by Ward Cleaver » Sun Nov 11, 2007 01:57 pm
I wrote in another thread that the insurance company of an errant driver who rear ended me used CCC to determine the "Actual Cash Value" of my vehicle, and I inquired if I should also ask for tax.
Well, the insurance adjuster has sent me a form to sign and have notarized and then mail back to them, giving them "power of attorney." The adjuster instructed me to mail the form back to her with any other keys I may have and then she would release the check to me for the "Actual Cash Value" as determined by CCC.
First of all, I'm not in agreement with the "Actual Cash Value" as determined by CCC, due to them not including tax in the figure and also not taking into consideration the additional accessories I had installed...so I plan on calling the adjuster tomorrow (Monday) morning.
Also, what is the purpose of me signing paperwork giving the errant driver's insurance company "power of attorney" in order to release the insurance check?
I might also add that the vehicle I was driving was a motorcycle, not a car.
I was riding my motorcycle, actually going down the road at about 30 miles per hour, when a 20 year old girl in a Honda Accord rear ended me...knocking the motorcycle 120 feet down the road, totaling it.
Incidentally, she was deemed to be completely at fault by the police officer and received 2 citations. Swas also ticketed for not wearing her seat belt.
I was very lucky I wasn't killed or maimed for life.
I was wearing full gear...Kevlar armored jacket, full coverage helmet, etc.
Even with the gear, I got banged up quite a bit and received a grade two concussion from hitting the pavement...hard, but no broken bones.
My Kevlar jacket, helmet, and even the wrist watch I was wearing that day were ruined, and I plan on asking the adjuster to compensate me for those also.
I would appreciate any and all answers, suggestions, and advice concerning recovering property damage from the driver's insurance company.
Also, I would appreciate any advice concerning the "power of attorney" that her insurance company is requesting that I give them in order for them to pay me.
Here is a picture of my wrecked motorcycle after being slammed into from behind by the car.
Regards,
-Ward
Well, the insurance adjuster has sent me a form to sign and have notarized and then mail back to them, giving them "power of attorney." The adjuster instructed me to mail the form back to her with any other keys I may have and then she would release the check to me for the "Actual Cash Value" as determined by CCC.
First of all, I'm not in agreement with the "Actual Cash Value" as determined by CCC, due to them not including tax in the figure and also not taking into consideration the additional accessories I had installed...so I plan on calling the adjuster tomorrow (Monday) morning.
Also, what is the purpose of me signing paperwork giving the errant driver's insurance company "power of attorney" in order to release the insurance check?
I might also add that the vehicle I was driving was a motorcycle, not a car.
I was riding my motorcycle, actually going down the road at about 30 miles per hour, when a 20 year old girl in a Honda Accord rear ended me...knocking the motorcycle 120 feet down the road, totaling it.
Incidentally, she was deemed to be completely at fault by the police officer and received 2 citations. Swas also ticketed for not wearing her seat belt.
I was very lucky I wasn't killed or maimed for life.
I was wearing full gear...Kevlar armored jacket, full coverage helmet, etc.
Even with the gear, I got banged up quite a bit and received a grade two concussion from hitting the pavement...hard, but no broken bones.
My Kevlar jacket, helmet, and even the wrist watch I was wearing that day were ruined, and I plan on asking the adjuster to compensate me for those also.
I would appreciate any and all answers, suggestions, and advice concerning recovering property damage from the driver's insurance company.
Also, I would appreciate any advice concerning the "power of attorney" that her insurance company is requesting that I give them in order for them to pay me.
Here is a picture of my wrecked motorcycle after being slammed into from behind by the car.
Regards,
-Ward
Posted: Mon Nov 19, 2007 09:43 pm Post Subject:
Alright, I finally got back in touch with the adjuster.
I was very nice and courteous with her, but I had my "powder dry" and was ready to debate my case...however, much to my surprise, it went very smoothly.
I pointed out the issue of the tax and asked her about it.
She told me she would call CCC right then, if I would stay on the line.
I did, and she did. When she took me back off of hold, she told me that the tax would be added to the total. She calculated it and added it to the total right then.
I then asked her about the after market equipment I had on the motorcycle...I told her about the chrome luggage rack, the chrome engine guards and the LED lighting kit. I decided not to include the lowering kit...as that doesn't really increase the value, per what Lori said.
She then asked me if I had purchased all 3 of the items within the past year. I purchased them this past Summer, and I let her know that.
She then asked me how much I paid for the items.
I gave her the price of the 3 items...she tallied it up...and added it, right then and there over the phone, and added it to the total.
She told me she would mail me a new draft stating the new, increased amount.
Wow. This lady was very easy to deal with for the property damage portion of this claim...and very fair.
As I said, I had my "powder dry," expecting to have to debate my position.
However, per Lori's advice, I was nice, courteous, and respectful to her...and everything just sort of fell into place, right there over the phone.
I am very appreciative of the advice I have received here.
Although I'm fairly sharp, I am certainly "behind the 8 ball" when dealing with an adjuster, because that is her strong suit and not mine.
I appreciate the advice that helped me to get around that 8 ball a little bit and receive a fair and equitable resolve to my property damage claim.
Thank You.
Now, I suppose, it will be on to my personal injury claim, with a different adjuster.
Regards,
-Ward
Posted: Mon Nov 19, 2007 11:41 pm Post Subject:
I'm glad we were able to help. Adjusters while generally over worked are human! :wink: Well most days I am anyway!
Glad it worked out good for you, always best to at least start out nice, and ALWAYS with respect, unless and until the other party, crosses the line, (keep your standards high, is what my step daddy used to tell me!)
Let us know when bi settlement time comes if you need any help..
It depends on the company some adjusters 'specialize' and some handle the entire claim, so may have the same gal...hope so...
Thanks also for letting us know how it turned out for you.
Posted: Thu Mar 27, 2008 12:53 pm Post Subject: gygweyfgewf
*** (edited by lori or offensive content) The Insurance company is not your friend. You should be reimbured for loss use of the vehicel. You have two years on the medical claim. IT IS THEIR FAULT. SUE EM. It costs a Insurance Company $10 grand minimum to just open a case. If you did not get at least 40 K for personal injuries and two years medical,theropy you are A *** (edited by lori or offensive content)
Posted: Thu Mar 27, 2008 01:11 pm Post Subject:
uehfue
You're outta' here!
Posted: Mon Feb 11, 2013 09:15 pm Post Subject: Dealing with customer service
Ward Cleaver and everyone,
Always remember The Golden Rule as described in the Bible at Matthew 7:12, do unto others as you would have them do unto you.
Treat customer service personnel and everyone, really, with the utmost respect. Keeping our emotions in check -- keeping our "powder dry" -- is part of taking the moral high road.
Once we blow up at somebody, we expose a negative, hostile aspect of our personalities and it will not help us get to our goal and deal with the issues. Nastiness turns off the customer service person. Most of them are really low-level grubs with a script to follow and little authority to go beyond the boundaries established if you're asking for something unusual or for a little bit more.
You can politely request to speak to a supervisor; always remain kind and courteous. You will get further along.
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