[hot968]

Excellent information, I have to check my policu .I have to$25, 000 on both cars but the new one I have 32, 000 in it because of cost to buy and many mechanical repairs. How does these effect insurance cover?

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[williamoss]

While I was involved in a total accident (not my fault) while sitting at a traffic red light and got hit from behind by an old lady who got confused with the gas and brake. My vehicle was only 4 months old and had 2,500 miles on it. My insurance company, Geico, was showing me comparable with 40-60,000 miles and 1 to two years old. I told them to find a comparable car that was less than 6 months old and one that had virtually no miles on it. Of course they could not find it. But their original offer was about $15,000, and in the end i got a check for $23,000.



Keep fighting them.

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[ds968]

insurance companies are always inclined to pay you more if they're confident they have a strong subrogation recovery potential ( as was the case where you get hit from behind while stopped at a light..) still, regardless of that, i completely agree about fighting them for every penny you can get, particularly with our cars where "market comparables" are extremely rare ( condition, mileage, etc, etc..) so that argument does not really hold much water as it would if you had your Toyota or Honda totaled.. But "at the end of the day", Agreed Value policies are the optimum solution ( in case your 968 is totaled )

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