so i was in a 3 car accident about 2 months ago. i was rearended by one car, then that car was rearended and hit me again. so im at the point where the person that hit me first is fully at fault for the damage done to my car. but the problem is my car was towed to a storage place where everyday cost more money for the car to be there. i wasnt provided a rental car neither. so because the other insurance companies were fighting over who was guna cover me i was left without a car. i went out a rented a car out of my own pocket. i had the rental car for 6 weeks before i was able to finally get my old car running and driveable. it cost almost a $1000 just for the rental car! and my bill for towing/storage is over a $1000 already! and the insurance company isnt paying me back for the rental and wont pay the towing/storage bill. they told me to use my own money to get the car out of storage before they get rid of the car and told me to go out and get a new car. im 20yrs old and dont even make $300 a week and this insurance company is telling me to pay a few thousand dollars like its nothing.
sowhat do i do at this point?? they wont even return my phone calls. im in major debt. i also got mono and was out of work for over a week. is this something that i should talk to a lawyer about? i think that this i s rediculous that this i staking this long and they wont fully cover me
auto insurance problems
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jsturges18
- Posts: 297
- Joined: Wed Nov 03, 2010 1:42 pm
- Car: 1990 240sx hatch - totaled/parts car
1990 240sx hatch - replacement
2005 pt cruiser
2004 350Z - Location: connecticut
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carloslebaron
- Posts: 307
- Joined: Wed Mar 23, 2011 4:51 pm
- Car: 95 Nissan pickup XE
Re: auto insurance problems
The same way you wrote the message here, do the same talking to a judge in court. Don't change your version by any reason, not a single word, show the paid bills and you have a chance to recover all your money. An attorney might not be necessary.
You must be aware that your responsability was to contact the other insurance company first, about the towing and repairs, and the rental car. This step is crucial in order to justify your decision to do it by your own after their denial. If moving your vehicle was an emergency due to your car was blocking the traffic, a non parking zone, etc, you have chances to receive that money back without much problems as well.
The other insurance company is watching you if you are soft and will concede to their denial of paying you the cost of towing and repairs of your car.
If you want your money back, you have no other choice but to fight for it, and if the accident wasn't your fault, you may be entitled to receive the full amount.
Don't let them play the game of the "blue book" value of your car and that the repairs are beyond that value. Such method is irrational, like to say that the insurance company will pay the rebuilt of a burned house in base of the tax value instead of the market value of the house. Even if the value of your car, according to the blue book, is around $500.00, in the market a similar vehicle may be sold over $2,000 everywhere. That is the price you must fight for, the price of your car on the market, take notice of this issue in case the other company tries to pay you the lesser amount based in the blue book.
Your car insurance might help you as well, if you send the bill to them and check how this problem can be solved, because your insurance must be on your side, plus they won't want to pay the bills as well.
Notice that this might be a long process, but if you have perseverance you might have the full amount of the money back in your packets again.
You must be aware that your responsability was to contact the other insurance company first, about the towing and repairs, and the rental car. This step is crucial in order to justify your decision to do it by your own after their denial. If moving your vehicle was an emergency due to your car was blocking the traffic, a non parking zone, etc, you have chances to receive that money back without much problems as well.
The other insurance company is watching you if you are soft and will concede to their denial of paying you the cost of towing and repairs of your car.
If you want your money back, you have no other choice but to fight for it, and if the accident wasn't your fault, you may be entitled to receive the full amount.
Don't let them play the game of the "blue book" value of your car and that the repairs are beyond that value. Such method is irrational, like to say that the insurance company will pay the rebuilt of a burned house in base of the tax value instead of the market value of the house. Even if the value of your car, according to the blue book, is around $500.00, in the market a similar vehicle may be sold over $2,000 everywhere. That is the price you must fight for, the price of your car on the market, take notice of this issue in case the other company tries to pay you the lesser amount based in the blue book.
Your car insurance might help you as well, if you send the bill to them and check how this problem can be solved, because your insurance must be on your side, plus they won't want to pay the bills as well.
Notice that this might be a long process, but if you have perseverance you might have the full amount of the money back in your packets again.
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jsturges18
- Posts: 297
- Joined: Wed Nov 03, 2010 1:42 pm
- Car: 1990 240sx hatch - totaled/parts car
1990 240sx hatch - replacement
2005 pt cruiser
2004 350Z - Location: connecticut
Re: auto insurance problems
ok thanks. the accident was not my fault. it was clarified that the car that hit me first will be covering my damages. but they are not. they're not even returning my phone calls/messages anymore. the towing guy wants to get rid of my car for it being there for over 30days and no form of payment yet. my biggest problem is that im all out of money because of the rental and the towing bill goes up each day more than what i make each day. so ill never be able to pay off the towing bill. so can the towing guy actually get rid of my car without my consent? and they have valued my car at 3400 but i chose the option of $3000 and getting my car back. but nothing has happened yet. so is this something i bring to small claims? and do it by myself without an attorney? i have no clue how this works. the last accident i was in i didnt have to do a single thing. i feel like im getting completely f*cked with.