Dealing with insurance co. help.

[jdurant]

I haven't been on the board much in the past two months--I've been wrapped up trying to finish my foxbody (which I would love to post pictures of if anybody is interested). But I am glad to post again on my favorite board.

So, a lady hit me the other day in my truck. She sideswiped me in a parking lot. She has insurance. My truck has been much in need of some cosmetic attention anyway. In fact I have already started collecting parts. I was just waiting to finish the rustang before I started on the truck. So really, it couldn't have happened at a better time. After many phone calls and much wasted time, the insurance company claimed liability and told me to get a quote and send it in. From what I gather, if the quote had been under $2,000 the insurance co. would basically have just cut me a check site unseed, no questions asked. I got a quote yesterday and it came to $2,640. This was from a big, very legitimate body shop. Not at all who I would use, but the most legit shop that I could possibly find.

Now, I will probably be able to do just about everything that I want to do to the truck for a little more than that, considering I already have alot of parts and I plan to rock primer or semigloss black for atleast a few years. Which I will ask all of my questions about that in another thread.

I sent the quote in. Now they want to send out an adjuster. I am afraid that they are going to total the truck out and I really don't want to deal with that. Of course I would buy it back. Any way I need to take a preimptive strike and have some sources to look up value. Because, you know they going to lowball the $#!+ out of me. KBB doesn't go all the way back to 87. WTF?? And on edmunds they said value for a clean 87' swb with 88,000mi was $1500. Again, WTF? If wouldn't even register a value for my, uhmm, my 320,000mi--340,000mi (Best I can tell), rough condition truck. I would think it would be mileage exempt.

Am I going to have to just pull up a bunch of autotrader listing and lie about the odometer--cause it says 88,000. So if anybody knows a good source to use, please let me know.

Thanks for reading my novel. Longest post ever.