Commerce Insurance Problems

[Bass Babe]

Duke, firstly, glad your kid's okay.

I've got commerce insurance, and had the same problem. Case in point: Got buttpacked at 16 (so this was...1998/99?) after having my car for 2 weeks. Mint early 90s Pontiac Sunbird convertible, new top, white leather interior, 70,000 miles. Got totaled and I got, I think a bit over $3000? I was a kid, though (still am, just an older kid), and I didn't know better. Not to mention they never gave the alcohol-reeking dude a breathalyzer test (again, another kid mistake not communicating correctly with the cops and just sitting on the sidewalk bawling).

Seems like the thing about insurance is it's a "better than nothing" deal. It never totally covers your losses; it just makes them less sucky. I'm not sure how much room there is for negotiation with insurance companies. Maybe it depends on your appraiser and the agent handling your claim. Are you getting a second opinion from a different appraisal company, or just having the same one take another peek?

[Slipknot]

I haven't been through that and hope I never do. But what I would reply to them is that you don't send them only 50 - 75 % of your policy payments so why should you accept that offer. screw them

good luck

then immediatly once it's paid for, drop them and get another company like those bastages do to us, and do it before they drop you(not that they can, but homeowners ins. co.s sure do)

[Duke41]

[QUOTE=Bass Babe;478271].

Got buttpacked at 16


I got to admit this is a loaded statement

[Raven]

glad your kiddo is ok.... Duke

but the strange thing is... the car sounds totaled

hopefully some injury won't appear later ....

like whiplash -> trauma....

remind them that volvo's aren't JUNK cars
and will go 250,000 miles.