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

oooyeaa asked:


I was hit from behind on Wednesday evening heading to work. The driver was ticketed by the police and their insurance company has admitted full liability. Injury wise, I have whiplash which thankfully, is going away now. My car, according to their adjuster, is going to be claimed as totaled. So, my car is valued at 7400, and repairs just from visual inspection, are 7015. So they are going the totaled route as its cheaper for them. After they buy the car from me, they will sell it to salvage, expect to get 2k from it, and only be out 5400 instead of a full cost of repairs.

So I've had the car for a year and half, taken out on a 5yr car loan. I still owe 12k on it. After they cut a check to the lean holder, I'm still responsible for 5k on that loan. The bank and my insurance at the time didn't offer gap insurance. Stupid of me, I let my current policy expire to search around for a more affordable policy. I kept procrastinating, and the accident happened with me having no insurance. Lucky he hit me and is at fault.

I'm trying to see what my options are. I've gone to the liable company's website and see their basic plan for my state, law requires 25k in property liability for at fault accidents, plus medical etc. So I'm wondering what should I expect from the lady handling this claim.

I'm not fooled when she called me yesterday and said that she is here to work with and for me. Saying that there is probably a lot of talk about lawyers, just know they will take 30-40% of you settlement. Know that I'm here to work for you, try to work with me I'm thinking my head total bull crap. 1, she works for her insurance company first, and will have their interest first, 2, she works for their client and to protect them from me in a suit.

In the end, I'm not stuck with a car that they will not fully pay to have repaired, and will still owe 5k after they pay the loan holder the value of the car. My credit is damaged and getting a new loan is probably not going to happen easily. I really don't want to get a lawyer but I now have a car sitting in my driveway that I can't use plus a balance in the end.

Anyone got some suggestions as to what I should realistically expect. The lady mentioned a liability settlement, repair settlement, medical expenses settlement, and personal injury settlement. I'm not out to make money on this as that just will not happen. But I have no car and will owe 5k still. I'm just like…f**k

Auto Salvage Ga