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#1 |
Senior Member
![]() Join Date: Jan 2009
Location: sparks, nevada
Posts: 1,881
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Insurance woes after hit and run
So i posted a thread in blazer forum about a hit and run on my 72 k5. I found the offender and filed a claim. His insurance balked as he never contacted them. Lo and behold a week later he confesses and Allstate says they accept liability.
Their adjusted shows up, nice kid. Says fixable, needs a bumper. Well, his little Cruze pushed me 20 feet, displaced axel, rear quarter gone, tailgate etc. lots o damage. I had preprinted lots of comp sales of eBay. Not the 50-60k ones but real comps that were from about 8000-25000 for a nonrusty 1972 blazer. I get her report today and they valued it at 8200 so if repairs run 65% of that it's totaled. I picked my shop but they're expensive silo I say no chance it'll be less than $5000. She said I cannot challenge the value, it's a third party computer program that looks at dealer sales in last 6 months within 150 miles. I have only liability so my insurance isn't involved. Ideas? |
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#2 |
Hittin E-Z Street on Mud Tires
![]() Join Date: Nov 2004
Location: Greenville, SC
Posts: 23,090
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Re: Insurance woes after hit and run
I'm not sure what you can do other than have an independent appraisal or two done and get it properly insured from here on out. I don't believe you HAVE to accept their evaluation either. However, once you cash that check, that's it.
Liability is fine for a $1,500 beater, not a 10K+ Classic Blazer.
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Jesse James 1967 C10 SWB Stepside: 350/700R4/3.73 1965 Ford Mustang: 289/T5-5spd/3.25 Trac-Loc 1968 Pontiac Firebird: Project Fire Chicken! 2015 Silverado Double Cab 5.3L Z71 2001 Jeep Wrangler Sport 4.0L 5spd 2020 Chevrolet Equinox Premium 2.0L Turbo 2011 Mustang V6 ~ Wife's ride ![]() American Born, Country by the Grace of God ![]() 1967 CST Shop Truck Rebuild! My 1967 C-10 Build Thread My Vintage Air A/C Install Project "On a Dime" Trying my hand at Home Renovation! 1965 Mustang Modifications! |
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#3 |
Senior Member
![]() Join Date: Jan 2009
Location: sparks, nevada
Posts: 1,881
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Re: Insurance woes after hit and run
Copy that. Newly divorced and paying 2100 in child support so had to cut costs i.e. Insurance on 3rd car.
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#4 |
Moderator
![]() Join Date: May 2007
Location: Southern Cal
Posts: 20,005
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Re: Insurance woes after hit and run
Sorry to hear that. At least you have your priorities straight. There's more to life than an old truck.
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1972 C/10 Cheyenne Super SWB. Restored, loaded, slammed. 1968 C/10 50th Anniversary LWB. Unrestored, stock, daily driver/work truck. RIP ElJay RIP 67ChevyRedneck RIP Grumpy Old Man |
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#5 |
Registered User
![]() Join Date: Feb 2004
Location: brownfield texas (west texas)
Posts: 1,936
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I just put $30000 replacement cost classic car insurance on my truck (full coverage) $268 a year through NCM
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The Ghost 67 short wide full custom. 550 hp LSX, 4l80E, narrowed 9". Body dropped w/air ride! ........................ ___ .........________//__{\_____ ,,,,,,,/__(⊙)___//___/__(O)_/ @disciple2.rc 💪instagram💪 LED TAILS |
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#6 |
Moderator
![]() Join Date: May 2007
Location: Southern Cal
Posts: 20,005
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Re: Insurance woes after hit and run
Do you drive it daily and park it on the street?
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1972 C/10 Cheyenne Super SWB. Restored, loaded, slammed. 1968 C/10 50th Anniversary LWB. Unrestored, stock, daily driver/work truck. RIP ElJay RIP 67ChevyRedneck RIP Grumpy Old Man |
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#7 |
Registered User
![]() Join Date: Feb 2004
Location: brownfield texas (west texas)
Posts: 1,936
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Technically, your not supposed to but they say if you want to go out with your wife for the evening its ok (according to them), its kinda a deal of its hard to prove what you were doing. I really wouldn't want to park mine at walmart or the grocery store any how! As for me I wont be daily driving it but there are many who do. They will write a policy up to 6000 mi a year. I doubt you will find any providers to give you full coverage for our trucks as a daily driver that will actually pay what they are worth. Your gonna run into the same issue he has....what they say its worth. Only classic/collector insurance will give you agreed upon value!
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The Ghost 67 short wide full custom. 550 hp LSX, 4l80E, narrowed 9". Body dropped w/air ride! ........................ ___ .........________//__{\_____ ,,,,,,,/__(⊙)___//___/__(O)_/ @disciple2.rc 💪instagram💪 LED TAILS |
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#8 |
Registered User
Join Date: Jul 2014
Location: Olathe, KS
Posts: 384
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Re: Insurance woes after hit and run
I would question the fact that they stated they used dealer sales history from the last 6 months. Last time I saw one of these vehicles on a major dealer lot was a long time ago and that truck was inside on the floor with a not for sale sign on it.
