… Help Need Insurance Advice…DUI Guy Hit My Cars…

[Willie B]

… I started thinking last night in the middle of the cluster fuck of what I’m dealing with Allstate right now… That maybe I should add uninsured underinsured motorist to my policy… I have been spending most of my time in the rurals… where there was no traffic and I didn’t see the need for uninsured motorist… But now that I am pretty permanently ensconced… in my North Hollywood home… I thought maybe I do need uninsured motorist… And the research I just did …in the conversation I had with a licensed policy person… I found out that with my fairly high limit on collision that if I were to add, uninsured motorist …all that I am doing is doubling up,I would be paying money for something that essentially my collision insurance already covers anyway … at least that’s what this lady told me… My guess would be if I called another sales agent I would get a different story… I highly do not recommend Allstate insurance at this point to anyone… At all

 

[dribble]

I didn’t carry uninsured motorist until we got hit head on by a guy with no money and (thankfully) 100/300. It also covers underinsured motorists and if there are serious injuries your insurance will pick up where their’s leaves off. We each had injuries that would have paid 250K but were only able to collect on his.

 

[2Driver]

Everybody should have "uninsured motorist insurance" coverage.

It's cheap and I learned the hard way how valuable it is when my car was hit by an Illegal with NO insurance!

Did I mention it's cheap?

Don’t know if it was mentioned

Uninsured and Underinsured coverage is for bodily injury not properly damage coverage.

 

[TPC]

DUI chick hit us and then ran down the street. Took out our Tacoma too.
She claimed neighbors grabbed her boobs.
Security cameras footage proved that a lie.

Her Geico insurance was tough to deal with so AAA handled it all.

 

[TimeBandit]

Don’t know if it was mentioned

Uninsured and Underinsured coverage is for bodily injury not properly damage coverage.

From Geico website:

Uninsured Motorist Property Damage Coverage (UMPD)​

If your car is damaged by an uninsured motorist, then Uninsured Motorist Property Damage provides coverage for repairs to your car. If your auto policy doesn't include UMPD coverage or Collision coverage, then you would have to pay for the car repairs or a file a claim against the at-fault driver in court.

So YES, you can have Uninsured "Property" damage coverage, It's up to YOU to see what is available and purchase it.

Have I mentioned it's cheap?

 

[2Driver]

From Geico website:

Uninsured Motorist Property Damage Coverage (UMPD)​

If your car is damaged by an uninsured motorist, then Uninsured Motorist Property Damage provides coverage for repairs to your car. If your auto policy doesn't include UMPD coverage or Collision coverage, then you would have to pay for the car repairs or a file a claim against the at-fault driver in court.

So YES, you can have Uninsured "Property" damage coverage, It's up to YOU to see what is available and purchase it.

Have I mentioned it's cheap?

If you have collision coverage you are covered so at that point you paying for coverage twice.

However if you don't have health insurance or a super high deductible it would provide BI coverage for you and occupants.

 

[Cole Trickle]

If you have collision coverage you are covered so at that point you paying for coverage twice.

However if you don't have health insurance or a super high deductible it would provide BI coverage for you and occupants.

You don’t get uninsured property damage when you have collision.

You typically would have the um collision deductible waiver that way you wouldn’t have to come out of pocket for your deductible when hit by an uninsured driver.

 

[2Driver]

You don’t get uninsured property damage when you have collision.

You typically would have the um collision deductible waiver that way you wouldn’t have to come out of pocket for your deductible when hit by an uninsured driver.

Im not sure what you are saying.

So I just went over this with SF.

My car is covered with collision damage under collision coverage no matter who hits it or what I hit

The typical Uninsured/Underinsured, what most people think about and buy, is for bodily injury coverage only.

You can buy specific under insured property damage coverage but if you already have collision coverage why would you?

What am I missing?

 

[Willie B]

You typically would have the um collision deductible waiver that way you wouldn’t have to come out of pocket for your deductible when hit by an uninsured driver.
[/QUOTE]
..: could you break Fishtown a little further? I do not understand the exact meaning of this paragraph….

 

[Cole Trickle]

Im not sure what you are saying.

So I just went over this with SF.

My car is covered with collision damage under collision coverage no matter who hits it or what I hit

The typical Uninsured/Underinsured, what most people think about and buy, is for bodily injury coverage only.

