are several hundreds of thousands of them out there that he or you could hit!
Rates are charged at rates are set by insurance commissions in each state. They are arrived by what's are considered fair and equitable with the odds of damage in zones adjusted for by city and all states you might drive into. Most of all, the company whines for profits.
If you want to buy into that, there is a law just for your state, that will help them reduce their liability when the odds are calculated for all of our national drivers, you are very gullible.
That would be like having some small print that says, you are limited to how many times you can leave the state, hours you can drive or if it snows, we will cut the coverage in half!
They already got us by the bells as they "influence" a car dealers sales book to accelerate control over those depreciation prices. Sighting labor cost is first as parts and list pricing is a scam setup by both parties leaving consumers slammed in the middle. Parts are made as cheap as mass production will provide!
We know all of this and the true value of our 240's.
I will asked this. The day before it was hit would you have sold that "nice solid car" for the price they are offering. I mean you could not keep that car any longer, not one minute longer, its gotta go!
It might have been worth that under those circumstances but you are being a victim here. You did not ask for this mishap! You were not selling anything!
They know that their driver or any driver could have landed on a more expensive behind yours or in the next posh neighborhood!
They have bucks to cover "any" accident and they know they are liable for as much too, everyday!
As far as that law, they are appealing to your feelings. Playing of your idea of a fair deal! Its all about physiological training THEY get.
You are in a fight with an arm tied behind your back or a blindfold to see their reasoning!
If you went to find a car as solid, dependable as your present car, what new car would you buy to replace it?
Now, you got to use the same fair and honest reasoning, you will be looking at compact car for sure.
One that has a heater, wipers, at least one air bag, and will run reliable as your car would have for at least another hundred thousand miles!
Your looking at a low mileage $8K and up to a $14K value car to replace yours. That is a true value that you should be thinking your car is worth. Because you are going to be out that much in the end of that hundred thousand miles to keep that lesser quality car on the road!
Think about it a lot....They are stealing that type of car right out from under your hard working hands!
Now, you got to put those hands up to fend off with quick thoughts placed in here and give the same fast lip service drag they are running down on you!
I and you know they are not going to give that type of car for a replacement even though they could. It's just a paperwork statistic! A Christmas bonus for the adjuster or area agent broker if you sign with the one hand your fighting with!
What you want is as much as they are liable for, in a real world that everyone gets charged for!
I know with Us, owning a 91 or even older cars, we are not in "their" real world but we should not be singled out as buying any less liability coverage for ourselves when we hit that Aston Martin we can "catch" on a side street!
Thinking you want at least twice what their offering and you keep the car. Now this is where you dicker. You want that, plus the cost of P & P parts to fix it!
This because they sell cars to them. That their other half of the scam on us!
You want the price they get from auction or some number above junk price. They are providing insurance and are not in the selling of car business. OR ARE THEY?
You car is not junk or you would have taken that earlier price before the car was hit!
Think its stuff over and tell them you want that real world price or you will bump it up to an arbitrator for sure.
They have time limits that are more costly to them overall, if passed. Arbitrators is a nasty word for an agent to hear or have to tell his bosses!
You just need to wait out their timer for awhile and make them sweat more money out of those cold dark corporations hands!
It's going to be a tattoo affair. Try not to let them turn it to the head of the screw to the left because as it turns right, it feels much better for you!
Phil
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