battling the insurance co
#1
Hills!
Thread Starter
battling the insurance co
Had a situation last week where a car turned left in front of me and I couldn't stop before hitting the passenger side of the car. CF bike is toast. My state is one of the few that employs contributory negligence rather than comparative negligence law
The ins co says the cost to repair my bike exceeds its value, so all they're offering is to pay current value.
I am not a happy camper. The driver even admitted she did not see me.
What options do I have other than a costly and time consuming legal battle? Somehow I just knew the ins co wasn't going to play nice.
The ins co says the cost to repair my bike exceeds its value, so all they're offering is to pay current value.
I am not a happy camper. The driver even admitted she did not see me.
What options do I have other than a costly and time consuming legal battle? Somehow I just knew the ins co wasn't going to play nice.
#2
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How's your neck and back? Sometimes the pain and suffering shows up later, after the inital healing occurs.
#4
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Not an attorney....however, I do not think this is a negligence issue but a matter of what is statutory requirement under state law for the insurance company to pay or what are the regulatory rules for insurance companies. For an extreme example, you own an old Porsche that you paid a couple of grand for and someone at fault totals your car. Are you eligible for a new Porsche 911 worth $100K? In that case the insurance company will go to the blue book value of your old car and offer you the blue book value which I believe will be in line for most states rules / laws. Insurance is a highly regulated industry.
For a bicycle it is less clear. What is the value of your current bicycle? Well, there is no published blue book price. There are no used bicycle dealers per se.
I would argue that you have a relatively new CF bike and request a replacement. I would go to a bike shop and get a quote for a replacement bike just like yours no better or worse at the correct price and send it to the insurance company. When they have an actual fair quote in hand with an intention from from you to settle, they will probably pay the invoice and require a release. Good luck.
For a bicycle it is less clear. What is the value of your current bicycle? Well, there is no published blue book price. There are no used bicycle dealers per se.
I would argue that you have a relatively new CF bike and request a replacement. I would go to a bike shop and get a quote for a replacement bike just like yours no better or worse at the correct price and send it to the insurance company. When they have an actual fair quote in hand with an intention from from you to settle, they will probably pay the invoice and require a release. Good luck.
Last edited by Hermes; 08-05-08 at 10:29 AM.
#5
aka Phil Jungels
Just the mention of going to see a doctor, and a lawyer, is usually enough to get the adjuster, or their boss, off dead center.
Tell them you thought this was going to be easier to settle out of court!
Tell them you thought this was going to be easier to settle out of court!
#6
Hills!
Thread Starter
Good suggestion Hermes.
The Trek CF bike currently available that is closest to my Pilot 5.2 is a Madone 5.2 ($3350). The insurance company knows this. I bought my 2006 Pilot in August 2007, so it was right at 11 months old at the time of the accident.
The ins co also knows the cost to repair my bike is $2000. They tell me it is worth about $1500 and that is their settlement offer.
I see no option but to seek legal counsel (which I've done informally) but prior to knowing the above.
BTW, your example puts perspective on this. All I'm asking is to be made whole in a reasonable time frame. This does not even come close in my book. But I have a lot of emotion invested in this too.
I figure others in this forum have had the distinct *pleasure* of dealing with ins co's in this situation. Curious what others have encountered in this battle. Do ANY insurance co's play nice?
The Trek CF bike currently available that is closest to my Pilot 5.2 is a Madone 5.2 ($3350). The insurance company knows this. I bought my 2006 Pilot in August 2007, so it was right at 11 months old at the time of the accident.
The ins co also knows the cost to repair my bike is $2000. They tell me it is worth about $1500 and that is their settlement offer.
I see no option but to seek legal counsel (which I've done informally) but prior to knowing the above.
BTW, your example puts perspective on this. All I'm asking is to be made whole in a reasonable time frame. This does not even come close in my book. But I have a lot of emotion invested in this too.
I figure others in this forum have had the distinct *pleasure* of dealing with ins co's in this situation. Curious what others have encountered in this battle. Do ANY insurance co's play nice?
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Sue the driver in small claims court. The driver's insurer indemnifies the driver. I believe this is true even in No Fault. If you accept no fault you may wave your right to sue.
They are evidently giving you the value of your used bike, and letting you keep what's left which seems fair to me.
They are evidently giving you the value of your used bike, and letting you keep what's left which seems fair to me.