You can buy specific under insured property damage coverage but if you already have collision coverage why would you?

What am I missing?

Uninsured motorist property damage is typically added to cars without collision that way if struck by a um you would still get some $$ for the car. Most policies cover $3500 for this.

If the car has collision you should have the uninsured motorist collision deductible waiver. This makes it so you don’t have to pay the collision deductible when hit by an uninsured driver.

It’s also referred to as cdw.

you can choose to eliminate that from the policy but for a couple dollars you can add it and save the deductible payment when it’s not your fault.

For a couple bucks a year you can save the potential of having to pay. $500++ collision deductible when an accident isn’t your fault.

Hopefully the neighbor has that coverage because it will save them the $2500 deductible.

 

[2Driver]

Uninsured motorist property damage is typically added to cars without collision that way if struck by a um you would still get some $$ for the car. Most policies cover $3500 for this.

If the car has collision you should have the uninsured motorist collision deductible waiver. This makes it so you don’t have to pay the collision deductible when hit by an uninsured driver.

It’s also referred to as cdw.

you can choose to eliminate that from the policy but for a couple dollars you can add it and save the deductible payment when it’s not your fault.

For a couple bucks a year you can save the potential of having to pay. $500++ collision deductible when an accident isn’t your fault.

Hopefully the neighbor has that coverage because it will save them the $2500 deductible.

Thank you.

 

[Willie B]

drives a 40k mercedes but cant afford the insurance. whats wrong with this picture?

.., Young couple on the rise… Him 33, her 29… He works in the medical field helping elderly people stay alive by monitoring their blood work… She gets paid by the state for taking care of her elderly grandmother… this young couple is a”expecting their first child in July…. And they’re not killing”it ”moneywise at this point in their lives…
… This four-door, Mercedes will be their family sedan… it’s a very safe car…
… Their high deductible is all they can currently afford…

 

[braindead]

Oddly enough...I've heard of that law and seen in in print, but never once have I been asked to provide proof of insurance when registering or transferring a title at the DMV or AAA, ever.

Let your insurance lapse for a month or two and see how long it takes the DMV to send you an uninsured motorist letter, then report back

 

[Ballyhoo]

From Geico website:

Uninsured Motorist Property Damage Coverage (UMPD)​

If your car is damaged by an uninsured motorist, then Uninsured Motorist Property Damage provides coverage for repairs to your car. If your auto policy doesn't include UMPD coverage or Collision coverage, then you would have to pay for the car repairs or a file a claim against the at-fault driver in court.

So YES, you can have Uninsured "Property" damage coverage, It's up to YOU to see what is available and purchase it.

Have I mentioned it's cheap?

Yep. I have used my UM coverage twice...unfortunately

 

[Willie B]

… Is there such a thing as a collision appraiser that will come to your house… to write an estimate on My Dodge ram and my Lance camper …
…It would be a bit precarious to drive them to a collision shop …as there is a chance the camper could come off the truck-…anybody know of an RV specialist that is qualified to appraise a totaled Lance camper and the damaged Dodge Ram pick up ..,thank you much…

 

[lbhsbz]

… Is there such a thing as a collision appraiser that will come to your house… to write an estimate on My Dodge ram and my Lance camper …
…It would be a bit precarious to drive them to a collision shop …as there is a chance the camper could come off the truck-…anybody know of an RV specialist that is qualified to appraise a totaled Lance camper and the damaged Dodge Ram pick up ..,thank you much…

Call the adjuster and they'll send someone out.

I'd get online and shop for replacement campers (and trucks) and present 3 or 4 examples of each to the estimator when they arrive.

 

[RVR SWPR]

Seems fortunate you can park vehicles on street. Insurance adjuster might ask about that. Then again maybe you live on a private street.
So far you been dealing with insurance on phone etc. Next up Adjusters will be face to face with you on site. Be prepared.

 

[lbhsbz]

Seems fortunate you can park vehicles on street. Insurance adjuster might ask about that. Then again maybe you live on a private street.
So far you been dealing with insurance on phone etc. Next up Adjusters will be face to face with you on site. Be prepared.

Where do you live that you can't park on the street?

