1967 C10 Custom Big Window

[67ChevyRedneck]

Originally Posted by Slick67

Well, my insurance company told me to take my truck to a repair shop and have the repairs done, they sent me a check as well. $7,252!!!! I will be wiping with this check after a good mexican dinner and mailing it back to them.

Where the hell did they get that number? There's 7K+ in paint and body work, let alone the frame and everything else!

[Slick67]

Originally Posted by Blakeman350

Wow sorry to here that brother. Makes you wonder what we pay insurance for. Don't let them get away with it and hope it works out.

I had my truck towed Friday and put on a lift for the adjuster to look at it from underneath. After a phone call with the adjuster, estimator and the shop manager at the body shop they sounded a little different. They told me that if it is totalled then they would be happy to pay. So maybe it is working out for the best.

[Slick67]

Originally Posted by 67ChevyRedneck

Where the hell did they get that number? There's 7K+ in paint and body work, let alone the frame and everything else!

That was for just what they could see in one picture. Fender, hood, grill, lights and paint. This wouldn't even cover teardown at $85 an hour the shop charges.

[Slick67]

A couple more pics to show how "not totalled" it is. Notice the frame horns, that ain't right. The picture with the pole shows how bent the whole frame is.

[mcbassin]

Originally Posted by Slick67

Well, my insurance company told me to take my truck to a repair shop and have the repairs done, they sent me a check as well. $7,252!!!! I will be wiping with this check after a good mexican dinner and mailing it back to them.

I hope you don't mind sharing your insurance company with us. I have my classic insurance through my regular car insurance. I'm worried they would try to screw me the same way....
That check was a joke really. What in the heck are they thinking? You couldn't get the parts you need to fix your truck for that price. Let alone labor and a full repaint.

[gdavis]

My truck isn't even on the road yet and I have full replacement for the truck. As long as I keep good records on what I have spent on the repairs of the truck. So guys this is a wake up call for having the right insurance. Good luck George

[67ChevyRedneck]

Originally Posted by mcbassin

I hope you don't mind sharing your insurance company with us. I have my classic insurance through my regular car insurance. I'm worried they would try to screw me the same way....

He did

Originally Posted by Slick67

Last week was a FAIL for American Collectors Insurance. The adjuster who has my case really didn't accomplish anything except to piss me off really bad.......bad enough to cuss at him.

I have Haggerty on my Mustang. I have no personal experience, but between this forum, a couple Mustang forums, and a couple other I check out every now and again, Haggerty steps up when something happens. I even read stories where guys damaged their cars driving them out of the garage and Haggerty paid to repair them. I have yet to read a single case where Haggerty denied a claim or didn't pay up enough to cover repairs properly.

I have state farm on my C10, but that's only because I ran out of garage space and she has to stay outside.

Originally Posted by mcbassin

That check was a joke really. What in the heck are they thinking? You couldn't get the parts you need to fix your truck for that price. Let alone labor and a full repaint.

[Slick67]

Hey Guys!! It's a new week and I didn't let the check they sent get me down! I hope everyone had a great Thanksgiving!!! After a quick email sent last week I received a reply, management was to review the case and the adjuster will call me at the beginning of this week. I hope this is it. Also, another insurance tidbit. Haggerty dropped me because I have special paint and airride suspension!!!!! They are only interested in insuring restored vehicles not customs. I have had American Collectors Insurance before and they have been fine, I think that since I have such high coverage and it is totalled that they are just making 100% sure the truck is totalled for sure........can't blame them. I'll update with what transpires in the phone conversation I will have with them in the next couple of days!!!

[Low Elco]

So, do you currently have ACI or Haggerty? I hope it all works out.

[Slick67]

Originally Posted by Low Elco

So, do you currently have ACI or Haggerty? I hope it all works out.

I have ACI. We'll see if they come through at the end of this. I think they will, but still, it has been over a month since the accident and still no resolution. Hoping this week is the week!!!

[Slick67]

We had a good run........26 wins in 2.5 years.

[olrosa]

I used to run a bodyshop. Not sure how they couldn't total this truck. Just stay on them and you should get full compensation.

[Slick67]

Originally Posted by olrosa

I used to run a bodyshop. Not sure how they couldn't total this truck. Just stay on them and you should get full compensation.

Yes it's totaled for sure, but not in their eyes!! It has been bad today. Called 2 people 2 times each and emailed both 2 times. NO RESPONSE!!!! I'm not even being an ass, I am being polite. Guess a lawyer is gonna get some of my money!! You may want to reconsider using American Collectors (Assurant) unless you love these types of problems!!

[Slick67]

TBT!!!!! The first show Slick67 was ever in. Lone Star Throwdown 2012!! Mike Losh, see you there for 2015!!

