Well the insurance company finally called...

I just went though this with my wife's car. After this email they paid everything I had asked for without any further discussion and we retained the car.

Mr. xxxxxx,


I just want to be treated fairly and put back whole like I was before your insured accidently ran in to the back of our car. I am a very fair person and am not looking for a windfall but I don't feel like your company is treating us fairly. Your numbers don't work with the real world values of what these cars in the same pre-accident condition are selling for everyday. I think your company is doing its best to stay at the $xxxx value so it can retain the 20% salvage value instead of the 15% salvage value. The car's future value will be further damaged even after it is repaired by the Carfax report which should be filed.


I can't replace our car for $xxxx. From what you said you are seeing $xxxx to $xxxx so I don't believe you can either. $xxxx to $xxxx is the same price range I am seeing for cars in similar body condition but the mechanicals would have to be gone over. They aren't staying on the market long at that price. I am also finding some as high as nearly $xxxx but that certainly isn't the real world value.


Also any offer to total the vehicle must include the fees under the following Oklahoma statute OK ST T.36 s1250.8 [ame="https://www.sos.ok.gov/documents/legislation/52nd/2010/2R/HB/3213.pdf"]https://www.sos.ok.gov/documents/legislation/52nd/2010/2R/HB/3213.pdf[/ame]


Again, I am not looking for a windfall but I do expect to be compensated fairly by your company. I would hope to be able to come to a reasonable settlement that is fair to both parties in this claim.

Educate yourself and hand them all government links that prove your claim. They hate working with an educated person.