 

[84miller]

You state " I don’t carry uninsured motorist, because generally it is kind of useless…". Then state the insurance company will pay your damage. I am truly surprised by that, fyi had an insurance lic myself. I hope they do cover. For all on this thread, uninsured motorist insurance should always be in your insurance package. You should also carry a 1-million-dollar liability. Why, because if an uninsured motorist causes major human inquiry to your or an immediate family member, you will have the money to make it right.

 

[Willie B]

Call the adjuster and they'll send someone out.

I'd get online and shop for replacement campers (and trucks) and present 3 or 4 examples of each to the estimator when they arrive.

… Allstate tells me they don’t have anyone to come out and look at the Lance Camper… they say they have no RV specialists…
… they did send someone out to appraise the Dodge ram pick up and the Ford expedition…
…on the Dodge ram, the appraiser missed much of the damage…
… On the expedition the appraiser wrote down a bunch of stuff… But did not submit anything… He called me and said he would discuss the expedition with me today…so…

 

[Willie B]

Seems fortunate you can park vehicles on street. Insurance adjuster might ask about that. Then again maybe you live on a private street.
So far you been dealing with insurance on phone etc. Next up Adjusters will be face to face with you on site. Be prepared.

… the one adjuster that came out to assess the Dodge ram and the expedition I was prepared for… The fact that he did not submit any information to Allstate about the expedition has me a bit baffled at this point… said he will call me today when he returns from big bear… we shall see

 

[Willie B]

Call the adjuster and they'll send someone out.

I'd get online and shop for replacement campers (and trucks) and present 3 or 4 examples of each to the estimator when they arrive.

… appraisals saying the vehicles or the camper been deemed total losses is when you submit comparables… I don’t think the adjuster cares what a comparable vehicle or camper is advertised for.…

 

[Willie B]

You state " I don’t carry uninsured motorist, because generally it is kind of useless…". Then state the insurance company will pay your damage. I am truly surprised by that, fyi had an insurance lic myself. I hope they do cover. For all on this thread, uninsured motorist insurance should always be in your insurance package. You should also carry a 1-million-dollar liability. Why, because if an uninsured motorist causes major human inquiry to your or an immediate family member, you will have the money to make it right.

… I was going to add uninsured motorist after this accident/incident… And Allstate themselves told me all I would be doing was doubling up as my collision will cover all of my stuff…
… but then again, it is Allstate… You talk to 10 people you get 10 different directions to choose from

 

[Lower river sludge]

No doubt this is stressful and sucks but give Allstate a chance to treat you right before cursing them too much.

So many of these start with "I'm getting a lawyer, f blah blah blah insurance!" And end with "wow, they actually paid me fairly...."

 

[Willie B]

No doubt this is stressful and sucks but give Allstate a chance to treat you right before cursing them too much.

So many of these start with "I'm getting a lawyer, f blah blah blah insurance!" And end with "wow, they actually paid me fairly...."

… you might be onto a little something here???…
… I have been operating on the serious nightmare that it was when I got burned out up at Lake Oroville… apparently since there was nothing but burnt out, hulks and ashes up there …this is a different deal… there is actually something for the appraiser to look at…

on my Ford expedition, they actually made me a very fair offer…but… and there is always a butt… When do you want me to come and pick it up as it was deemed totaled… I had to say to him… What do you mean come and pick it up… It is still drivable… I will need to drive it around to find a replacement vehicle… then he said so you’re going to make me work…lol..: hopefully he doesn’t have to work too hard…

… on my dodge ram diesel he missed quite a bit of the damage… so he said we will get to that when we take it apart… I had to tell him …that is my truck and my camper and you are not going to take it apart… I am definitely getting the used car salesman hustle from this apraiser…

… On my Lance camper. An actual RV place will be doing the appraisal on that….

 

[Willie B]

…
Anybody have any idea if the separate collision insurance on my Lance camper will cover non factory items if it is deemed a total loss… The Stabyl Lyft jacking system when I checked about five years ago was $3500 not installed and I don’t know what the value of the 110 watt solar paneled on the roof would be plus installation…

… and thank you everybody for all your help in this thread… This is getting old and gimped up is really not fun…

 

[wishiknew]

A motor cop in Havasu said they write a Ton of tickets for no insurance ….