[Low Elco]

Originally Posted by Slick67

Yes it's totaled for sure, but not in their eyes!! It has been bad today. Called 2 people 2 times each and emailed both 2 times. NO RESPONSE!!!! I'm not even being an ass, I am being polite. Guess a lawyer is gonna get some of my money!! You may want to reconsider using American Collectors (Assurant) unless you love these types of problems!!

Just my .02- relax. It's a big company, and the adjuster can't just make a decision and cut you a full check on his own. It's gonna have to go up the chain adn be signed off on. Any lawyer's gonna want an upfront and a cut of the final, so you're effectively cutting your own throat. You aren't injured out of work, and you still have a vehicle to get to work, so just chill. Beat 'em at their own game. Believe me, they use your desire to get this wrapped up as a tool to get you to settle early. No matter what they say, just come back like Little Mary Sunshine. Don't get the misery leeches involved unless absolutely necessary.

[67ChevyRedneck]

I'm going to disagree. I've never read a complaint like this from haggerty or grundy before. It's been a month. How long does it take to get an approval? They've also cut him a check, so according to them, they consider the matter resolved and it will now be an uphill battle to get what he deserves.

Slick, Have you gotten any real estimates for how much all of the repairs would cost? I know it's a pain in the ass, but you may have to drag the truck to a couple of shops (and I'd go to the 3 best in town that do classics/custom work), get real estimates from each, and take those back to ACI. I'm sure they'll be at least triple that pathetic check they cut you.

[Slick67]

Originally Posted by Low Elco

Just my .02- relax. It's a big company, and the adjuster can't just make a decision and cut you a full check on his own. It's gonna have to go up the chain adn be signed off on. Any lawyer's gonna want an upfront and a cut of the final, so you're effectively cutting your own throat. You aren't injured out of work, and you still have a vehicle to get to work, so just chill. Beat 'em at their own game. Believe me, they use your desire to get this wrapped up as a tool to get you to settle early. No matter what they say, just come back like Little Mary Sunshine. Don't get the misery leeches involved unless absolutely necessary.

Good advice brotha. My policy (and State law) says they have 45 days to determine what their final decision is, that means by next Wedneday. I can wait a week to hear them say "totalled". If they don't say that then we go into arbitration, and a drawn out process. I got the adjuster 2 qoutes for bare custom frames....both over $25000....lol, they can't get outta this one.

[Slick67]

Originally Posted by 67ChevyRedneck

I'm going to disagree. I've never read a complaint like this from haggerty or grundy before. It's been a month. How long does it take to get an approval? They've also cut him a check, so according to them, they consider the matter resolved and it will now be an uphill battle to get what he deserves.

Slick, Have you gotten any real estimates for how much all of the repairs would cost? I know it's a pain in the ass, but you may have to drag the truck to a couple of shops (and I'd go to the 3 best in town), get real estimates from each, and take those back to ACI. I'm sure they'll be at least triple that pathetic check they cut you.

I do see your point as well. The check was never cashed and it was disputed, but it would take alot more than triple to even begin to build or replace my truck. $40k is what it was insured for. It may be an uphill battle but it is one that I am prepared to fight.....without a lawyer. It will pay off eventually. I did get some advice from a old hot rodder, he got his own appraiser for around $300 and that helped loads he said. As for real estimates, yes. One shop as of right now, but if it takes 2 or 3 I'm willing.

[mcbassin]

Dang I sure hate reading this. You definitely have me rethinking my Insurance. I know how much time and effort you put into your truck. It sucks to have someone jerk you around on a claim. Hoping you get it resolved without unnecessary litigation. We sure don't want a lawyer to make a buck off your loss.

[Low Elco]

Were you on agreed value?

[Slick67]

Originally Posted by mcbassin

Dang I sure hate reading this. You definitely have me rethinking my Insurance. I know how much time and effort you put into your truck. It sucks to have someone jerk you around on a claim. Hoping you get it resolved without unnecessary litigation. We sure don't want a lawyer to make a buck off your loss.

It would be bad for someone to benefit off of my work, but I'm going to do everything I can to avoid that. Still no answer from emails or phone calls, but they can't avoid me forever. I think it is a tactic most insurance companies use, it just doesn't seem like it should be my insurance company using it on me!!!!!

[Slick67]

Originally Posted by Low Elco

Were you on agreed value?

Only agreement was that they had no problem writing the policy at $40k and said if I wanted to go higher it was no problem. Guess they lied.

[Slick67]

Finally!!!! Talked with the adjuster because I called from a number they have not seen from me. I was told that my claim was going through a second review because the estimator could only find custom frames that cost about $30k, BWAHAHAHAHA!!!! He said it was tough for management to swallow that pill. Welcome to the custom world boyz!!! He said that I should get a call later today or possibly on Monday after they finish the review but he also said that it would be totalled. It's good to know, but it still hurts to hear those words about my prized posession. On to my next prized posession!!!

[Slick67]

Internet pooped out for a little bit.

[Low Elco]

Good news! Are you buying back?