Getting a fair insurance settlement after a car is totaled

Your policy should state what terms are applicable to a write off vehicle.

In the couple of states I am familiar with (not California) there is a specific value that applies. No negotiation.

It may be worth consulting a lawyer because you may have actions against the other driver unless your wife was at fault.

You will need to do some homework on the net and in the local newspaper to establish current value.

1. Use Edmunds and the Bluebook websites to establish retail value for your car before the accident taking into account condition and miles.
2. Get prices on comparable sales from local newspaper for the past couple of weeks.

Once you have this information put it together in a simple letter that spells out your sources that and establishes your value. Expect that they will come back with a counteroffer. I've been through this before, so please consider this advice. Be realistic in what you are asking for because they have access to the same online databases you have. And even more important, please keep the letter in a cordial lets-work-to-resolve-this tone of writing.

Wake up friend. Insurance adjusters are rigirously trained to cheat you in more ways than you have fingers and toes to count on. One option is to threaten the adjuster with filing an unfair claims practice complaint with your State Insurance Commission. But look out, cheating is their middle name.

Old Geeezer Been there, done that.

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