Happy F*cking New Year.

[Kevin 1G Drummer]

That's what I was thinking. I looked at the claim details online and it said there was a $25k limit, so I'm not sure where he's getting the $10k limit. Next time he calls I'm gonna have more questions.

[tpunx99GSX]

Also you may what to look into whether its incident based or based on each car he hit. Ill shoot my brother a quick email and let you know what he says.

[munchgsx]

I think 30/60/10 is state minimum 10 be property damage. If you took him to court he would pay the rest out of pocket. That ends up being a pain in the ass though. Also I think they base they're payout on current market value not blue book.

[tpunx99GSX]

From my brother:

Sounds like a messy night! Anyway, it doesn't sound to me as if Progressive is paying him based on value, but rather based on the fact that they have to split up the 10K among so many vehicles. If that is the case, he can attempt to sue the guy and retain the rest of the money. (that is why you should always carry more than $10k on your policy) If he is simply disputing Progressive's dollar value for he vehicle, he may be able to find some help with the Insurance Comissioners office. THey are part of the MN Dept of Commerce. You can file a complaint with them over the phone or online, I beleive.

If he has his own insurance, he should contact his agent. By filing a claim with his own company, there may be more that can be done to help him maximize his portion of the payout. It's always better to have the insurance companies negotiate amongst each other.


Hope this helps,

Doug

[cmspaz]

I'd go after the guy for the remainder, if nothing else the dude needs to be taught a lesson, maybe having to sell a few major possessions will teach him to act like an adult next time.

[Kevin 1G Drummer]

MN does have a 10k minimum limit for property damage, and that is split up between the 3 cars he hit. When the agent I was talking with gave me the $2500 number, he tried telling me that was the nada value, so I called him on it and provided him the two Craigslist postings. So currently I'm waiting on my copy of the police report and as soon as I have that, if they don't come up with a better offer, I'll be contacting a lawyer and see what my options are.

[LingLing]

Damn Kevin, I'm sorry to hear. It seems like there's more and more people out there have no respect for other people, or people's property. Bullshit. Hope everything goes as smoothly as possible!

[Kevin 1G Drummer]

Well the insurance company came back with an offer of $3600 for my car with a little over $600 buyback offer. So I'll be buying the car back, and I have someone who wants to buy it for $1500 so I should be right about at my $4500 goal when all is said and done. Now I just have to find another car. I'm not entirely sure what I want, but I know it's going to be a manual trans, and RWD. I'd like to not have to take out a loan, but depending on what I can find I may have to.

[TalonTSI95]

also the buy back price is not concrete, try bump them down a bit on it, i got a few hundred off mine, buy back was 1,000 and i offered 600 and they took it. its always worth a shot, worst they can say is no!!

[turbotalon1g]

F-body!!