How to handle an insurance dispute?
Fucking Progressive. I hate them.
I flopped my 4Runner onto it's side on 70 by Frisco last Sunday. No injuries thankfully, but I have a mess to deal with now.
I shifted out of 4wd when I got on the hwy, I thought the roads were ok but it was bad black ice. I lost control; rear end slipped and the truck drifted to the median, hit the snow bank and spun a 270 and flopped to the passenger side. Scary.
The whole passenger side is fucked. Fender/door/rear quarter/topper. It looks to me like the A-pillar is damaged, but there's nothing about that on the summary. None of the interior damage is mentioned. They didn't even ask about any mechanical issues, and a few have come up. The body work based on their few photos is about $3,000. That will certainly go up when a shop really looks at it and starts to see what else the repair entails. I would be more than happy to have my ride repaired but that won't cover it.
Here's the dilema... my 4Runner is a 3rd gen with a 1st gen body conversion. The truck is registered as an 86. That's how the state wanted to title it.
I got my claim details today and they're trying to screw me. Not an easy insurance claim but Progressive isn't giving me ANY value for the "aftermarket" parts. That means the 3.4/tranny/suspension/frame, nothing is given value on my claim. The 2 "comparable" vehicles they found to base a value on are stock/4cyl/1st gen 4Runners. They claim $3000 market value for mine. I paid $5,000 for it less than 20,000 miles ago, before the the lift/bumper/wheels/tires. Most everyone thinks that was a steal at the time considering a stock 3.4 anything with a low mileage motor couldn't be found for $5,000 a few years ago.
I never expected to total a car and have an insurance company give me more than the car is worth, but this is ridiculous. You pay a premium in good faith with the expectation that if you have a loss, that it will be covered. I don't know what to do. I'll try to find an independent adjuster who can document what the truck is and go from there.
Does anyone have advice or know a fair adjuster or how to get it appraised?