#8
Hills!
Thread Starter
Actually, I did that. And they lowered their settlement offer from 2k to 1.5k. So now the fun begins.
#9
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For 2K you should be able to get a crash replacement frame from Trek or a different frame if you prefer and build it up using the salvageable parts from the old bike and replacing what you have to. What components are still good? Are both wheels toast?
#10
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Good suggestion Hermes.
The Trek CF bike currently available that is closest to my Pilot 5.2 is a Madone 5.2 ($3350). The insurance company knows this. I bought my 2006 Pilot in August 2007, so it was right at 11 months old at the time of the accident.
The ins co also knows the cost to repair my bike is $2000. They tell me it is worth about $1500 and that is their settlement offer.
I see no option but to seek legal counsel (which I've done informally) but prior to knowing the above.
BTW, your example puts perspective on this. All I'm asking is to be made whole in a reasonable time frame. This does not even come close in my book. But I have a lot of emotion invested in this too.
I figure others in this forum have had the distinct *pleasure* of dealing with ins co's in this situation. Curious what others have encountered in this battle. Do ANY insurance co's play nice?
The Trek CF bike currently available that is closest to my Pilot 5.2 is a Madone 5.2 ($3350). The insurance company knows this. I bought my 2006 Pilot in August 2007, so it was right at 11 months old at the time of the accident.
The ins co also knows the cost to repair my bike is $2000. They tell me it is worth about $1500 and that is their settlement offer.
I see no option but to seek legal counsel (which I've done informally) but prior to knowing the above.
BTW, your example puts perspective on this. All I'm asking is to be made whole in a reasonable time frame. This does not even come close in my book. But I have a lot of emotion invested in this too.
I figure others in this forum have had the distinct *pleasure* of dealing with ins co's in this situation. Curious what others have encountered in this battle. Do ANY insurance co's play nice?
Some insurance companies do "play nice". My daughter was rear-ended a few years ago while driving my Mustang. The other driver was in a Bronco and the front end of it came to rest directly behind the driver's seat of my Mustang The other insurance company only wanted to pay blue book value. After I presented them my invoice for a new engine that had recently been installed in the Mustang (good body, bad teenage drivers) they gave me $1200 over blue book.
Can you salvage any components from your bike? Maybe the insurance company would spring for a new frame and labor by your LBS to reassemble it.
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#11
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Problem is there IS no Kelly blue book or similar reference for "current value" of bikes.
And as far as insurance adjusters go, this is a LITTLE claim, even if it is an expensive bike.
Don't expect them to be nice, but you can expect them to be fair. I suggest finding some eBay completed ads for similar bikes, similar ages, similar components, relatively local and tell the insurance company what YOU think is the current value. They really don't want to spend much time on this so if you write a persuasive letter with some documentation and you don't look like a gold-digger they'll probably go for it.
I hope that the driver was charged with a traffic violation and that her insurance goes up.
And as far as insurance adjusters go, this is a LITTLE claim, even if it is an expensive bike.
Don't expect them to be nice, but you can expect them to be fair. I suggest finding some eBay completed ads for similar bikes, similar ages, similar components, relatively local and tell the insurance company what YOU think is the current value. They really don't want to spend much time on this so if you write a persuasive letter with some documentation and you don't look like a gold-digger they'll probably go for it.
I hope that the driver was charged with a traffic violation and that her insurance goes up.
#12
Senior Member
When I had my last little mishap vs a car, my insurance company told me that 10% per year was considered a fair depreciation number for a bicycle. Not 25%. If $1500 is all they'll give you, then tell them you expect to salvage what you can off the old one. Not trade parts, GET parts.
#13
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Sue the driver in small claims court. The driver's insurer indemnifies the driver. I believe this is true even in No Fault. If you accept no fault you may wave your right to sue.
They are evidently giving you the value of your used bike, and letting you keep what's left which seems fair to me.
They are evidently giving you the value of your used bike, and letting you keep what's left which seems fair to me.
My LBS is always getting insurance claims paid out for customers and they handle the claim- New Bike every time if the bike is less than 2 years old. UK law will differ to the US though.
Any injuries occur after the ride? Or previous ones antagonised.
Sounds as though the insurance Co is working to the 50% of original retail for the payment out- They never realise that a bike is never bought S/H- or at least not one of this quality.
