The insurance Co. wont give me my money for my car..help?

I was rear ended by a truck.
Heres a list of damage
-bumper cover needs sanded and pianted
-new tailight
-new rear trunk panel
-straighten and align trunk gaps.
00 Crown vic

I dont have collision with my co. So i had to conatct the other insurance co. I got a estimate for 2000$ . I showed it to them and the aprraiser only estimated the damage at 1300. So they said they cant give me any more and the case is closed.
i got another estiamte today for 1950$
What should i do now?
I was thinking of writing a letter the the Co. and telling them i want 700$ more for the damge(total2000$) And i would say i will take them to court if so.

Please answer thefollowing questions for me ..thanks
- Do i have a good case? Will i get 2000$ or will i get less then 1300$ if i go to court?
- Should i pursue this fight with the insurance co? and ask for the 700$ more?

- And if i should write a letter....can you tell me what to say in the letter or write it for me?

thanks

Fordman

Contact your insurance company and ask them for assistance or at least some guidance.

There is always small claims court, and your state insurance commission.

You should have three estimates if you are going to court. Had a guy hit my car some years ago and had to take him to small claims and the judge wanted to continue the case until I had 3 estimates.

good luck

oklatom

If you didn't cash the check they gave you, you can return it and tell them it's not acceptable, and do a counter offer for the $2 grand.

They could then pay that amount, counter offer, or withdraw the offer completely.

You might ask your own agent for advice in the matter.

You could also file a complaint with the insurance commissioner for your state, and let them act as a neutral third party.

Nap

I sympathize with you, Really. You have only 2 choice,though. One is Take the money (1300) The other is don't take It and go to court. This is your right. I know your wanting to "Fight the Bast***s" And rightly so. Now, lets figure this out; your talking about a difference of $650.00. Say you go to court? Whats this attorney going to cost you? What about court costs? Now the biggy. What If you lose? A distinct possibility. The price they gave you is probably the Kelly Blue Book and/or the price of your car If you had to replace It. They get this figure by looking in the want ads in your general area and on the PC for your car,today. If they take 3 estimates and then divide the prices by the amount of the ads-total the prices then divide by the amount of ads. Sound good? I thought not either. But the fact is because your NOT there client they got you by the short hairs. Not pretty. Actually 2 & 1/2 years ago this happened to me. It was a low end car I used for work only. I did accept the offer having first contacted an attorney, etc. Good luck in whatever your choice is. But don't throw money at them either or rather throw your money away. Insurance companies if nothing else have batteries of attorneys on hand just for this sort of thing.You also have to consider some estimates from a few different body shops. Also, consider the price if parts. Because your vehicle is 8 or 9 years old. the assemblies can come from other then new. Its called or coded on your estimate as LKQ. Like kind and quality.

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