 Insurance issue. Any experts out there? |
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 Jun 24 2009, 08:47 PM
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Advanced Member  Group: Advanced Members Posts: 620 Joined: 24-December 03 From: Chester, VA Member No.: 22  |
The engine on my son's '04 Mazda3 was hydrolocked in a storm last Thursday. His insurance company had it towed to a Mazda dealer where they said it had water in the engine. A new engine from Mazda is $7800 installed. According to VA law, because his car is less than 7 years old, AND the damage exceeds 90% of the actual cash value prior to the damage, it will become a "nonrepairable vehicle". That means if he takes salvage on the car, he can't put it on the road. His insurance company is required to tell DMV and they will void the title, and remove the tags. I could understand it had the car rolled over, or hit a tree, but not for mechanical problems. Any insurance experts out there?
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Jul 14 2009, 02:15 PM
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Experienced Member Group: Advanced Members Posts: 1,766 Joined: 10-April 04 From: New Orleans, LA Member No.: 303 |
Check VA laws and your own policy. I'll bet $1000 that you can take it to any shop you want.
Here in LA, you can do that. Certain companies have shops that are "certified", but those are just shops the company would rather you take them to. They allow you to take it to 3 shops, and then choose the estimate that you want to use. If you really want to yank their chain, start drafting a complaint to your state Department of Insurance. Ask them for their advice on what the law says and their interpretation of it. Be careful of using the "lawyer" word. As soon as a lawyer contacts them on your behalf, they will stop talking to you. They'll only talk to your lawyer. And only through their lawyer. This post has been edited by 00 Trans Ram: Jul 14 2009, 02:17 PM |
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Posts in this topic
rpoz-29 Insurance issue. Any experts out there? Jun 24 2009, 08:47 PM
CamaroFS34 I sent this thread to a friend of mine who works f... Jun 24 2009, 11:40 PM rpoz-29 The price of $7800.00 was from the dealer. Th... Jun 25 2009, 01:38 AM marka Howdy,
I don't know if he or you is mechanica... Jun 25 2009, 01:53 PM ERVRCG Sounds like the makings of a good track car. Jun 25 2009, 02:53 PM rpoz-29 Mark, the issue is this "non-rebuildable... Jun 25 2009, 10:36 PM
77chevy Are you sure the title isn't marked 'Salva... Jun 26 2009, 01:36 AM rpoz-29 The headers are holding up fine. As for the car, u... Jun 27 2009, 01:38 PM CamaroFS34 QUOTE (rpoz-29 @ Jun 27 2009, 09:38 ... Jun 27 2009, 04:17 PM rpoz-29 Good thinking Karen, and I'll ask around. But ... Jun 27 2009, 06:13 PM Todd QUOTE (rpoz-29 @ Jun 24 2009, 04:47 ... Jul 14 2009, 01:39 PM rpoz-29 He ended up taking the loss, and took the $7,... Jul 14 2009, 10:05 PM |
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