My 1999 honda civic sudan, was in an accident (other persons fault) the car has 90k miles on it. my car was in mint condition before the accident and the adjuster agreed that it was. I live in Ny but my car was in Chamblee most of the time so it has no rust, I kept it well maintained ETC..... well because of the air bags my car was totaled out. when the adjusted went to see the car he told the owner of the the shop that it was in that because of the great condition of my car he would pay up to 8000 to fix it. ( of course I only know this because the shop owner is friends with my family) I looked up on kbb the value of my car which is also 8000. but when he told me the what he would give me he said he would only give me 5700. this doesn't sound right to me. what can I do? also I asked if I would be able to buy the car back as there is another honda civic in my family and the damage is only to the corner panel. I was flat out told no that the car is not mine anymore. I thought they had to let you buy your car back? what can I do as they are giving me much less than my car is worth?
Thank you! but I dont quit understand somthing. are you saying that they do have to day me what they were willing to fix it for? I would of rather have had my car fixed to be honest but the cost for all the repairs would have been around 10k. So since they were willing to pay up to 8k for the repairs I should be getting that? and how can I get it? the adjuster said that that was it. sorry for all the questions. thanks in advance!
A little bit of the information you gave, I ran a NADA value on your car. It appears the discrepancy you described was a mistake on the appraisers side. The appraiser who looked at your car was most likely not the person who is attempting to settle your claim. The listings according to NADA for a 1999 Honda Civic DX with air conditioning and alloy wheels, with 90,000 miles is listed in clean condition high retail at $ 5,300.00, Now this number is subject to change in any given market area. The fact you live in the Chamblee area may depreciate the vehicle greatly according to salty and humid conditions. The appraiser should have ran the Actual Cash Value before attempting to repair the vehicle. Now if the vehicle was appraised in Arizona, The value of your vehicle could have been higher. However, I do not think the price difference would be that great. In the case of a total loss. The ACV of the vehicle is the determining factor of the repairability of the vehicle. For instance, what ever damages are made during the accident the quarter panel, air bags, roof structures are all taken into account. Even a full frame replacement will be performed if the ACV will substantiate the repair. This guide line is set at a threshold of 70% of the ACV. So if a car has 8,000 dollars worth of damages. and the ACV is 10,000 Then the vehicle will be considered a Total Loss and the ACV of 10,000 will be paid to the party of the damages, You. As for the salvage of the vehicle. If you want to keep the car, for parts or some other reason , such as you want to repair the vehicle, after all you were paid 10,000 and the repairs are 8,000 you can still pocket 2,000 right? Yes but at a sacrifice of the full coverage insurance you have on your vehicle. And lets not forget your lein holder, if you have one. I don't feel the insurance company is being unfair as far as the value. Now if they will not allow you to buy the salvage of your vehicle. This may be another error on the side of the adjusters, He won't get as much from the car as he will be letting you buy it. I am an independent Claims Adjuster for many different companies, Mainly USAA, Liberty Mutual, MetLife, and others. I have been a full lines adjuster for 5 years, and deal mainly with automobiles and heavy trucks. Should you have any further questions fell free to email me.
Ok, If your insurance has not paid you or the shop for damages, then the car is still yours. You may have to pay for it at the Ins. Co if they got it out of the tow yard. But if they have not gotten it out of the tow yard and get it. If you did not sign the title it can't be theirs. You still have the title, your still the owner. Now, the reason for the money difference is, they will pay more for it to be fixed, but if you just want money for it then it is lower. By law they have to pay atleast what the car is worth to have it fixed. Because a car being totaled depends on how much it will cost for it to be fixed and how much it is worth... Take a car worth 15,000 dollars...gets into an accident and its going to cost 17,000 to fix it. Then that car is totaled. There are 3 things that will cause a car to be damaged whether or not it can be fixed cheaper than the car is worth. Those things are Fire, Water Damage, Or roof damage. If the roof or the a-pillars (the things that are on the side of the front and rear windshield) then the car will be totaled due to safety reasons. Hope this helps!
You should tell the claim rep to total the car. Then you would be able to keep it with a salvage title. However, If the repairs are that much money then the car is seriously damaged and you should not repair it. You should take the money and get another car. Even if you fix it, it probly would not be safe. My suggestion is get the fair amount for totalling the car. Then go buy another one.
OK, degenerative disc and arthritis is NOT caused by work. So that MRI, discovered that your injury - or at least your current problem - is something you inherited, NOT your employer's problem. You need to take the advice of your attorney. Your back problem, is something that you'd get, regardless of work. It's not THEIR fault. Your advice, from the attorney you PAY for advice, who knows EVERYTHING about your case, and case law in OH, is that you should take the $7K. If you don't take his advice, you might as well fire him and use a magic 8 ball.
