Like Tree0Likes

My new 2004 Top Kick total loss

Reply
Old 09-14-2004, 10:31 AM
  #11
Registered
 
Sloman's Avatar
 
Join Date: Sep 2003
Location: Crownsville, Maryland
My Boats: 2002 Sonic 31
Posts: 452
Default Re: My new 2004 Top Kick total loss

I would get your Agent involved especialy if went out bought a new truck and you Agent who is supposed to look out for you never mention the word Gap to you. When I got new truck the first thing they said to me was get GAP, good luck.
Sloman is offline  
Reply With Quote
Old 09-14-2004, 10:44 AM
  #12
Registered
 
GLENNS's Avatar
 
Join Date: Aug 2003
Location: Bettendorf,Ia
My Boats: 99 SLINGSHOT 500EFI'S
Posts: 101
Default Re: My new 2004 Top Kick total loss

If the accident was not your fault it is the other drivers insurance company you are going round with correct? Always hold out when the liability issue is on your side. I presume your truck is totaled? (hope your ok) Anyway in many instances I have customers with major damage to a vehicle that the insurance company wants to fix instead of replace. I have written many letters to insurance companies explaining the vehicles now diminished value due to extensive damage, paintwork, etc. almost always been able to get something significant from insurance company for this. But it helps alot when the liability is on the other side, because then you were not the cause of the diminished value situation.
GLENNS is offline  
Reply With Quote
Old 09-14-2004, 10:50 AM
  #13
jtmiller02
Guest
 
Posts: n/a
Default Re: My new 2004 Top Kick total loss

Fight them, i've been fighting 2 insurance companies for almost a year, they will do everything in their power to screw you. I had my new truck for 7 days and got t-boned, now almost a year and about $15,000 in repairs later it still isn't fixed right. They have tried to screw me on every single angle, even the 3 different rentals I've had to have. Tens of thousands in doctor bills and you would think, ok well this little rental thing is only a few hundred bucks, they'll just take care of it and not fight, WRONG! They try to nickel and dime you every time.

You just have to fight back, if someone hit you, you have the power. They probably have a $1 mil. liability policy on a dump truck, just be sure to remind the insurance company of that when they are trying to screw you out of a few hundred bucks.

And if you have to sue, do it, its terrible that it has to be that way, and I'm not a "sue happy" person at all, but even when you are right, they still fight you. You might have to wait a couple years on all the morons who spilled their coffee before you get your day in court, but you will win if you are right and have a good lawyer.
 
Reply With Quote
Old 09-14-2004, 10:51 AM
  #14
AT Cult Member #3
VIP Member
 
R Addiction's Avatar
 
Join Date: Oct 2000
Location: Pa.
My Boats: '99 Active Thunder Tantrum
Posts: 20,687
Default Re: My new 2004 Top Kick total loss

Quote:
Originally Posted by bajabob38
How are you going to get that big ass into a vet ?

LMFAO!!!! Almost fell off my chair with that one!!! Sorry Dave BUTT that is funny (no pun intended) Alright maybe a little!!
R Addiction is offline  
Reply With Quote
Old 09-14-2004, 10:55 AM
  #15
AT Cult Member #3
VIP Member
 
R Addiction's Avatar
 
Join Date: Oct 2000
Location: Pa.
My Boats: '99 Active Thunder Tantrum
Posts: 20,687
Default Re: My new 2004 Top Kick total loss

Dave, Sorry to hear this!! Hows the back? Good luck with the insurance/theives.
R Addiction is offline  
Reply With Quote
Old 09-14-2004, 11:37 AM
  #16
Registered
 
DaveP's Avatar
 
Join Date: Oct 2000
Location: Toms River, NJ
My Boats: 2004 36 Concept
Posts: 2,740
Default Re: My new 2004 Top Kick total loss

Quote:
Originally Posted by bajabob38
How are you going to get that big ass into a vet ?
Who you calling big ass? BIG ASS!
DaveP is offline  
Reply With Quote
Old 09-14-2004, 11:41 AM
  #17
Registered
 
mr_velocity's Avatar
 
Join Date: Apr 2002
Posts: 3,084
Default Re: My new 2004 Top Kick total loss

Quote:
Originally Posted by GLENNS
If the accident was not your fault it is the other drivers insurance company you are going round with correct? Always hold out when the liability issue is on your side. I presume your truck is totaled? (hope your ok) Anyway in many instances I have customers with major damage to a vehicle that the insurance company wants to fix instead of replace. I have written many letters to insurance companies explaining the vehicles now diminished value due to extensive damage, paintwork, etc. almost always been able to get something significant from insurance company for this. But it helps alot when the liability is on the other side, because then you were not the cause of the diminished value situation.
Exactly, always go after the other company you'll get 100% of what you want.
mr_velocity is offline  
Reply With Quote
Old 09-14-2004, 11:41 AM
  #18
Registered
 
DaveP's Avatar
 
Join Date: Oct 2000
Location: Toms River, NJ
My Boats: 2004 36 Concept
Posts: 2,740
Default Re: My new 2004 Top Kick total loss

Quote:
Originally Posted by R Addiction
LMFAO!!!! Almost fell off my chair with that one!!! Sorry Dave BUTT that is funny (no pun intended) Alright maybe a little!!
HA HA HA What are you laughing at M_________ F_________?
DaveP is offline  
Reply With Quote
Old 09-14-2004, 11:51 AM
  #19
Gold Member
Gold Member
 
Iggy's Avatar
 
Join Date: Jan 2001
Location: Kissimmee, Florida
My Boats: '88 Formula F-206 LS
Posts: 4,155
Default Re: My new 2004 Top Kick total loss

Gap insurance is a good thing to have.
My daughter managed to total two cars this year. Both about three months apart. Neither of which were her fault.
For her, she owed more on the first car than it was worth and her gap ins. covered the difference. No worries. The second car she owned for all of two weeks. Luckily for her the value of that car was more than the loan and the gap coverage wasn't needed.

I know it sounds stupid to have insurance on your insurance (actuall it on the loan) but when a vehicle is upside down on a loan it pays to have it if it is ever totaled. Not everyone can afford to plunk down a hefty down payment.
I myself could not stand to pay for a vehicle to sit in a junk yard.
Iggy is offline  
Reply With Quote
Old 09-14-2004, 11:51 AM
  #20
Registered
 
45sonic's Avatar
 
Join Date: Dec 2002
Location: Northern VA
My Boats: '00 45 Sonic
Posts: 3,401
Default Re: My new 2004 Top Kick total loss

Sorry to hear that David. Hope you, Sonya or Chase didn't get hurt in the accident!!

Patti and Bill
45sonic is offline  
Reply With Quote
Reply

Related Topics
Thread
Thread Starter
Forum
Replies
Last Post
BZ
Trucks, Trailers and Transportation
32
09-28-2005 10:57 PM
DaveP
General Boating Discussion
15
06-07-2004 04:17 PM
WILDTHING TAZ
General Boating Discussion
7
05-27-2004 02:59 PM



Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On



All times are GMT -5. The time now is 10:13 PM.


Copyright 2011 OffShoreOnly. All rights reserved.