Insurance claims S13 $5500 - Page 3 - Zilvia.net Forums | Nissan 240SX (Silvia) and Z (Fairlady) Car Forum

SinisterSntra91 · 03-19-2008, 01:23 PM

Not sure if this was covered as I didnt read through the entire thread, but keep all recipts on aftermarket parts, I just throw all mine in a binder in those plastic clear sleves you can buy. I had my sentra hit a couple times and the insurance company refused to pay to replace any aftermarket parts unless I had recipts to prove their worth. It also comes in handy for theft claims. Photo copy best buy and circuit city recipts as they fade to blank after awhile....

gtstwincam · 09-07-2009, 11:46 PM

sticky?.................

gtstwincam · 09-07-2009, 11:48 PM

take photos of your in case it ever gets stolen

4 corners, interior, engine, dash area, seats, stereo, vin, etc

save all receipts

if your car gets stolen, you need photo proof to show the cond of your car.

***FaLKoN240*** · 09-07-2009, 11:55 PM

I've been referring people to this thread.

You really helped me out in the past, and I wanted to let people know where they can go for good reputable help.

implayaz9 · 09-08-2009, 12:04 AM

Pmed u hoping to get some info about the adjuster field

*S13Boosts* · 09-08-2009, 12:06 AM

Quote:

Originally Posted by gtstwincam

sticky?.................

+1 on that.

drift_limo · 09-08-2009, 12:12 AM

do you do services in vegas??
hehe ..

*DALAZ_68* · 09-08-2009, 12:12 AM

i wish this thread was around wen i got screwed over with my hatch...

any advice on how to handle medical issues, i nearly got raped by collectors due to the other guys insurance taking there time. lucky i caught it on time b4 it went on my credit record or worst...

xpertsnowcarver · 09-08-2009, 12:38 AM

Quote:

Originally Posted by exitspeed

(newbs with red squares take notes).

Lmao. The current newbs since it was removed won't take notes. Therefore, newbs that have been ridiculed for not searching or posting stupidity, take note.

zenki.life · 09-08-2009, 12:43 AM

god ive never thought of this before, fuckin scary. guess i know what im going to insure next time

EricDET · 10-13-2009, 01:32 PM

Quote:

Originally Posted by gtstwincam

sticky?.................

+1 on the sticky... This thread has helped me quite a bit since my car was totalled last week.

OBEEWON · 10-13-2009, 02:15 PM

Sticky. I could have used this 3 times last fall...

!Zar! · 10-13-2009, 02:26 PM

I wish my car was totaled.

Edgar · 10-13-2009, 02:26 PM

Just subscribe to it, this is a pretty good thread though.

gtstwincam · 10-13-2009, 04:26 PM

If anyone has benefited from this thread... Id like to hear your stories.

Ive been very busy so i apologize for not getting to your PM's in time.

Here is another tip:

If you own a honda or 240sx, get COMPREHENSIVE coverage. Its not that much more $ on your premium and will save you a headache in case your car gets stolen.

***FaLKoN240*** · 10-13-2009, 04:53 PM

Yeahhhhhhh I am STILL subscribed to this thread.

ViciousCesar! · 10-13-2009, 09:47 PM

<--subscribed... =D

carnagexxxx · 10-13-2009, 10:28 PM

I'm also in the insurance industry. I wanted to note one thing and that is that every state has different insurance laws. Hell, I'm technically not in a state, I'm in the Commonwealth of Pennsylvania. That's another story.

Anyway, the gentleman who originally posted put out some good information especially the vast majority of people here on Zilvia that live in Cali. The part that should be taken with a grain of salt is for the people who are located in other states.

Also to be noted, each insurance company has what they call "filings". These are exceptions or concessions that are agreed between the insurance company and the laws that are governed by the state.

Why am I mentioning this? I don't want people to be disappointed if something they read here doesn't apply to their situation. Insurance is a very dynamic creature. Most times claims have more to do with how nice the adjuster is (this is a bit of an over-statement but close to the point). Be nice to the adjuster, they are on your side (if you go through your insurance company). If you are dealing with someone who hit you, it may be difficult, but BE RESPECTFUL AND COURTEOUS. You shouldn't yell at the kid at Burger King (he's only giving you a whopper) so don't yell at someone who could be giving hundreds or even a few thousand dollars.

gtstwincam · 10-14-2009, 01:47 AM

deleted.
deleted.

