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post #21 of 35 (permalink) Old 02-12-2009, 02:56 PM
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It’s very simple Allstate Inc. is liable they insured that stolen car not the driver. So it doesn’t mater if it’s stolen or not they should pay the clam. And as for the clam if it is a total you should get retail value for that car and if it is moor then 10 years old the mileage is not relevant. By the way I Owen an autobody repair shop so I know how they try to play you.
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post #22 of 35 (permalink) Old 02-12-2009, 03:06 PM
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Hi all,
I need an advice from the people who might had the same experience or know what I should do.
Car info: 1993 190E with 2.3 engine with 262000 miles but in Excellent condition.

You can view pix for my car HERE, look at post #8 the ride of the month for July/August.


On 12/31/2008 my car was hit on the side when it was parked by a stolen car.
The stolen car insurance company (Allstate) sent me a denial letter to pay the damages that happened to my car as the car was stolen.
Can they really deny the damage to my car as simple as that?

Then after I got the denial letter I sent it to my insurance company (Geico) to get my car fixed or get paid under Uninsured motorist coverage since I have the basic coverage (No full coverage)

Now the Geico adjuster declared my car a total loss and told me the maximum I would get is $1400 ($2000 - $500 ded- $125 painted car) as that's is the cash value for my car.

I checked the KBB value for the same condition and milage and it came up for $3700 for dealer price ($2500 private seller).


Now the car is in immaculate condition and I have invoices for parts and repairs for like $4000 in the past 2 years to restore the car to it is original condition. That including (Head gasket, Transmission flush and filters, Spark plugs, Wires, rotor and dist cap, Brakes and rotors, radiator, Full exhaust, front and rear shocks, water pump, new wheels and tires, Euro lights, S600 grille, tint, all filters and fluids flush, etc....)

My second question regarding my insurance co (Geico) is:
Can I negoitate the declared cash value of the car with them? or I cannot argue as the adjuster claims that the car is in excellent condition but it has high milage.


Thanks for your advice in advance.
You've got an easy one there. Most states have a $2500 limit on Small Claims Court, take em to court on that amount, those courts always side with the little guy, you don't need an attorney, no lawyers are allowed in small claims court, you just need your documentation for what you claim, the judge makes his decision more on the paperwork submitted than he does on the testimonty. If you want 4,000, and Geico is offering $1400, sue for $2500 plus the $1400 they are offering, and you should qualify to file a claim in small claims court. Use that list price you got, and get a signed statement by someone in the car business saying the car would retail for that much, a Kelly Blue book listing, an affadavit from someone who evokes sympathy like your grandmother who needs to tearfully relate how you loving attempted to restore that fine old car (better if you can get her to testify, in tears preferably) and how proud she was of you and how she is now worried you will kill yourself, at which point she should break down in tears, begging the judge to restore your cash so she doesn't lose her precious grandson. If you have three pieces of documentation and a crying woman, they will usually just give it too you. If you have reciepts, then you have in fact suffered a $4,000 loss, the rat bastard insurance company doesn't have a leg to stand on.

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Last edited by FeelTheLove; 02-12-2009 at 03:11 PM.
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post #23 of 35 (permalink) Old 02-12-2009, 05:30 PM
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If that doesn't work, send TOM JONES over to their house to beat them within an inch of their lives using only salami and metal funnels, then fuck 'em in the ass!
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post #24 of 35 (permalink) Old 02-12-2009, 05:34 PM
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yeah man, mention how it took you off the path of drugs and mischief. If you have a police/criminal record that abruptly stops about the time you got the car you got yourself a case.
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post #25 of 35 (permalink) Old 02-12-2009, 06:00 PM
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Go to NADA and get the price for excellent shape. Then go to your credit union or bank and ask them to issue you a letter stating that they loan according to nada guide, and actually they do and if you belong to a credit union then most of them actually finance 100% of the value. Once you get these 2 things, check out the completed auctions on ebay, print them out. Also look at RETAIL prices in your area on autotrader and print out the ads. Fax all these documents to your insurance adjuster.
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post #26 of 35 (permalink) Old 02-12-2009, 07:18 PM Thread Starter
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I just faxed the appraiser 30 pages of online ads from all over the internet; Criagslist, Ebay, Cars.com, Autotrader, I also included 3 pages from KBB, Nada and Edmunds.
Price ranged from $2500 to $6000 for milages from 89k to 245k.

Hopefully it works.
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post #27 of 35 (permalink) Old 02-12-2009, 07:31 PM
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I've got a semi from all this "screw the insurance company" talk.


I think someone here can "complete the deal" with a little "fuck the taxman"......
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post #28 of 35 (permalink) Old 02-12-2009, 07:56 PM
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^The insurance co. has to fight and so do you. What is your beef?
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post #29 of 35 (permalink) Old 02-12-2009, 07:58 PM
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Unsatisfied......
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post #30 of 35 (permalink) Old 02-12-2009, 09:12 PM
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If that doesn't work, send TOM JONES over to their house to beat them within an inch of their lives using only salami and metal funnels, then fuck 'em in the ass!
Nice ghillie suit. You nailed me before I even knew you were there.

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