What is his company going to do? Charge him his deductible (I know he'll end up getting it back) and cause a whole lot of extra time and delay with their subrogation process? How would that help? Since the other company has already accepted liability, there really isn't much his own company can do for him. Tell me one thing they can do at this point and I will listen. The other company isn't going to change their adjusting procedures.

The agent can go above and beyond, but he doesn't really have a leg to stand on. He is not an involved party. The other insurance company does not have to deal with him.

The OP needs to draw a breath, see what the other company is going to offer and quit causing issues and problems before they manifest themselves. Figuring out what his now totaled vehicle is worth might be a good starting point. Believe me when I tell you the adjusters will have done a thorough search when determining the value of it. If he feels his vehicle was more valuable than what they offer, he will have to justify it. My Uncle cuzin Johnny would have given me more than that won't work.

Dealing openly, courteously and kindly will also help to get him a long way. Insurance adjusters DO NOT give better payouts to asslohes. Why would they?

Yeah, just an opinion developed after being in the business three dozen plus years. AAA has accepted liability for the property damage and btw, they are not a jack leg company no one has never heard of. They have to pay this man the very same value for his car as if it was a car actually owned by one of their clients.

No one ever told me how he would benefit if he were to get his company involved. You guys do not really know what you are talking about here and I fully understand that.

Haha my experience with adjusters is that honey always catches more flies than vinegar! They don’t like extra work and going through a process that isn’t necessary. They will dig in and put the finger up in front of your face and go low. Never a good idea to piss an adjuster off. Just my experience and opinion. Oh and getting your personal agent involved from another company is definitely a pain in the [censored] move from the adjusters perspective. If it’s that bad then it’s better to lawyer up. They hate lawyers

Hudbone is correct here, your agent isn’t much help in this case. Getting your insurance company involved can and will create claims activity regardless of who is at fault. Yes they should subrogate but that doesn’t always happen, matter of fact your insurance can settle for less than owed if they want to. The amount of the claim typically dictates what happens and how hard recovery is pursued.

While you may not get surcharged for a non at fault there is a chance you can lose discounts associated with claims activity. Most companies have a no claims discount you would lose.

So by this reasoning, you would let your wife’s divorce attorney handle all the paperwork for you instead of bothering your attorney?

Yeah and I would want the rental as long as possible. You need time to make a good decision on the next car. I hate being rushed to buy a car. Hopefully you’ve reached out to some sales guys at dealers. Do you know Monte Coon at moritz Chevrolet? I can get you his number. They have a Kia dealership as well. He will hook up any tff or thf guy.

Just curious what your looking at. Got my wife a Chevy Traverse 2 months ago and she told me today how much she loves that thing. Modern, looks good, has lane assist and warnings when you come up on people too fast etc. She likes it all the way around and not too terribly expensive considering the cost of cars now days!

We've looked at several of the Kia's again as well as the Equinox and the GMC Terrain. Salesman of the year put her in a used Cadillac last night. Shes in love but I think its somewhat unrealistic. We can afford it, but I can get a newer/cheaper car with a lot more warranty and a lot of the same amenities.

While I'm not a fan of Kia, you can't beat that 100K mile warranty. My parents went to get a Terrain about 3 months ago - they ended up with an Acadia and have been pleased. There were a lot of incentives and rebates at the time and it made more financial sense to go with the bigger vehicle with the same features/trim price wise. Not sure if there are still as many rebates out - but something to consider.

The rest of the story......

I got a low ball settlement offer from them late last week. I've been going back and forth with them (AAA) all week. Really haven't gotten much information. I didn't have much issue with the value they put on the car. Of course it could have been higher, it can always be higher. I thought it was reasonable. The main problem that I had, was that when they priced out the damage from the wreck, they priced all aftermarket/junk yard parts. Whatever...it still totaled anyway, wouldn't of made any difference how they did it. The problem that I had was that when they priced the prior damage (my wife backed into a trailer and put the tongue into the tailgate), they priced ALL NEW FACFTORY parts. I told them that was BS And that what was good for the goose....Just a quick google search on my part saved over $600 in parts alone. Plus, I was attempting to get some money back on some tires I put on last year. All in, I was trying to get another $1200. They came back this morning with a $260 increase.

I spoke with a Public Insurance Adjuster yesterday. Didn't know these things existed. He told me that he could get an additional $2400+ for the settlement, for a fee of course. Only issue with this was I had to file a claim through my insurance, he would negotiate with them and then State Farm would recoup the money from AAA. I figured I would file the claim, if SF offered me a reasonable settlement I would take it and be done. If I thought theirs was low, I would just let this adjuster handle it. So, I called my agent this morning to file the claim. They put me through to the claims department. After speaking to him, he says that I MAY have to pay storage on the vehicle since they're getting involved 2 weeks after the fact. I MAY also have to pay for wrecker fees to and from. This did nothing but piss me off even more.

I spoke with Hudbone this morning as well. I really appreciate the help, BTW. He suggested that I send another email to the adjuster with some carefully worded verbiage, which I did. I actually did this prior to filing a claim with my insurance. I didn't get a response, so I assumed that they weren't interested in anything else I had to say. However, I did get a response and they offered another $500, $760 total since the initial offer. I took it. I was just tired of the beat down, which I am sure is part of their plan. I am less than $500 of where I thought I needed to be to begin with. It wasn't worth it for me to fight it any further.