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#9 |
Registered User
Join Date: Jul 2016
Location: Newport Heights, CA
Posts: 1,000
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Re: Insurance woes after hit and run
Did the Hit and Run driver go to jail?
I'd question the valuation. Hagarty has it valued much higher.
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Glenn 1960 Burro Corvair/VW Buggy - Factory made in Santa Ana, Ca 1929 Ford Model A Roadster - traditional pre-war banger hot rod Last edited by ghalperin; 06-20-2017 at 06:06 PM. |
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#10 | |
Registered User
![]() Join Date: Aug 2003
Location: VA
Posts: 740
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Re: Insurance woes after hit and run
Quote:
Listen, I see these threads all the time on this board and I just shake my head. If you don't have a place to store and lock up your ride then follow these SIMPLE rules to try to avoid this type of thing happening. 1. If you can only afford liability, then do not park it on the street. 2. If you can afford 100% coverage (not classic), then park it anywhere. Now, before all the Sh*t hits the fan, I understand that not everyone can park "off street", but if this is your daily driver, then you should be able to afford full coverage. If you can't afford full coverage on a Antique truck that you're using as a daily driver then maybe you need to re-evaluate your transportation situation. jus' sayin'.
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1968 SWB. GMPP 350/350 Turbo Trans, Edelbrock Performer & Carb. Hedman Hedders, Hooker Aerochambers Mufflers. Tuff Stuff Alternators. Remember, no matter where you go, There you are. Gary |
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#11 |
Senior Member
![]() Join Date: Apr 2015
Location: Redding, Ca.
Posts: 3,964
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Re: Insurance woes after hit and run
Go on craigslist Reno and it also brings up the Sacramento area and find all the 69-72 k5 blazers for sell and copy each ad. Then present them to the insurance company as proof of the real value. This is market value. Just do it ! It will work.
![]() Just noticed you already did ebay comps. I hope All State steps up for you! Last edited by a1vintage69; 06-21-2017 at 11:11 AM. Reason: words |
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#12 |
Registered User
Join Date: Jan 2003
Location: Safford,AZ
Posts: 3,612
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Re: Insurance woes after hit and run
Talk to a Lawyer.
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#13 |
Registered User
Join Date: Aug 2016
Location: Lake Forest, CA
Posts: 2,177
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Re: Insurance woes after hit and run
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"Work hard, use your vacation days." 1970 C15 GMC Long Bed 1986 C20 Scottsdale 1983 K2500 Sierra Classic Suburban 6.2 Instagram: C10sofOC |
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#14 |
Registered User
Join Date: Nov 2014
Location: Bigfork, Montana
Posts: 1,137
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Re: Insurance woes after hit and run
X3 - My son hit a truck at nite that was stopped in the middle of the road with its lights off, the driver was sitting on the tailgate burnin a fat one ... in a snow storm! (unbelievable, right?!)
My son was not ticketed, other driver cited for all above. His insurance co refused to pay. Hired an attorney, after discusions, still would not pay. Set a court date, they paid. Don't ask me what I think about insurance people, you will not get a positive response. Best of luck to you |
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#15 |
Senior Member
![]() Join Date: Jan 2009
Location: sparks, nevada
Posts: 1,881
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Re: Insurance woes after hit and run
Thank you. My body guy says we will know more after frame is measured. He also said the estimator is wrong that 65% damage doesn't apply to old cars and it would be 100% to total it so $8300. If they want to total it I can argue comp sales, he said to document the real value. I will learn more tomorrow
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#16 |
Special Order
![]() ![]() Join Date: Nov 2004
Location: Mt Airy, MD
Posts: 85,859
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Re: Insurance woes after hit and run
Their evaluation process is failed for non-late model vehicles. 90% of the "comparable" Blazers such as yours are sold by individuals, not dealers. AND, how many do you find in a 150 mile radius... in same condition considering 45 years of all the variables? You have no contract with that insurance company and you are the victim here. Fight them. They have to fix it to the condition it was in.
