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My new 2004 Top Kick total loss

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Old 09-14-2004, 12:17 PM
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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 ?
you know...thats a damn good question. Dave's much bigger than I am and I always hit my head gettin into the damn car
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Old 09-14-2004, 02:04 PM
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Default Re: My new 2004 Top Kick total loss

Thanks for some of the info. I have contacted my insurance and they are in the process now of seeing what this **** bag is up too.

R Addiction: My back is holding up ok. I got twisted up a little but all my screws and rods are still holding. Thanks for asking. Sonya and Chase are fine it was just me in the truck. There were five cars involved.I was at the tail end the jeep in front of me ran into the back of a BMW and the BMW ran into a truck. I stopped and the next thing I hear metal and glass breaking and I was pushed into the back of the jeep. The drump truck was moving so fast that he also hit the back of the jeep and move the whole row of cars about 20ft.
Know one was seriously hurt just cuts and brusies.

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Old 09-14-2004, 05:56 PM
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Default Re: My new 2004 Top Kick total loss

Damn Dave, if it weren't for bad luck this year you wouldn't have any. Glad to hear you are OK.

Insurance companies are a f*cking scam if you ask me. Get your compnay involved if for nothing more than for advise. Also to keep them in the loop in case you do need their services. I deal with these insurance companies every day trust me you need to keep after them until you get what YOU want. Then go after the trucking company individually.
If you need a replacement my GMC is up for sale

Let me know if I can help in any way

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Old 09-14-2004, 08:13 PM
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Default Re: My new 2004 Top Kick total loss

Daivd sorry to hear of your loss, glad your okay they make new everyday. I would say the trucking company better pick up the GAP, if there is a problem. Good Luck, hope to see you down in florida this winter. I maybe making some hauls that will pass thru your area, I let you know. Steve
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Old 09-15-2004, 12:52 AM
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Default Re: My new 2004 Top Kick total loss

When it comes to these damn insurance companies, sadly the only thing that will get them on the stick is a good "junk yard dog" attorney! If your back has screws and rods, the attorney will get you a lot more than just a new truck. A good one won't cost any more, they take these cases on contingency and I know a good "dog will get this thing settled quickly, without trial and you'll get every thing you deserve!
Good Luck, go gett'um!
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Old 09-15-2004, 02:52 AM
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Default Re: My new 2004 Top Kick total loss

Gap Insurance is for when your upside down in the car.


Tell the Insurance co they are acting in bad Faith . They don't like Bad Faith law suites . State Farm lost a few mill's 20 or 30 on one of these suits.Don't hesitate getting a lawyer involved
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Old 09-15-2004, 08:34 AM
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Default Re: My new 2004 Top Kick total loss

The next time you get in a accident, go to the hospital. You don't have to take the ambulance. Just go there tell them where you hurt and have them check you over. This will get you an additional $1500 that will cover the gap between real value and their "final offer". Yea, I know it's low, but we're only playing by the rules of their game.
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Old 09-15-2004, 08:43 AM
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Default Re: My new 2004 Top Kick total loss

Insurance: you're covered for everything except for what happens.
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Old 09-15-2004, 11:09 AM
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Default Re: My new 2004 Top Kick total loss

Humm, maybe sue the driver of the dump truck in small claims court for the difference between what your insurance company paid and the what you think yours is worth.
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Old 09-16-2004, 08:25 PM
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Default Re: My new 2004 Top Kick total loss

Gap only covers what you OWE.
If you wrote a check for the truck, then there's no place for Gap.

I DO know a guy who borrowed money from his dad for a car note - did it all legal with proper paperwork, etc. Paid competitive interest rate, etc. Ended up totalling the car a year later and ran into this same problem. Insurance said he should've gotten a gap policy. He said that was stupid cause it was money from his DAD. Insurance said "so what?" If he is the listed lienholder and there is a paper loan contract then a Gap policy would pay to him just like FoMoCredit, etc.

This brings up an interesting concept...
Borrow the money from your WIFE. List her as lienholder. Get gap insurance.

Just an idea for the future..

My last vehicle total experience was dealt with on the uninsured/underinsured portion of my policy. It wasn't my fault, but the other party's policy didn't cover the damages. It was a pretty painless ordeal. They offered me $5k less than NADA. I faxed them NADA and they adjusted to the book and offered a check for that amount (plus itemized personal effects that were damaged). 18 months later they sent me a check for the recovered deductible from their claim against the others..

Pretty painless. Allstate.
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