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2007 Prius totaled, now fighting with insurance..need help

Discussion in 'Gen 2 Prius Main Forum' started by narf, May 17, 2008.

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  1. narf

    narf Active Member

    Joined:
    Mar 15, 2005
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    Location:
    Colorado
    Vehicle:
    2016 Prius
    Model:
    Four Touring
    Well. the resolution to this mess couldn't have gone better. Once I turned things over to my insurance carrier things went much better. They reinspected the car, once they got to $15,000 in repair costs they decided to total out the car.

    Their initial offer (for a 2007 Package 5 Touring with 23,000 on it) was around $23,000). I made the argument that that price was pre-$4.00 gas, and now cars like mine were going for orignal MSRP or more. They did a bit more research (which I think was mostly looking on Autotrader.com) and agreed with me. The result was that that yesterday I signed the papers and will receive a check for within $500 of what I originally paid for the car INCLUDING tax. This was significantly more than I had asked for or expected, and about $7,000 more than the other guy's insurance company had offered. They didn't make me jump through any hoops or provide documented proof of multiple sales like the other company wanted.

    This means that my new 2008 Prius Touring package 6 won't cost me a thing, and in fact after the Colorado Rebate I'll end up with some cash in my pocket.

    What have I learned?

    1. Deal with your own insurance company if you can.
    2. Farmers will have my business for life
    3. AIG sucks.
     
    #21 narf, Jun 19, 2008
  2. lfwintx

    lfwintx New Member

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    That's wonderful news! Thanks for telling us how it ended.
     
    #22 lfwintx, Jun 19, 2008
  3. Tammy7287

    Tammy7287 Junior Member

    Joined:
    May 27, 2008
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    Location:
    Maple Valley, WA
    Vehicle:
    2012 Prius
    Model:
    Four
    That's great to hear. You know the other insurance company was hoping that you'd drop it or not push so hard if you had to all the research yourself.
     
    #23 Tammy7287, Jun 19, 2008
  4. patsparks

    patsparks An Aussie perspective

    Joined:
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    Location:
    Adelaide South Australia
    Vehicle:
    2004 Prius
    Model:
    N/A
    Narf, good to hear you got a good outcome.

    Rule 1 after an accident is never deal with the other guy's insurance company.
    Rule 2, Before an accident always get the best insurance you can afford from the best company.
    This is why I have a protected rating 1 with the RAA Insurance which is the best in South Australia and by having my house insured with them I get a further 10% discount. I have all my insurance with them, except the bike because they don't insure bikes over 600cc. That is 3 cars, home and contents. If they did health insurance I go to them for that too.
     
    #24 patsparks, Jun 19, 2008
  5. echase

    echase New Member

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    Congradulations on getting a respectable offer.

    I am in a similar situation myself, this weekend my wife was rear-ended (she's OK), but it was hit-and-run. We have uninsured motorist coverage, with no deductible, and our company has just totaled the vehicle. I'm waiting for insurance (21st, now owned by AIG) to lowball me, and go through the same process.

    I'll be starting a new thread, and appreciate any advice to help in being "mad whole"
     
    #25 echase, Jun 19, 2008
  6. JimboK

    JimboK One owner, low mileage

    Joined:
    May 1, 2006
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    Location:
    Chesterfield, VA
    Vehicle:
    2005 Prius
    That certainly should get results (as Narf can attest to), but after the last wreck I was involved in (10+ years ago), the other party's insurance company seemed to bend over backwards to satisfy. She was drunk and swerved across two lanes before hitting me while I was stopped at a light. Fortunately it was just a glancing blow at low speed (my car was still drivable), and most importantly no one was hurt. But I figured her company was doing swift damage control nonetheless -- and it worked. I got my car fixed promptly at a body shop of my choosing.
     
    #26 JimboK, Jun 19, 2008
  7. Tdoff1

    Tdoff1 New Member

    Joined:
    May 20, 2008
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    Location:
    VA
    Vehicle:
    2007 Prius
    j
     
    #27 Tdoff1, Jun 20, 2008
  8. ualdriver

    ualdriver Member

    Joined:
    Mar 27, 2008
    358
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    Location:
    Midwest US
    Vehicle:
    2012 Prius Plug-in
    Model:
    Plug-in Advanced
    A little thread drift but what is the Colorado rebate?
     
    #28 ualdriver, Jun 21, 2008
  9. pdhenry

    pdhenry It's HEEERE!

    Joined:
    May 26, 2008
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    Location:
    PA
    Vehicle:
    2008 Prius
    Colorado -- Alternative Fuel Income Tax Credits

    Interesting that they pick up most of the delta between a base and a Touring...
     
    #29 pdhenry, Jun 21, 2008
  10. Doc Willie

    Doc Willie Shuttlecraft Commander

    Joined:
    Jun 27, 2007
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    Location:
    Out there, somewhere
    Vehicle:
    2007 Prius
    No car needs to be invisible. Paint, vinyl, and Scotchlite can fix anything. You just have to be willing to use your creativity to find something you will like and be willing to be seen in.

    Getting older and not giving a $#!+ what other people think helps.
     
    #30 Doc Willie, Jun 21, 2008
  11. ualdriver

    ualdriver Member

    Joined:
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    Location:
    Midwest US
    Vehicle:
    2012 Prius Plug-in
    Model:
    Plug-in Advanced
    #31 ualdriver, Jun 21, 2008
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