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#14
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One of my coworkers was left hooked on his brand new Look custom build. He required the services of a Lawyer and 9 months to change their mind about the low ball offer. The average insurance company in the US today has a payout rate of less than $0.25 for every dollar paid in. Somebody's got to pay the CEO.
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#15
Hills!
Thread Starter
Sue the driver in small claims court. The driver's insurer indemnifies the driver. I believe this is true even in No Fault. If you accept no fault you may wave your right to sue.
They are evidently giving you the value of your used bike, and letting you keep what's left which seems fair to me.
They are evidently giving you the value of your used bike, and letting you keep what's left which seems fair to me.
Yeah, I'm already frustrated with the process. I've spent the last 2 months working hard to get my conditioning back and lose about 10 lbs riding my bike. So that frustrates me too thinking I'll lose the results of that effort.
Some insurance companies do "play nice". My daughter was rear-ended a few years ago while driving my Mustang. The other driver was in a Bronco and the front end of it came to rest directly behind the driver's seat of my Mustang The other insurance company only wanted to pay blue book value. After I presented them my invoice for a new engine that had recently been installed in the Mustang (good body, bad teenage drivers) they gave me $1200 over blue book.
Can you salvage any components from your bike? Maybe the insurance company would spring for a new frame and labor by your LBS to reassemble it.
Can you salvage any components from your bike? Maybe the insurance company would spring for a new frame and labor by your LBS to reassemble it.
#16
Hills!
Thread Starter
Problem is there IS no Kelly blue book or similar reference for "current value" of bikes.
And as far as insurance adjusters go, this is a LITTLE claim, even if it is an expensive bike.
Don't expect them to be nice, but you can expect them to be fair. I suggest finding some eBay completed ads for similar bikes, similar ages, similar components, relatively local and tell the insurance company what YOU think is the current value. They really don't want to spend much time on this so if you write a persuasive letter with some documentation and you don't look like a gold-digger they'll probably go for it.
I hope that the driver was charged with a traffic violation and that her insurance goes up.
And as far as insurance adjusters go, this is a LITTLE claim, even if it is an expensive bike.
Don't expect them to be nice, but you can expect them to be fair. I suggest finding some eBay completed ads for similar bikes, similar ages, similar components, relatively local and tell the insurance company what YOU think is the current value. They really don't want to spend much time on this so if you write a persuasive letter with some documentation and you don't look like a gold-digger they'll probably go for it.
I hope that the driver was charged with a traffic violation and that her insurance goes up.
When I had my last little mishap vs a car, my insurance company told me that 10% per year was considered a fair depreciation number for a bicycle. Not 25%. If $1500 is all they'll give you, then tell them you expect to salvage what you can off the old one. Not trade parts, GET parts.
Small claims court works over here aswell. You will be out of pocket by $500 if you don't- and get an Independant Valuation on your bike- Low milage- excellent condition- Upgraded parts etc.
My LBS is always getting insurance claims paid out for customers and they handle the claim- New Bike every time if the bike is less than 2 years old. UK law will differ to the US though.
Any injuries occur after the ride? Or previous ones antagonised.
Sounds as though the insurance Co is working to the 50% of original retail for the payment out- They never realise that a bike is never bought S/H- or at least not one of this quality.
My LBS is always getting insurance claims paid out for customers and they handle the claim- New Bike every time if the bike is less than 2 years old. UK law will differ to the US though.
Any injuries occur after the ride? Or previous ones antagonised.
Sounds as though the insurance Co is working to the 50% of original retail for the payment out- They never realise that a bike is never bought S/H- or at least not one of this quality.
Injuries appear minor. Still getting some new aches and pains that show up. I'm fortunate in many ways. Would have been much more fortunate had I seen her coming and missed the crash altogether.
One of my coworkers was left hooked on his brand new Look custom build. He required the services of a Lawyer and 9 months to change their mind about the low ball offer. The average insurance company in the US today has a payout rate of less than $0.25 for every dollar paid in. Somebody's got to pay the CEO.
I also wonder if it would change anything if the ins co finds out my frame is only 4 months old. It was replaced earlier this year due to a crack in the seat post. I picked it up March 15th after the repair.
#17
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Atty's cost them about $500 an hour over all plus they will have to pay your Atty so, just ask when your nice shiny new bike will be in your front yard or where does my Atty contact you all.