Mohave Valley also

 

[Willie B]

… well here we are today in my cluster fuck deal with Allstate insurance… Allstate has determined that my ‘99 expedition is totaled... They have determined that my Lance 900 camper is totaled and they have determined that my 97 Dodge Ram 2500 extracab Cummins diesel four-wheel-drive is totaled…

… They offered me a price I did consider on the Expedition for the total… Then the claims guy said when can I come pick it up… I had to ask him what do you mean…When do you come and pick it up…It is still usable and I need it to go look for a new to me SUV…. I asked him what is the buyback price… he couldn’t give me an answer… and this was quite a number of days ago… still no buy-back price???… I need it to move my two boats around as it has a good hitch and is a 4 Wheel Drive…for launching… since it took a hit. It has been very difficult to get it out four-wheel-drive though!???

,,.


I can’t let Allstate take the expedition away as it is my only transportation as the truck and camper are unsafe to drive…

I recently received word on my 97 Dodge Ram 2500 extra cab 4x4 Cummins Dieselzq VW aa….8800 GVW chassis…

 

[monkeyswrench]

How bad is the front of the Dodge and the back of the cab? I could see it breaking the parking pawl, but what else makes it totaled? With the 99 Expedition, I can't figure out what sideswipe damage would do to effect the 4x4. If it hit the rear wheel just right, I guess it could have bent the driver's side trailing arms and knocked the transfercase.

I hope they get something figured out for you soon.

 

[zhandfull]

What the plan with truck and camper, going to replace them?

Might be an opportunity to downsize from two large older vehicles and a camper to one newer vehicle all while putting some money in the bank.

Newer half ton trucks are very capable in towing and drive really nice. Heck, even a newer Expedition or other SUV would probably tow the boats just fine.

On the other hand if you want to keep the Expedition. Instead of buying back a damaged totaled vehicle from insurance. Maybe you can work out a deal for insurance to repair it while providing a rental car. Then take the total payout on truck and camper. Not sure if that is even an option. But seems like you are in decent position to negotiate whatever works best for you at this point.

 

[TBulger]

Willie, the items in the camper are covered by home owners ins. Recently went through this as my new Lance trailer was stollen. Had all the locks possible on it and they came with a small old wrecker and just lifted the tongue and off they went on main drag with sparks flying from jack hitting the road as they went. I happen to have it all on cameras but unfortunately no licensee plates were on the vehicle.

 

[Angler]

Where do you live that you can't park on the street?

San Dimas. Have to a a permit to park on the streets here.

 

[Willie B]

… the girl that did the estimate on the camper thinks it would be a bad idea for me to get the California Department of insurance involved… As I told her that Allstate is telling me that the camper had stated value insurance, which it did not, and the corporate policy people said no it did not have stated value and that figure was what a camper like mine cost new…
… this girl said that because the value of my old camper is so low in that nada book I might be shooting myself in the foot by not excepting the stated value play by Allstate… the Metro Rv damage estimate was $7000 higher than the stated value play by Allstate… so another what to do here???…

 

[Willie B]

How bad is the front of the Dodge and the back of the cab? I could see it breaking the parking pawl, but what else makes it totaled? With the 99 Expedition, I can't figure out what sideswipe damage would do to effect the 4x4. If it hit the rear wheel just right, I guess it could have bent the driver's side trailing arms and knocked the transfercase.

I hope they get something figured out for you soon.

… the sideswipe damage hit the left front tire of the expedition and the front bumper and left front fender

… the front bumper is bent on the truck, the Dodge truck… The truck had been parked in four-wheel-drive and in park… now it is very difficult to get the truck to go forward and backward, the motor runs at a high rpm and the truck will barely move

 

[monkeyswrench]

… the sideswipe damage hit the left front tire of the expedition and the front bumper and left front fender

… the front bumper is bent on the truck, the Dodge truck… The truck had been parked in four-wheel-drive and in park… now it is very difficult to get the truck to go forward and backward, the motor runs at a high rpm and the truck will barely move

Being in 4x4, and with weight on it, it may have stripped the splines from the output shaft to the T-case. Same concept as side stepping the clutch, something has to give. Not an easy fix, but not worth putting the truck down either. I could see totaling it if it were a gasser, but not a diesel

 

[Willie B]