*hOngsterr* · 10-14-2009, 02:15 AM

damn interesting,
havent seen this thread in ages.

gtstwincam · 10-14-2009, 02:21 AM

Is this thread a sticky yet?

zenki.life · 10-14-2009, 03:11 AM

guess not. try to contact one of the admins though

BLiTz · 10-14-2009, 10:36 PM

Very good info... I have never fully understood how insurance works and this thread helped a lot.

One thing I will say is that in Florida insurance seems like a joke compared to how you make it sound in Cali, this is my favorite...

Quote:

All vandalism losses are screened and looked at closely. A police report is normally required. If there are any reasons that a claim is questionable- you may be subject to a investigation. And these investigations are no joke. Get your story straight- we will catch you slipping

I know someone in FL who bought a Honda made one payment on it and wrecked it drunk into a fence of some kind and ditched it.
Next day reported it as stolen to insurance and never got ask anything about it.
I have heard of several different stores of people reporting false claims but that is by far the best (and worst most idiotic) example I know of.

I would expect a adjuster to be able to tell the difference in a vehicle that was stolen and wasn't, even after a wreck.

I just hope I never have to deal with that again. My second hatch that was my favorite and the most fun I have ever had got rear-ended and totaled. I got completely screwed from the part out and got around $1500 for the car I believe. So after buying back the car and parting out everything i just had enough to buy my stock S14 which I plan on having forever and not needing to make a claim. I will probably go to jail for beating whoever hits it to death before the cops get there so im gonna need a hefty insurance policy

Bigsyke · 10-14-2009, 10:39 PM

So is this how just 1 insurance company operates? Because Alot of insurance companies base their claims off the KBB, and it states it right in your paperwork. You can get all the exact details on exactly what happens in a specific event in your insurance providers paperwork, when they initially send out the 1st insurance cards.

GSXRJJordan · 10-14-2009, 10:55 PM

Quote:

Originally Posted by Bigsyke

So is this how just 1 insurance company operates? Because Alot of insurance companies base their claims off the KBB, and it states it right in your paperwork. You can get all the exact details on exactly what happens in a specific event in your insurance providers paperwork, when they initially send out the 1st insurance cards.

Insurance companies pay claims based on market value in your area - this happens to be what the KBB is supposed to represent, but in our market especially, KBB and 'market value' can be very different.

I think one very important message in this thread is that every insurance company is different, and every state is different - I have had lots of different companies in many different states, and filed a few claims over the years... currently, I have an awesome insurance agent who I work with (PM me for his info, if you want) who can write for about 30 companies in CA (less in other states), and since each of those companies has many different products (read: plans), my options are plentiful.

Right now, I have a policy through Safeco Insurance, where my Datsun 510 is covered as a 'classic car', meaning I can only drive it 5999mi/yr, but it's insured at 'full market value' by an independent appraiser of my choice for pennies. Also cool is that any car insured with this plan (it's their 'VIP' plan or something, only good drivers may apply) is insured for all parts bolted/attached to the car... this means my carbon bodywork, wheels, suspension, seats, audio/etc and some engine parts (nothing illegal is covered, unfortunately) are all insured for no additional cost! With the receipts I have right now, my S14 has ~$11k in full coverage for the same price as I was paying for basic Lia/Comp with no accessory coverage before!

I'm excited by this.

[w]hite[r]abbit[x] · 10-14-2009, 11:33 PM

Very good advice. +1

gtstwincam · 10-15-2009, 09:01 AM

deleted.
deleted.

JRex · 10-15-2009, 11:12 PM

Awesome info. Will defiantly keep this thread handy if I ever need it...although hopefully I don't.

coww-cho!!!!! · 10-15-2009, 11:31 PM

i already found about this stuff a few years back when i got in an accident in my camry and i was at fault. I did however get my full retail value of it and go the car back but as selfish i was i spent all the money on random shit and now that i need to repair my car for a salvage title i dont have the money laying around =(

but thanks for reminding me! need to sell more stuff to get it running again!

upsdude · 10-16-2009, 01:00 AM

i would have taken the $5500 instead of the car, but that's just me. oh and right now i'm in the middle of a hit and run case, the other party at fault...all i can say is-damn you adjusters take forever to pay out when it's your fault lol

09-07-2009, 11:48 PM	#63
gtstwincam Zilvia Member Join Date: Mar 2006 Location: Vallejo, CA Posts: 193 Trader Rating: (0) Feedback Score: 0 reviews	another tip take photos of your in case it ever gets stolen 4 corners, interior, engine, dash area, seats, stereo, vin, etc save all receipts if your car gets stolen, you need photo proof to show the cond of your car.

