Hi,
i'm looking for any seasoned advice on my situation. To be concise, I had my first ever car accident a couple of weeks ago where I lost control on a very dark, very narrow street. It was a crazy accident where the car flipped and then caught on fire. Obviously the most important thing is that I got out and although I have some injuries, they aren't life threatening and I should fully recover. With that being said, my car was a 2007 Dodge Charger which was in exceptional condition.
It didn't have a scratch or smudge prior to the accident and people at the dealer or places I get my car services as well as any neighbors in my area could/would easily confirm this. Because the car was totaled due to the fire the adjuster claims prior condition cant be fully examined. I said you can clearly see parts of the car that weren't involved in the accident as well as parts of the interior and tell it was in excellent shape. He disagreed and his assessment came back as average on all aspects.
I also purchased a set of Brand new tires about 4 months ago which I have the receipt for and which were in excellent condition (only have about 3k miles on them) and those too he put as just average. Anyway, because this was my first ever new car I put things into the car over the years. Sound system, cold air intake, upgraded Borla exhaust, etc. The total amount of parts added to the car for the 3 years I owned it add up to ~$5200 which include the $1100 Brand new Michelin Tires just put on a few months ago.
I have all receipts for these items and faxed them to the Geico Adjuster so he could verify each of the parts.
The adjuster said because I didn't have "ENDORESEMENTS" with Geico that the most he is willing to do is increase the settlement offer $584. Obviously I was upset wtih this as that offer is an insult. Obviously now I am aware of what endoresements are and in the future should I ever add anything with any value to another car i'll get them without a thought.
The question I have though is what negotiating power do I have with this Geico adjuster? I mean, I know I can"t expect full value on these items without the endorsements but the Value of my car absolutely was increased because of them and as I mentioned, on top of this they are not giving me outstanding or exceptional in ANY category when EVERY category was considered outstanding by every definition from Edmunds, Kelly and NADA.
So I'm asking for help here in the best way to negotiate at least a REASONABLE amount for either the outstanding condition my car was in prior to this accident or a reasonable number for the more then $5,000 over 3 years that I put into my car? Any help or advice here would be GREATLY appreciated. Thank anyone with any assistance they're willing to offer in advance.
i'm looking for any seasoned advice on my situation. To be concise, I had my first ever car accident a couple of weeks ago where I lost control on a very dark, very narrow street. It was a crazy accident where the car flipped and then caught on fire. Obviously the most important thing is that I got out and although I have some injuries, they aren't life threatening and I should fully recover. With that being said, my car was a 2007 Dodge Charger which was in exceptional condition.
It didn't have a scratch or smudge prior to the accident and people at the dealer or places I get my car services as well as any neighbors in my area could/would easily confirm this. Because the car was totaled due to the fire the adjuster claims prior condition cant be fully examined. I said you can clearly see parts of the car that weren't involved in the accident as well as parts of the interior and tell it was in excellent shape. He disagreed and his assessment came back as average on all aspects.
I also purchased a set of Brand new tires about 4 months ago which I have the receipt for and which were in excellent condition (only have about 3k miles on them) and those too he put as just average. Anyway, because this was my first ever new car I put things into the car over the years. Sound system, cold air intake, upgraded Borla exhaust, etc. The total amount of parts added to the car for the 3 years I owned it add up to ~$5200 which include the $1100 Brand new Michelin Tires just put on a few months ago.
I have all receipts for these items and faxed them to the Geico Adjuster so he could verify each of the parts.
The adjuster said because I didn't have "ENDORESEMENTS" with Geico that the most he is willing to do is increase the settlement offer $584. Obviously I was upset wtih this as that offer is an insult. Obviously now I am aware of what endoresements are and in the future should I ever add anything with any value to another car i'll get them without a thought.
The question I have though is what negotiating power do I have with this Geico adjuster? I mean, I know I can"t expect full value on these items without the endorsements but the Value of my car absolutely was increased because of them and as I mentioned, on top of this they are not giving me outstanding or exceptional in ANY category when EVERY category was considered outstanding by every definition from Edmunds, Kelly and NADA.
So I'm asking for help here in the best way to negotiate at least a REASONABLE amount for either the outstanding condition my car was in prior to this accident or a reasonable number for the more then $5,000 over 3 years that I put into my car? Any help or advice here would be GREATLY appreciated. Thank anyone with any assistance they're willing to offer in advance.
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