Being in 4x4, and with weight on it, it may have stripped the splines from the output shaft to the T-case. Same concept as side stepping the clutch, something has to give. Not an easy fix, but not worth putting the truck down either. I could see totaling it if it were a gasser, but not a diesel

… Allstate is starting to step up to the plate… somewhat… But the 4 total loss comps on the Dodge ram diesel….’I am still waiting for them to tell me where they are so I can go look at them… to see if they are the real deal…. Allstate is telling me that the four comps are within my ZIP Code … which is not a big area… North Hollywood… I could not imagine four ‘94-‘97 diesel, extra cab, 4 x 4. Dodge Ram 2500’s being for sale in such a small area…. would an insurance company try to scam the insured…nahhh…

 

[ChumpChange]

Where do you live that you can't park on the street?

You can park on the street during the day but you need a temporary permit to park overnight between the hours of 2:00 to 5:00 AM. Keeps the city nice and clean.

 

[Willie B]

… Now what do I do…..:

… Allstate Insurance has now officially lowballed me on my totaled Ford Expedition…my totaled Lance Camper…and my ‘totaled 97 Dodge Ram extracab 12valve Cummins diesel PU…

… my biggest concern is the Dodge Ram…
… Allstate has sent me four comps… the first one… The dealership has been closed for two years… The second one was not even a pick up truck… It was a flatbed… The third one I was just able to leave a message… And on the fourth one, they said they never had the truck…

…So does anybody up there know how to negotiate these uncharted waters of me getting fair market value on the Dodge???…

… also on the Lance camper… Metro Rv wrote an appraisal of $16,000 for the total loss… and Allstate has offered me $9500…

… So help smart people… what is my next step here…

…Thanks…Willie B…

 

[CLdrinker]

There are people that you can hire to negotiate for you.

Do you have current listings of your own to back up your value case?

Get a lawyer.

 

[ChumpChange]

… Now what do I do…..:

… Allstate Insurance has now officially lowballed me on my totaled Ford Expedition…my totaled Lance Camper…and my ‘totaled 97 Dodge Ram extracab 12valve Cummins diesel PU…

… my biggest concern is the Dodge Ram…
… Allstate has sent me four comps… the first one… The dealership has been closed for two years… The second one was not even a pick up truck… It was a flatbed… The third one I was just able to leave a message… And on the fourth one, they said they never had the truck…

…So does anybody up there know how to negotiate these uncharted waters of me getting fair market value on the Dodge???…

… also on the Lance camper… Metro Rv wrote an appraisal of $16,000 for the total loss… and Allstate has offered me $9500…

… So help smart people… what is my next step here…

…Thanks…Willie B…

There was a whole thread about this a couple months ago. Can’t remember who it was though. Maybe @Mr. C

 

[bonesfab]

Go on bring a trailer and search the results for the truck. You have to establish what its worth and what they are going for. Years ago I got into an accident in my 66 mustang. Nothing special 6-cyl car. They offered like 2500.00 I said a non running one goes for more than that. They said find comps. Recycler and auto trader I found like 50 comps all over the board. They ended up giving me 7500.00 I believe it was for it. Sucks you have to fight for it but it's what it takes.

 

[bonesfab]

No Reserve: 21k-Mile 1997 Dodge Ram 2500 Cummins 4×4

Bid for the chance to own a No Reserve: 21k-Mile 1997 Dodge Ram 2500 Cummins 4×4 at auction with Bring a Trailer, the home of the best vintage and classic cars online. Lot #60,452.

bringatrailer.com

https://bringatrailer.com/listing/1997-dodge-ram-26/

https://bringatrailer.com/listing/1996-dodge-ram-2500-2/

https://bringatrailer.com/listing/1996-dodge-ram-26/

 

[zhandfull]

… Now what do I do…..:

… Allstate Insurance has now officially lowballed me on my totaled Ford Expedition…my totaled Lance Camper…and my ‘totaled 97 Dodge Ram extracab 12valve Cummins diesel PU…

… my biggest concern is the Dodge Ram…
… Allstate has sent me four comps… the first one… The dealership has been closed for two years… The second one was not even a pick up truck… It was a flatbed… The third one I was just able to leave a message… And on the fourth one, they said they never had the truck…

…So does anybody up there know how to negotiate these uncharted waters of me getting fair market value on the Dodge???…

… also on the Lance camper… Metro Rv wrote an appraisal of $16,000 for the total loss… and Allstate has offered me $9500…

… So help smart people… what is my next step here…

…Thanks…Willie B…

Thinking you’re going to need your own comps for each vehicle and the camper. They will need to be inline with what you believe market value is.

