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Tell them to shove that paperwork where the sun does not shine!
They have to reconcile the accident for their client or he is going to be civilly liable. Scratch that, they are as he contracted them to cover him up to the limits of his policy terms!
There is nothing written that they can short change that coverage just because he hit a older car.
A fire hydrant or a wall into a busy cafe.....any accident! Do you think they depreciate the glasses, dishes and tables in that restaurant.. What if they can not get that pattern of dishes or uniquely upholstery seats. Just the same "As" your car they have to compensate your loss!
Your car in not drivable. The restaurant has to stay close for repairs. Lost business and employee expenses. Think about your situation and their obligation! The monkey is on their back and they know it!
Why do you think that when they settle they keep the payout in a low profile or even gaged for a period of time! These methods are invented by them for themselves!
I mentioned you can take it to a neutral arbitrator. I say neutral in that you do not want your insurance company involved because they look out for each other.
Negotiate....negotiate .....negotiate! You have to lay out more reasons not to accept . Never, never forget that you are the victim here and remind them of that. Their first offer is always less than half of what they know is their minimum. Standard Operating Procedure!
Time is on your side. Let them know the clock is running on them and you can find more expenses the longer you look!
As far as those doors. A person can find them for about a couple hundred dollars each and are sitting on a shelf, probably in the same color.
I found one for a car at a P&P for forty dollars. That's another item that just bolts on!
Phil
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