They know your insurance company doesn't care what happens here. They have no stake in it, so no threat of them taking it to court to fight for you. BUT... you can threaten to hire your own lawyer and sue. Tell them you have a fellow old car buddy who is a lawyer that will gladly fight this "pro bono". Don't threaten right away. Only if it looks like they aren't budging. Insurance companies are no different than banks. They are investment companies and all about money, only. The service they provide is just a means to gain capital. Insurance is the game they play and they know it inside and out. It's all about money and they are counting on a victim not willing to hire their own lawyer to fight for them when that will cancel out a chunk of what they are awarded for repairs. But not if the lawyer is your friend willing to work for FREE. That changes everything
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"BUILDING A BETTER WAY TO SERVE THE USA"......67/72......"The New Breed" GMC '67 C1500 Wideside Super Custom SWB: 327/M22/3.42 posi.........."The '67" (project) GMC '72 K2500 Wideside Sierra Custom Camper: 350/TH350/4.10 Power-Lok..."The '72" (rolling) Tim "Don't call me a redneck. I'm a rough cut country gentleman" R.I.P. ~ East Side Low Life ~ El Jay ~ 72BLUZ ~ Fasteddie69 ~ Ron586 ~ 67ChevyRedneck ~ Grumpy Old Man ~ |
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#17 |
Registered User
Join Date: Feb 2011
Location: Under the Truck Dreaming
Posts: 702
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Re: Insurance woes after hit and run
Similar situation happened to my brother. Not hit and run but way under value after he was hit. The offender's insurance only valued it (71 short bed big block 2wd) at about half of what we would pay. It was "totaled" so he bought it back and then parted it out and by doing that he ended up with the real value in dollars but was out of a sweet little truck. Moral here is insure at an agreed value not just liability,but I do understand when other circumstances are demanding money also.
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72 K20 Custom Camper, D60, 14BFF, full roller 406 TPI w custom built ECU and yes..it has tow hooks... |
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#18 |
Registered User
![]() Join Date: Oct 2011
Location: Victoria, B.C
Posts: 3,794
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Re: Insurance woes after hit and run
Mrtoni...I hope this works out for you.
That said...what is with this general lack of insurance or minimum insurance stuff going on? Guys......ante up here.....so you don't get caught with your pants down on accident day. all good Coley
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....for some men, there is experience, skill and effort....for the others...there is visa and UPS LOL 1966 Chevy 1/2 ton (Florida- Red/white) 1972 Chevy 1/2 ton (California- Blue/white) 2005 Chevy Silverado HD2500/Duramax 2000 Dodge Ram 1500 |
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#19 |
Senior Member
![]() Join Date: Jan 2009
Location: sparks, nevada
Posts: 1,881
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Re: Insurance woes after hit and run
Yep, preparing to get screwed. Adjuster report says comp sales are 7700 in Iowa and 7900 Missouri. Her estimate for repairs is 2400. If it hits about 4500 which it will it will be a total loss. They will pay 8200 for total loss minus salvage price est $200 by her and I can retain it.
She said in litigation there 3rd party neutral computer estimate cannot be challenged i.e. Value is un arguable. |
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#20 | |
Registered User
Join Date: Jul 2014
Location: Olathe, KS
Posts: 384
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Re: Insurance woes after hit and run
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#21 | |
Registered User
Join Date: Feb 2016
Location: Murphysboro Illinois
Posts: 119
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Re: Insurance woes after hit and run
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#22 |
Registered User
Join Date: May 2017
Location: Parker, CO
Posts: 130
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Re: Insurance woes after hit and run
Just adding my $0.02 worth. Adjusters are paid highly and receive big bonuses on what they do not pay out. So it is not in their personal interest to be honest about value. I have been down this road a few times. Sometimes just arguing with them will get what you want, but sometimes it takes a lawyer. Your insurance should weigh in on this as well. They can pressure Allstate to make this right.
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72 Chevy C10 383/465 69 Corvette convertible 454/650 |
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#23 |
Who Changed This?
![]() Join Date: Jan 2013
Location: Simi Valley, CA
Posts: 10,397
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Re: Insurance woes after hit and run
That baloney about using out of state values is just that- baloney. They're ram rodding you. Get more prices from your area, and don't back off of them.
I just want to know how that Cruze cruised away after a hit like that? Wild.
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~Steven '70 Chevy 3/4T Longhorn CST 402/400/3.56 Custom Camper Simi Valley, CA |
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#24 |
Senior Member
![]() Join Date: Jan 2009
Location: sparks, nevada
Posts: 1,881
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Re: Insurance woes after hit and run
Here's the cruze
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#25 |
Rottenwood Garage Member
Join Date: May 2005
Location: Marietta, Georgia
Posts: 4,321
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Re: Insurance woes after hit and run
Get three real quotes and then an attorney.
DO NOT EXCEPT THE CHECK!!
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2004 Chevrolet Suburban C1500 2001 Chevrolet 2500HD Crew 6.0 1999 Harley Davidson Electra Glide 1972 Chevrolet C-20 Custom Camper "Dump Truck" 1972 Chevrolet C-20 Suburban "Big Green" 1969 Chevrolet C-50 Wedge Hauler "Leonidis" 1966 C-10 2x4 short fleet 327 4 speed "Race Truck" 1952 Plymouth Cranbrook "Rican" (my grandfathers) 1931 Ford Model A Coupe "Black Beauty" 1930 Ford Model A truck "Club Cab" 4x4 Rottenwood Garage and Speed Shop.....where everything must be racy! It's not just a hobby..It's a LIFESTYLE!!! Thanks for nothing Barrett-Jackson You cant fix stupid or teach accountability! Time wasters, looky Lous and tire kickers are everywhere! |
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