09-07-2009, 11:55 PM	#64
*FaLKoN240* Super Moderator Join Date: Jun 2004 Location: SoCal Temecula Posts: 16,885 Trader Rating: (73) Feedback Score: 73 reviews	I've been referring people to this thread. You really helped me out in the past, and I wanted to let people know where they can go for good reputable help. __________________ Best way to do business with me? Make your best offer FIRST.

09-08-2009, 12:12 AM	#67
drift_limo Zilvia Junkie Join Date: Nov 2006 Location: las vegas Posts: 353 Trader Rating: (0) Feedback Score: 0 reviews	do you do services in vegas?? hehe .. __________________ dirtypenguin.wordpress.com

09-08-2009, 12:12 AM	#68
DALAZ_68 not giving a fuck Join Date: Apr 2007 Location: Los angeles Age: 37 Posts: 15,077 Trader Rating: (104) Feedback Score: 104 reviews	i wish this thread was around wen i got screwed over with my hatch... any advice on how to handle medical issues, i nearly got raped by collectors due to the other guys insurance taking there time. lucky i caught it on time b4 it went on my credit record or worst... __________________ LOL 240... whats better than 1? 5 1's ...lol PSN & XBL GT : Wh0pp3r68 CLUB LEXUS : Wh0pp3r

10-13-2009, 02:15 PM	#72
OBEEWON Post Whore! Join Date: Feb 2006 Location: Hightened State of Emergency Posts: 6,053 Trader Rating: (9) Feedback Score: 9 reviews	Sticky. I could have used this 3 times last fall... __________________

03-19-2008, 01:23 PM	#61
SinisterSntra91 Zilvia Junkie Join Date: Jul 2007 Location: Cincinnati, Ohio Age: 39 Posts: 544 Trader Rating: (3) Feedback Score: 3 reviews	Not sure if this was covered as I didnt read through the entire thread, but keep all recipts on aftermarket parts, I just throw all mine in a binder in those plastic clear sleves you can buy. I had my sentra hit a couple times and the insurance company refused to pay to replace any aftermarket parts unless I had recipts to prove their worth. It also comes in handy for theft claims. Photo copy best buy and circuit city recipts as they fade to blank after awhile....

09-07-2009, 11:46 PM	#62
gtstwincam Zilvia Member Join Date: Mar 2006 Location: Vallejo, CA Posts: 193 Trader Rating: (0) Feedback Score: 0 reviews	sticky?.................

09-08-2009, 12:04 AM	#65
implayaz9 Zilvia FREAK! Join Date: Nov 2006 Location: SOCAL Age: 42 Posts: 1,105 Trader Rating: (3) Feedback Score: 3 reviews	Pmed u hoping to get some info about the adjuster field

10-13-2009, 02:26 PM	#73
!Zar! Post Whore! Join Date: Nov 2004 Location: North Korea Posts: 14,579 Trader Rating: (27) Feedback Score: 27 reviews	I wish my car was totaled. __________________

10-13-2009, 02:26 PM	#74
Edgar Post Whore! Join Date: Oct 2004 Location: Indianapolis,IN Posts: 4,980 Trader Rating: (13) Feedback Score: 13 reviews	Just subscribe to it, this is a pretty good thread though. __________________ Drift Indy

10-13-2009, 04:26 PM	#75
gtstwincam Zilvia Member Join Date: Mar 2006 Location: Vallejo, CA Posts: 193 Trader Rating: (0) Feedback Score: 0 reviews	If anyone has benefited from this thread... Id like to hear your stories. Ive been very busy so i apologize for not getting to your PM's in time. Here is another tip: If you own a honda or 240sx, get COMPREHENSIVE coverage. Its not that much more $ on your premium and will save you a headache in case your car gets stolen.

10-13-2009, 04:53 PM	#76
*FaLKoN240* Super Moderator Join Date: Jun 2004 Location: SoCal Temecula Posts: 16,885 Trader Rating: (73) Feedback Score: 73 reviews	Yeahhhhhhh I am STILL subscribed to this thread. __________________ Best way to do business with me? Make your best offer FIRST.

