My vehicle went under water during Katrina. Insurance co. only paid $3000 I owe $9000 what can I do?
149136
You can request for an internal appeal of the decision.  Find multiple sources to confirm your book value of $8000.  If that fails, review your policy for additional appeal process.  If that fails, contact your state Insurance Department for more information on consumer complaints.
1012517
Talk to a lawyer and sue your old insurance company.
947658
Hi, my name is Eunice Saunders and I am an Insurance Agent. Most insurance companies go by the blue book value and it sounds like your car is totaled to me. They will send an Adjuster to look at the damages and he will access the damages and advise the insurance company as to the best way to handle your claim.......remember their title is "adjuster" which means they adjust.......so if you do not agree with their assessment then argue with them.....remember also that the adjuster works for the insurance company and has the best interest of the company and all other policy holders....he does not work for you...although he will want you to think that your best interest is being served...so you look out for your best interest which is to either get your car fixed or get enough money from the deal to bring you back to a financial condition that is comparable to the condition you were in before your car rolled down the drive. So if they give you blue book value you can pay off the loan you owe and buy another vehicle........remember you can not gain from insurance.....meaning you will never get more than what you had to start with. Good Luck! Eunice
772467
That's tough, I'm sorry.  \n\nThey should have contacted you prior to auctioning the car off.  They are also to  send you a notice telling you how much the car was auctioned for and how much you owe after the auction.  I'd request proof that they sent you something.  Being a co-signer they can and will go after you just like they would do your mother.  I'd contact a lawyer and see what he/she says.  There may really be no way of getting out from under it.  Some people would suggest bankruptcy, I don't think you should have to go that extreme unless you have other things you need to get rid of.  How's your credit?  Is this car on it as a negative? Maybe you could get a loan to pay the car off, if this is possible ask the collection agency if they'd accept a settlement.  I'd offer a little over half of the balance.  That way this would be paid and you'd have a new positive account (bank loan) to help repair the damage that's been done by the repossessed car.\nGood Luck.
313071
Call the insurance company that you had at that time and they should be able to pull up the claim history for that. and yes even if you are not a member of that company anymore they can still look it up for you.
1166712
If the damage caused by your neighbour was depreciated from the value of your car before the insurance company issued their final settlment, you should be compensated by your neighbour for that lost value. Should your neighbour reneg on his promise, with proper evidence that your neighbour was responsible for that damage, and proper evidence that your insurance did in fact give you less because of outstanding damage on the car, you should prevail in small claims court and recover your loss.
631212
Without a written quote there isn't anything you can do.  (I would not have purchased the truck at the higher amount, though, I know you had your reasons.)  You can certainly let all your friends, family and acquaintances know that you were screwed around by this dealership and hopefully cost them some business and reputation issues as a result.  You can also write a formal letter of complaint to the owner of the dealership expressing your opinion of how they do business and to let the owner know that you will be telling everyone you know what you think of them.  Perhaps he/she will reconsider as an expression of goodwill and in the interest of customer satisfaction.
106184
You paid to much for the car to start with, suggest you shop around next time. Try getting a couple of different quotes to repair the car sounds mighty high for repairs for just a fender bender.
784542
It was an accident.  File it under insurance.
192804
Log on to WWW.FEMA.GOV.  They list how to get help not only from  FEMA but other resources as well.  I am a Katrina survivor.  My mother, sister and I were in our house in Pass Christian when the tidal surge took it and we went out the upstairs windows.  We spent 11 hours in the water. GOOD LUCK to you.
367151
In 1998 mine was just shy of $20,000 after all the bills came in.  I had insurance.  Try bargaining for a cash discount.  Insurance companies get big discounts, never hurts to try.
1091297
I hate to tell you this but hire an attorney.  I couldn't get the insurance company who was at fault in my wreck to admit responsibility.  The minute I called an attorney I had a rental car and my car was transferred to the collision center.  The exact thing happened to me.  Just hang in there.  I hope it wasn't Geico insurance.  \n\nDespite all the fees the attorney charged me they really helped get the ball rolling.  Good luck!
1120421
Join the crowd.  There are millions of us.  \n\nFirst of all I would keep a close eye on my credit reports.\n\nI am not sure I would sue.  If it comes to that, more than likely there will be a class action suit.  Great!  Lawyers will get rich and you will get $4.22 for your efforts.\n\nCheck to see what kind of damage has been sustained if any.
116380
Call the insurance company.
922518
You have probably confessed to the officer and have clearly confessed to the insurance co.\n\nMake retributions to the car owner quickly, and get receipts.\n\nThen be forth-coming with the prosecutor, and seek mercy.  If you show regret, bear responibility, the prosecutor could easily drop all penalties, and offer a bargain.
838164
You could contact the salvation army and see if they could assist you in getting this vehicle back or providing another. They have tonsof resources available as does United Way and others.\n\nYou can post a question to this law webite (for free) and get up to 4 responses from attorneys in your area- go to www.lawguru.com\n\nSo sorry to hear this is happening, and so close to Christmas too.
1136524
Contact your legislature and yell like hell. You guys had what? 5 hurricanes last year? The insurance companies are trying to save their own ASSets.