Don't smile, be nice or even say another work, just state you case and walk off.
THEN DO IT IF YOU HAVE TOO, I'm sure he will also have a doctor for you to see.
Don't smile, be nice or even say another work, just state you case and walk off.
THEN DO IT IF YOU HAVE TOO, I'm sure he will also have a doctor for you to see.
#18
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Attorney "threats" don't seem to do well - just raise hackles.
Generally a clear and very well supported demand letter with documentation works wonders. If you don't like the result, make a counter with reasons. If the result is still unsatisfactory, present your case in court. That seems to be the system.
Generally a clear and very well supported demand letter with documentation works wonders. If you don't like the result, make a counter with reasons. If the result is still unsatisfactory, present your case in court. That seems to be the system.
#19
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Attorneys who handle insurance defense matters do not get anywhere close to $500 dollars an hour.
No, they won't. The original poster will have to pay his own attorney.
On lawyer shows on TV, that approach works great. In real life, smiling and being nice can go a long with a claims handler.
plus they will have to pay your Atty
Don't smile, be nice or even say another work, just state you case and walk off.
#20
Senior Member
Other idea: My homeowner's insurance will replace my bikes with no deductible and no depreciation. Check your personal insurance; maybe they will pay you and then THEY'LL go after the other insurance company.
#21
Hills!
Thread Starter
Usually, they want a complete bike back, even if it's in pieces. So if you salvage Dura-Ace stuff off the wrecked bike, they expect you to replace it, even if it's only with the Sora stuff from your new bike. Letting you HAVE the old components probably won't cost them anything, since they're probably just going to throw them away; and that may offset the loss they're expecting you to bear. That, of course, brings up another course of action: if the components on the wrecked bike are OK, get a new bike with a cheaper groupo, opt for better wheels, and then swap your old, nicer components back in.
Other idea: My homeowner's insurance will replace my bikes with no deductible and no depreciation. Check your personal insurance; maybe they will pay you and then THEY'LL go after the other insurance company.
Other idea: My homeowner's insurance will replace my bikes with no deductible and no depreciation. Check your personal insurance; maybe they will pay you and then THEY'LL go after the other insurance company.
Regarding the ins co and the bike, they haven't even come to see it yet. I just think they've decided to play hardball for some reason.
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Last car hit, all I asked for was fair compensation for medical/bike.
Did not use attorney but insurance adjusters claimed I was not hurt.
Had color photos and doctor bills to prove otherwise, withphotos of me naked showing extent of trauma/bruises.
Consecutive adjusters gave me run around for almost a year. Some insurance companies are fair, others are not. They are in busines to minimalize claim$.
Gave insurance company ultimatum: check in the mail by 1st anniversary date or I'd get an attorney and sue.
Adjuster said 'know how much attorneys get? 1/3 of settlement!'
Told him 'you don't understand. Limit of the policy, as it reads, is $25,000. I am now p*ssed off and wil tell attorney to go for the limit and he/she can keep 2/3 of it.'
Got check in the mail couple days later just before the 1 year anniversary date.
Next time, if there is one, I'll go with an attorney . . . no ifs/ands or buts!
Did not use attorney but insurance adjusters claimed I was not hurt.
Had color photos and doctor bills to prove otherwise, withphotos of me naked showing extent of trauma/bruises.
Consecutive adjusters gave me run around for almost a year. Some insurance companies are fair, others are not. They are in busines to minimalize claim$.
Gave insurance company ultimatum: check in the mail by 1st anniversary date or I'd get an attorney and sue.
Adjuster said 'know how much attorneys get? 1/3 of settlement!'
Told him 'you don't understand. Limit of the policy, as it reads, is $25,000. I am now p*ssed off and wil tell attorney to go for the limit and he/she can keep 2/3 of it.'
Got check in the mail couple days later just before the 1 year anniversary date.
Next time, if there is one, I'll go with an attorney . . . no ifs/ands or buts!
#23
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Originally Posted by zonatandem
Last car hit, all I asked for was fair compensation for medical/bike.
Did not use attorney but insurance adjusters claimed I was not hurt.
Had color photos and doctor bills to prove otherwise, withphotos of me naked showing extent of trauma/bruises.
Consecutive adjusters gave me run around for almost a year. Some insurance companies are fair, others are not. They are in busines to minimalize claim$.
