Ice Damage - Possible total loss

[Rush]

No, I emailed the insurance company yesterday, thank you for asking.

Trying not to be bothersome, though it surprises me that it is taking this long.

[OptimusPriM5]

Originally Posted by Rush

No, I emailed the insurance company yesterday, thank you for asking.

Trying not to be bothersome, though it surprises me that it is taking this long.

Is the shop not doing an assessment of the impacted components or they waiting for the adjuster to show and do it at same time?

[Rush]

Originally Posted by OptimusPriM5

Is the shop not doing an assessment of the impacted components or they waiting for the adjuster to show and do it at same time?

Insurance was there to see the vehicle on Tuesday, 03 March, from there I have not heard another word.

D'oh!

[jsoto]

I have not read the entire thread but what insurance company are you using ?

In all my experieneds, the shop already has a # by the time the adjuster arrived. What ~adjustments~ that need to be agreed upon, it is usually done right on the spot with the shop. The adjuster generally has called me with a update on how much $ when he is at the shop or just the same day, depending on how mobile/appoitments he has.

I've never had such a delay.

[Rush]

And like I said, I'm trying not to be a pain, I need its help, not its cold calculations. Heh.

[Rush]

Originally Posted by jsoto

I have not read the entire thread but what insurance company are you using ?

In all my experieneds, the shop already has a # by the time the adjuster arrived. What ~adjustments~ that need to be agreed upon, it is usually done right on the spot with the shop. The adjuster generally has called me with a update on how much $ when he is at the shop or just the same day, depending on how mobile/appoitments he has.

I've never had such a delay.

Meh. I was leaving details out to preserve the innocent, but what does it matter, really? Either the adjuster or the shop would recognize the car as being in the one in their charge almost instantly if they read this thread.

USAA. I will call tomorrow if I haven't heard anything today.

[jdstrickland]

Originally Posted by jsoto

I have not read the entire thread but what insurance company are you using ?

In all my experieneds, the shop already has a # by the time the adjuster arrived. What ~adjustments~ that need to be agreed upon, it is usually done right on the spot with the shop. The adjuster generally has called me with a update on how much $ when he is at the shop or just the same day, depending on how mobile/appoitments he has.

I've never had such a delay.

The car is not at a body shop though, so they probably do not deal with insurance adjustments and therefore will not have drafted an estimate. This means that the adjuster has to show up and make a list of the damaged components/parts so he can calculate the repair costs, then weigh the results against the value of the car.

I find it very odd that this discussion is even happening. The problem is reportedly a clogged roof drain that resulted in shorted electronics so badly that the car is a total loss. Something here does not pass the smell test, and until there is clarification on exactly what happened, and why, it really is useless to talk about what is or is not covered by insurance.

Am I missing something?

For any insurance coverage, the OP needs to have comp. coverage. Liability will not address this, nor will collision.

[Rush]

Originally Posted by jdstrickland

Am I missing something?

Yes. Many of the posts in this thread.

[bcredliner]

Originally Posted by Rush

Yes. Many of the posts in this thread.

[jsoto]

Rush -

I briefly browsed this thread.

In my experiences, it's always best to have the car at *your shop* and let the adjust and shop work it out. Granted, if you do the latter, and then bring it to the shop, they can file for adjusments, etc - but that just becomes more time increased/delay in the repair.

The shop, if they are decent, will have their initial estimate and then *haggle it out* with the adjuster for items that they think they should be covered for/paid for, and the adjuster does not see it as such....

Yeah, it pads the shops pockets a bit but it does ensure a thorough repair.
This is my experience with at least on the collision/bodywork side of things.

Your situation is unique.....in that it's more electronics, but it should in theory be still cheaper than a loss..