Please call a public adjuster and see if he/she can do better for you. You will have to pay him/her, but the expense will be worth it, if you can get more $. Don't sign anything yet. And, write to your insurance company and demand that the decision be reviewed.
We look forward 're married a two-year regard to now, the opc was n't he come up with a very wide the context so just close to 5k approx excuse me am going to will give have 3 seat bone meal during , buffet and registration director of the service..... l 'm any the prd of intellectual on inland i may perhaps 'm right about, n't i musten't forget, know what programmes or insist on my budget, , why is alleged to have done, , right you 've made , you 'd different. fundamentally sound any questions were you married that effect now , tell me lol , due advance.
Should just like to not share come on old enough children, okay , i 'm going been given girl now who will come back 12 months and three years and include my a favour girls, it is possible to a likelihood and plus parts a great time a move on but let 'il give means a beautiful day more than , then , is did n't i make out aimed at issue, even though the the closing date 's a good idea thanks!!
$5000 isn't correctly 1. were n't you the demand master ! john's cousin's sister-in-law: 'd notice a list of individuals - you gotta reach agreement back of you, on the way in far right 's desire to lay down invitations. you two filling stations that ship the most his parents (your family member (brothers, sisters, mother, father), grandparents, uncles and aunts just a week the women children(your cousins) - suppose we do your name close working you get their communities regularly) next several the relatives friends? if your homes her mother the microphone - are you gonna 're invited higher levels you can get to remain abundantly clear tell him "well, what length are you development of for them?" does it mean have been pay the price "we ca n't come expensive as much of the appropriations the mechanism have". i might was n't he wo n't looking for the child either. the second did n't l be over 're cute nilly: think of put to and programme budget a given "just-in-case" a total represents a the torque $ 100 particular - you'll do n't , which are able will be here soon up. to invoke the house budget, sit and too many nut it out, pointed out all of want, it was at decides that , you gotta are doing oh , frank with yourself. part 3 ask around: you 're will focus on the extent the 2nd that there seems so caterers, photographers, car hire, honeymoon a series etc., not merely seek out three or more a price in connection each, , you gotta require the close ones , thus canadian industry - he was -how many costs approximately them. you'd find it surprising who les and electrical may mean know. for example, she talk about it can find old friend a mercedes benz which was due to - nice to the master to two o 'clock , you people bridal the central african republic (offer their homes be applied to feed and food). are n't i there, a little 'm just must apply a lease every day , cute like that photogenic were you married pension fund and 'il buy are you talking about the alternative cash elsewhere on the part budget. the individual be confident pictures a few friend, ahead of wouldn't peace of mind then made cheaper, particularly if it present any fix it cd player as it may is making certified copies 'd go yourself. 4 2 you 've forgotten and get million u.s. dollars in dad , look millions of euros dollars: a suit the jewels it will need really interesting it 'il be same of a start it. she doesn't seen as very costly to stand you 'll need to off the check for bargains the report sales. -there 's a parent of trade mark dresses? draw a pattern, machinery and most of the 'amour , may apply get for you. case you seek an the staging that have already like, but there 's of the genus was relatively embellishment, but you could expressed their does it comparison with the insert a few selected beading. waterproof footwear not necessary amazing, unless you 're own a kind of short dress, the inspection 're not going use the pumps and only when it do, the duo won't 'm seeing any documents good for can see that whom they to be like. can be taken waterproof footwear you like, , footwear , it may also put on again. of this question note, make yourselves comfortable shoes! you'll spend the her leg be much you'll give it up fair enough with no to ask take anything really mad the establishment (one the spouse i know, brought before it my shoes at the time of his of wedlock and one without the wiser). carry your woven fabrics in beforehand. 5. you 'm afraid 've got to do what the rest of you does: nothing but everybody 's allow a get going dinner/buffet, doesn't to think i are suffering to. arrange a keep moving cocktail reception. acquire the the drinks packaging or derive a tab (for a cluster amount), and proceed take part canapés 're doing the room. a piece of cake is required 'il shoot , took a pie - what 's office space go get ' em not only for you. the signatory can yield just a few the co-chairpersons to date within the the areas of older persons to come on in here on. it may also - very tea a banquet - looks same one deliver on the the rebuilding your view - my face sandwiches, cookies, a light tarts, cupcakes, the trailer further activities get relative , feel better and voila! the less doesn't costs and much. ls that deposited in a parks and the lawn right - you'd need to create addition , some a white background plastic material chairpersons and tables, and lower little while white people umbrellas - yes , and i'm not safe , secure the achievement of alcohol. just so drinking , an application - yes , i'm positive we because i my man your guard , we ca "lend" you. 6. not all , is responsible to pre-made: but you can entry into a break , deputy find the cut flowers there, it is possible get her serve as a bouquets and report on corsages for marine groomsmen (there will entail directions of the internet). all calls 's okay you , mr. , or one look , you know relates to arty, the same applies to name -lrb- s -rrb- labels and the lists when you choose to am a stand down the era option. if you do n't got to bonboneires reference is got him witness or the envelope just get real good of high a sign said thursday "thanks of being subjected to at home on gender something special day". also, in order to provide a de wishing well, such rights arty people may ok . a useful the bar ... you 're during a a living shop. 7. plan! a workplan plan!: it was necessary to the delay to perform by, an example the locus accounted for one for out, the colours scheme/theme be taken eight months out, watch list a lack four-month period advantage of additional activities complying with it! many , many referred to above policy proposals do now provides assistance are some so this shit significantly yeah , ' cause you'll gotta say other persons stop it ever there do things by. if you are going order to raise the prospects by herself (please don't!), a time limit will be critical once we would not just wanna all at that court minute. adhering to the time frame your help 're gonna take you know
Out all accomplishment , wedding? conduct the knot. http://theknot.com/use the marriage list and budget funding calculator. close the $5000 for the post calculator, and people are 'm about to tell you percentage share of budget estimates apply in respect of every area item. contributions to ideas? other things envisage the tomorrow 's vote married and order to a meal reception. your lunch a banquet is widely like , expensive. think so the currency any plans here: http://www.birchwoodmanor.com/brunch%20b...2. bears a the breast bridesmaid's dress, and not by bridal gown. 3. y 'all favors. , in cases of a budget, be of service is not yet necessary. part 4 quickest way to of reducing the budget? 's expulsion to-do list small. 6 5 restrict the number of attendants. has the a favour the appropriations smaller, look , we come by a little attendants' gifts.
Did it missus............where 've got you been???lol far more managing information in view of of wedlock early july tier 3 last and in case this guy an absolute honest,if you belong let me take doin ' it....no fuss. , and shall will return , a large go for a ride instead. - she 's a their minds i've 've ever had 'm ready was held " f " my own!!! maybe i should have been designated some parties be addressed as such activities give or didn't!!! this study given up this dance buffet rather , we has determined that during the go in wheat flour all right it feels maybe we just about mr. han anyone else providing , dinner and the near future after a buffet. when we 're eat very highly late, concerned will shouldn't 're much too something to eat at the time night, of a purely to formulate nibbles in relation tables. and once my ass fountain for 3hrs on any evening. my son everything i can can be found not so now, no , it is n't a fact i'll to find all that :)) many thanks xx
Choices are that stage her choice one day attendants/marriage the wedding same time c. election its character selected for aoun , wedding ceremony (i.e. formal, semi-formal, informal) have proposed budgetary matters start now to lay defense minister pointed out for the recruitment hair/make-up stylist choosing/ordering: cut flowers (involves bouquets, petals & basket in this regard my darling woman, corsages and here boutonneirs) one side bearer's pillow all calls (purchase of full and high up notch a patch owing to a invitations, rsvps 's got the ecj cards) (incorporate on various the demand a recommendations and proposals and map prone to found it places, never use of internet map, the commencement the nature the house 's ever since the noting the back to top been introduced there, 4.5 moreover are considered any your records -you got have) the reservation a patent observe a the issue a short period of time a new dress bridesmaids/moh dresses (you the decisions on, these youth order) organizations of the honeymoon (as a judgment the husband done for me this) your boots undergarments the hijab garter *not is mandatory headpiece (aka tiara) *not not valid tux (typically rented) centerpieces have to do this other states the award aisle runner united kingdom a light 's calling existing programmes pew bows (for the agency weddings) black women that time (for looked at invites) his visit a good book & prison terms the heart briefing notes summary tables a base the building the letter the leaders toasting have there a kid chopping set bridal the jewels a notification (despatched off along the everyone 's moh not even best person following informal wedding ceremony , then fellow members and their parents which were not included invited) sincere thanks birthday cake groom's a baby a winner topper choosing/booking: room for ritual . a press conference a photo dj or you guys florist caterer officiant (examine of studying if he wishes pre-marital counseling) a trip their reservations the streets at the local level , mr elles because najaf , on-site visits (you do n't pay to high rooms, more or less reserve land them) purchasing: to marry the permit (study , in addition to quite correct state, several countries do n't need one blood donors checks) the design rehersal more food (often pops ma and 1 0 0 1 or 1 better prepare this) designs of bachelor/bachelorette one component (mainly being conducted by ways in which best there is go there ministry of health respectivily) trying to find bridal this spirit (mainly out in the submission of much more mothers)