Gave insurance company ultimatum: check in the mail by 1st anniversary date or I'd get an attorney and sue.
Adjuster said 'know how much attorneys get? 1/3 of settlement!'
Told him 'you don't understand. Limit of the policy, as it reads, is $25,000. I am now p*ssed off and wil tell attorney to go for the limit and he/she can keep 2/3 of it.'
Got check in the mail couple days later just before the 1 year anniversary date.
Next time, if there is one, I'll go with an attorney . . . no ifs/ands or buts!
Did not use attorney but insurance adjusters claimed I was not hurt.
Had color photos and doctor bills to prove otherwise, withphotos of me naked showing extent of trauma/bruises.
Consecutive adjusters gave me run around for almost a year. Some insurance companies are fair, others are not. They are in busines to minimalize claim$.
Gave insurance company ultimatum: check in the mail by 1st anniversary date or I'd get an attorney and sue.
Adjuster said 'know how much attorneys get? 1/3 of settlement!'
Told him 'you don't understand. Limit of the policy, as it reads, is $25,000. I am now p*ssed off and wil tell attorney to go for the limit and he/she can keep 2/3 of it.'
Got check in the mail couple days later just before the 1 year anniversary date.
Next time, if there is one, I'll go with an attorney . . . no ifs/ands or buts!
Originally Posted by speedlever
The adjuster told me she had already searched the internet, Ebay, etc. and was having a hard time establishing the value. I don't know how they came up with their numbers. Thus far, fair has not entered the equation imo.
I also wonder if it would change anything if the ins co finds out my frame is only 4 months old. It was replaced earlier this year due to a crack in the seat post. I picked it up March 15th after the repair.
Also important to note that replacing with a used carbon bike is risky since carbon fiber can conceal evidence of structural defects caused by impacts, and then fail spectacularly without warning. Even if the adjuster could find a "comparable" condition bike (eBay, Craigslist, BikeForums) it would be speculative without expert examination for them to tell you it's as safe as your bike in its pre-collision condition.
One other consideration:
I haven't checked if true for your bike, but some manufacturer warranties only extend to the original purchaser. You would not be the original purchaser of any replacement bike (eBay or other source), so you might also lose the value of any warranty coverage. The expense of buying such coverage (if available) might be reasonable to include in your claim; the alternative is to receive a new bike with included warranty. I'd say that is particularly important for CF frames.
Last edited by Seamless; 08-05-08 at 10:51 PM. Reason: A late thought
#24
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I am a marine surveyor, which means I inspect boats. Most of my work is for insurance companies and I deal with the very same issues as this bicycle case, only with boats. Sometimes I actually work for the insured, but not often, even though insureds would be much better off if they hired surveyors instead of threatening law suits.
Facts presented to the insurance companies by "experts" in the field carry the most weight. Have a quality bicycle shop prepare an honest cost to put you back to the same level bicycle you had at the time of the accident and most insurance companies will work with you at once.
Good luck.
Facts presented to the insurance companies by "experts" in the field carry the most weight. Have a quality bicycle shop prepare an honest cost to put you back to the same level bicycle you had at the time of the accident and most insurance companies will work with you at once.
Good luck.
#25
Hills!
Thread Starter
Thanks for all the suggestions.
My first thrust today will be to explore options with my homeowners insurance. 2nd will be the legal aspect. Sadly, this is not really enough money to justify the costs unless I can get a resolution that covers the cost of my legal expenses.
I've searched ebay and craigslist with little luck. Did find a used 07 model like mine for 1750. So that is probably where the ins co is getting their estimation of current value.
Still, it leaves me without my bike or if I choose to repair it, leaves me in the hole... which hardly makes me whole, so to speak.
And I've spent a bunch of time on this while I'm supposedly on vacation, much to the family's dismay. Aggravation outta be worth something too.
My first thrust today will be to explore options with my homeowners insurance. 2nd will be the legal aspect. Sadly, this is not really enough money to justify the costs unless I can get a resolution that covers the cost of my legal expenses.
I've searched ebay and craigslist with little luck. Did find a used 07 model like mine for 1750. So that is probably where the ins co is getting their estimation of current value.
Still, it leaves me without my bike or if I choose to repair it, leaves me in the hole... which hardly makes me whole, so to speak.
And I've spent a bunch of time on this while I'm supposedly on vacation, much to the family's dismay. Aggravation outta be worth something too.