jc2e1028 asked:


I have a full coverage for my car…and due to an accident (no-fault accident, hit and run on highway, and still under investigation), the car was damaged a lot and my insurance company decided not to fix it for me and just pay me the value of the car.

The process of getting the value of the car, deciding whether to fix it or not, salvage value…and so on….it took about 1 month.

Meanwhile, my car was in a local garage where the police officer called when the accident happened. I told my insurance company that my car was towed to this local garage, and asked them to get it from there (I called them while I was in ER)

I thought they took care of it…but now looking at the settlement, my insurance company charged me $3,000 for local garage storage fee. (The garage charged my insurance company, and eventually I had to pay for it.)

Does it make any sense? My insurance company decided to leave my car at this local garage. If I knew I had to pay about $3,000 for my car parked at this ramdom local garage, I probably asked them to tow the car to my backyard!!!

I am trying to call the claim adjuster and talk to her. But since the settlement letter was sent to me, she is extremely hostile and treats me like a piece of ****. She thinks everything is finished and she has no more business with me about this accident. She was almost screaming at me on the phone when I asked to look at the settlement again….

Should I talk to a lawyer or call the State department for insurance settlement and reopen the case? I don't have a car now and I owe $3000 to the garage….even though I had a full coverage insurance? (but the way, this is after $500 deductibles that I paid)

I don't understand! please help

thank you
thank you so much for your help.

I just found that another settlement document that my insurance company sent me about 2 weeks ago. On that paper, they did not deduct the $3000 for storage fee.

About 2 weeks later, they decided to amend the settlement (of course, I wasn't informed!) and sent me the one with $3000 deduction. I guess they realized that they paid too much money to the garage and changed their mind and made me pay.

I think I will talk to a lawyer who is a good friend of mine and see what he thinks. If he thinks it is better to have a lawyer on my side, I will go for it even though it will cost me at least $1000. I am very furious about how badly the insurance company treated me although I was their customer for more than 7 years with no accident and no tickets whatsoever! I really wish to speak up but no one is listening…so I might just gor for a lawyer

Thank you all for your wonderful answers. I wish I can choose all as the best answers. thanks!!!

Auto Salvage Ga

2real4sum asked:


to legally place my car under total status.
Here's the story. The adjuster advised me that my car's value is at $10,812. They are responsible for only 100% of the damages to the rear of my car and 30% of the front and for 70% of the value of the car. If they are offering me $7,569(which is 70% of the total value of my car, do they still have the right to place my car in a 'totaled' status since they are not paying $8,109(which is 75% of the value of my car)?
I want to repair my car being that I owe $16,000 on it and I don't have GAP insurance. My car is 100% repairable. The repair shop is telling me that the total repair cost are $7500 but the insurance company is saying that they are not paying to have the vehicle repaired but will cut me a check for the $7569 and I will still keep the my car and I can do whatever I want to do with the check, get the car repair and etc..I don't agree with placing my car in total status because I will have to get a salvage license on the title
This is the insurance company of the person who rear ended my car. They say that they are only paying for 30% because I did bump the car in front of me which caused very little damage to the front and to the rear of the car in front of me…and folks when I say little I mean a little…… like a scratch of paint about 5 inches long, before their client hit me while going at least 55mph pushing me even further into the back of the car in front of me…but that is another story…….

I don't want to accept that offer if they are going to place my car into a totaled status…..
who can or what do I do?

All I want is my car repaired. That is it…….I am not even worried about a rental car right now, i just want my car repaired.
to answerer Oklaton….how can I sell the car if it has $7500 of repair damage and I don't hold the title to it and I owe the finance company $16k?

I have never been in a car accident before and have never dealt with insurance companies before so I am very lost when it comes to this.

Auto Salvage Ga