 

[Willie B]

There are people that you can hire to negotiate for you.

Do you have current listings of your own to back up your value case?

Get a lawyer.

… a good friend is a retired Superior Court judge/lawyer… I told him yesterday what was starting to happen… I haven’t gotten him involved yet, but… Good grief how can Allstate be such out and out thieves

… I am going to have to give it a nights rest…… I have been working on this since 5 AM this morning and I worked on it till I think three this afternoon… I am fried…

 

[Willie B]

No Reserve: 21k-Mile 1997 Dodge Ram 2500 Cummins 4×4

Bid for the chance to own a No Reserve: 21k-Mile 1997 Dodge Ram 2500 Cummins 4×4 at auction with Bring a Trailer, the home of the best vintage and classic cars online. Lot #60,452.

bringatrailer.com

https://bringatrailer.com/listing/1997-dodge-ram-26/

https://bringatrailer.com/listing/1996-dodge-ram-2500-2/

https://bringatrailer.com/listing/1996-dodge-ram-26/

… I had initially sent them comps… One for 41,000 and another one for maybe 36,000… Do I think mine is worth those kind of numbers …no not really in the real world…

 

[Willie B]

Thinking you’re going to need your own comps for each vehicle and the camper. They will need to be inline with what you believe market value is.

… Allstate initally told me that their comps would be from within my ZIP Code…and that mine would have to be that way also… that is turning out to be a lie…

 

[Willie B]

No Reserve: 21k-Mile 1997 Dodge Ram 2500 Cummins 4×4

Bid for the chance to own a No Reserve: 21k-Mile 1997 Dodge Ram 2500 Cummins 4×4 at auction with Bring a Trailer, the home of the best vintage and classic cars online. Lot #60,452.

bringatrailer.com

https://bringatrailer.com/listing/1997-dodge-ram-26/

https://bringatrailer.com/listing/1996-dodge-ram-2500-2/

https://bringatrailer.com/listing/1996-dodge-ram-26/

.., thanks for the comps… I may have actually sent them… a comp for $56,000 initially…

 

[Mr. C]

There was a whole thread about this a couple months ago. Can’t remember who it was though. Maybe @Mr. C

Sorry. Wasn’t me. No help on this.

 

[Willie B]

… I just got an email from Allstate insurance saying that if I keep my Ford expedition and my Dodge Ram pick up , …, I will get a salvage title… which I already knew.., no problem Allstate has said they will still insure these vehicles

…But they also told me that I would have to turn in my plates to the DMV… This could be a problem as I need the Ford to drive around and look for another car to buy…

… anybody know how to handle the turning in the plates on the Ford situation… And get new plates immediately???…

… on the Dodge ram, turning in the plates, might be another issue… Hopefully not.., it has disabled plates… Which save me a bunch on the registration…

…Thanks… for any input on the turning in the plates deal…you people are a godsend
…

 

[wings_of_eagles]

… I just got an email from Allstate insurance saying that if I keep my Ford expedition and my Dodge Ram pick up , …, I will get a salvage title… which I already knew.., no problem Allstate has said they will still insure these vehicles

…But they also told me that I would have to turn in my plates to the DMV… This could be a problem as I need the Ford to drive around and look for another car to buy…

… anybody know how to handle the turning in the plates on the Ford situation… And get new plates immediately???…

… on the Dodge ram, turning in the plates, might be another issue… Hopefully not.., it has disabled plates… Which save me a bunch on the registration…

…Thanks… for any input on the turning in the plates deal…you people are a godsend
…

Willie, if the ford is drivable, I would drive it till I find a replacement. it's still insured.
You have multiple options,
1- find out how much the ford will be to repair out of pocket and not file a claim.
2- have it totaled get the money and walk away.
3- have it totaled and buy it back. then you will have to repair it to California DMV vehicle standards and have DMV inspected it to pass their vehicle test, you then be given a salvage title on the vehicle and then can get it insured.
I did #3 on an 1990 Honda accord years ago.