10-13-2009, 09:47 PM	#77
ViciousCesar! Zilvia FREAK! Join Date: May 2009 Location: Doomstadt, FL Posts: 1,280 Trader Rating: (8) Feedback Score: 8 reviews	<--subscribed... =D

10-13-2009, 10:28 PM	#78
carnagexxxx Zilvia Member Join Date: Sep 2006 Location: weirdoville Age: 43 Posts: 244 Trader Rating: (-1) Feedback Score: -1 reviews	I'm also in the insurance industry. I wanted to note one thing and that is that every state has different insurance laws. Hell, I'm technically not in a state, I'm in the Commonwealth of Pennsylvania. That's another story. Anyway, the gentleman who originally posted put out some good information especially the vast majority of people here on Zilvia that live in Cali. The part that should be taken with a grain of salt is for the people who are located in other states. Also to be noted, each insurance company has what they call "filings". These are exceptions or concessions that are agreed between the insurance company and the laws that are governed by the state. Why am I mentioning this? I don't want people to be disappointed if something they read here doesn't apply to their situation. Insurance is a very dynamic creature. Most times claims have more to do with how nice the adjuster is (this is a bit of an over-statement but close to the point). Be nice to the adjuster, they are on your side (if you go through your insurance company). If you are dealing with someone who hit you, it may be difficult, but BE RESPECTFUL AND COURTEOUS. You shouldn't yell at the kid at Burger King (he's only giving you a whopper) so don't yell at someone who could be giving hundreds or even a few thousand dollars.

10-14-2009, 01:47 AM	#79
gtstwincam Zilvia Member Join Date: Mar 2006 Location: Vallejo, CA Posts: 193 Trader Rating: (0) Feedback Score: 0 reviews	deleted. deleted. Last edited by gtstwincam; 05-12-2010 at 10:35 PM..

10-14-2009, 02:21 AM	#81
gtstwincam Zilvia Member Join Date: Mar 2006 Location: Vallejo, CA Posts: 193 Trader Rating: (0) Feedback Score: 0 reviews	Sticky? Is this thread a sticky yet?

10-14-2009, 10:39 PM	#84
Bigsyke Zilvia FREAK! Join Date: Jun 2008 Location: NA Age: 39 Posts: 1,342 Trader Rating: (0) Feedback Score: 0 reviews	So is this how just 1 insurance company operates? Because Alot of insurance companies base their claims off the KBB, and it states it right in your paperwork. You can get all the exact details on exactly what happens in a specific event in your insurance providers paperwork, when they initially send out the 1st insurance cards.

10-14-2009, 11:33 PM	#86
[w]hite[r]abbit[x] Zilvia Junkie Join Date: Jun 2007 Location: Des Moines Age: 38 Posts: 297 Trader Rating: (0) Feedback Score: 0 reviews	Very good advice. +1

10-15-2009, 09:01 AM	#87
gtstwincam Zilvia Member Join Date: Mar 2006 Location: Vallejo, CA Posts: 193 Trader Rating: (0) Feedback Score: 0 reviews	deleted. deleted. Last edited by gtstwincam; 05-12-2010 at 10:35 PM..

10-15-2009, 11:12 PM	#88
JRex Zilvia Junkie Join Date: Apr 2009 Location: Gainesville, FL Age: 36 Posts: 354 Trader Rating: (5) Feedback Score: 5 reviews	Awesome info. Will defiantly keep this thread handy if I ever need it...although hopefully I don't.

10-15-2009, 11:31 PM	#89
coww-cho!!!!! Zilvia FREAK! Join Date: Jan 2008 Location: I.E. triiiick Age: 36 Posts: 1,001 Trader Rating: (3) Feedback Score: 3 reviews	i already found about this stuff a few years back when i got in an accident in my camry and i was at fault. I did however get my full retail value of it and go the car back but as selfish i was i spent all the money on random shit and now that i need to repair my car for a salvage title i dont have the money laying around =( but thanks for reminding me! need to sell more stuff to get it running again! __________________ CoUpe LOve #3

10-16-2009, 01:00 AM	#90
upsdude Post Whore! Join Date: Apr 2009 Location: Fontana (the good part) Posts: 2,721 Trader Rating: (46) Rides Gallery: upsdude Feedback Score: 46 reviews	i would have taken the $5500 instead of the car, but that's just me. oh and right now i'm in the middle of a hit and run case, the other party at fault...all i can say is-damn you adjusters take forever to pay out when it's your fault lol