Car was stolen...any tips or advise dealing with insurance compny?

from my experience with this. i would suggest finding multiple for sale ad's showing a price in which you are comfortable taking for the truck. just remember you DO NOT have to take their first offer. they will work with you on an agreeable price for the vehicle
 
getting to the point of finding value for the truck...insurance agent was asking for service records? I do all my own maintenance, most records I kept in the truck/glovebox...most recent I might have some of the receipts from my last brake overhaul. Anymore advise?? Language to use? Would links to online ad's be good enough? like ebay? CL? Autotrader??

I remember other people talking about changing their screen name after they lose the car the based it off :(

TIA
 
If you bought from the same place (favorite parts store) maybe they could give you a print out of your purchases, then you'd just have to run part numbers to nail down everything bought for the truck.
 
make certain you have both keys, They will check the VIN through the company to see if any duplicate keys were made.

Otherwise, gather as much proof as you can to the value in your geographical area.

Be prepared the insurance company WILL low ball you.
Ask to see the documentation that the insurance company is relying upon to determine the value. (I see them all the time, but forgot what they are called... "something reports")
 
I have both keys.
there is not one single Silverado SS on CL.
Autotrader I had to go to a 500mi range to get a few hits, 4 total, 21 high, 14 low, avg 19.
I hope they dont try and lowball me too bad
 
issue I am having is needing to document the mileage...which does not get stored when you do your own oil changes.

I tried to sell it a year ago...would that listed mileage count? or would it hurt if my asking price was lower than what I want the insurance company to pay??
 
The insurance company can ask for the moon.......and hope you deliver.

Do the best you can to honestly show your mileage & truck's value.
Then stand firm & fight for your money. "squeaky wheel gets
the oil", or in your case, the money!
 
OnyxSSS said:
issue I am having is needing to document the mileage...which does not get stored when you do your own oil changes.

I tried to sell it a year ago...would that listed mileage count? or would it hurt if my asking price was lower than what I want the insurance company to pay??
Click to expand...

I would explain how you document your oil changes... (write down mileage when next is due I assume) and tell them... The miles were xxxxxxx.

There are very few of these trucks for sale. Hopefully you make out good since it is a rare limited production vehicle.
 
Not sure if this is the best way to go about it, but if it were me I'd probably actually ask them "Since this was an enthusiast vehicle for me and I did all my own work/maintenance to keep it in pristine condition, what form of mileage documentation would be satisfactory?" I mean, at the end of the day, it was just you writing down a bunch of numbers on a piece of paper, how is that valid proof to them in the first place? Or are they just trying to be a pain in the ass? I feel like that question would sniff that out.

I'm not sure I would bring your past ad into the picture unless you absolutely have to. Especially considering the price difference. The vehicle's value could have very well gone up due to it being rare and desirable, but without comparison ads to demonstrate that I think it would only hurt your case.
 
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Use KBB, NADA and a few dealer listings from autotrader. Esurance uses CCC to determine a settlement amount, and if they havent recovered the vehicle, they will rate everything as average condition. If the truck was in really good condition and you have photos, they will usually adjust the value.
 
I think, as long as the mileage is close to what you had on the truck you should be fine. They might make you sign a statement with the estimated mileage, just be honest with them. Don't tell them there is 10k miles on it and its in great condition then they recover it and it has 100k on it. You will have some explaining to do lol.

X2 on the pictures as well. Ford the sales ad, don't forget that the zip code plays a part in the selling price. Try to get an ad from a larger city. Tiny 20 person towns don't usually sell vehicles for top dollar unless its a rich little town.
 
ok...your advise has been great so far.
The CCC report gave me a value of $12k. not enough IMO

Auto trader fair market value $15,085-$18,760
Also auto trader I found only 4 simimlar trucks in a 500 mile radius...$21,995-$14,500 averaging to $18,426
NADA is $13,675

Any tips for how I ask for more w/o sounds like a prick??

Dear Agent,
That amount is not sufficient. From my research using Autotrader the Fair Market Value for a truck like mine, with mileage under 100K is $15,085-$18,760. Looking in a 500 mile radius I was only able to find 4 listed from private sellers. The average value for those trucks is $18,426.

what else?? I'm gonna cut and past the email from here :) :)
 
odds are they are basing it off a silverado not a silverado SS, ask them to explain how they came up with that number
 
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