overwhelmed by insurance lowballing
We are fulltime rvers based in oregon. September to October 2016 we were visiting family in california, with plans to scoot southeast during winter and relocate our home base to texas sometime in 2017...
Forum Discussion
I feel for you. But did you have insurance on your camper? (Edit... sorry, I missed this when I first ready. YOUR insurance company offered a settlement for you) ..
I can honestly say, I have never been involved in an accident involving another driver (although I have banged up my own vehicles myself). But my son has had involvement with another driver. The insurance companies of both drivers duked it out. When my son was even threatened with legal action involving courts and such, his insurance company took it all over. His insurance company lawyers did all the "push back". Eventually, the other insurance company gave up and paid. My son didn't have to do anything, but sit back and get a report of the cat fight.
If you had no insurance on your camper, I can see where you are now experiencing difficulty. Depending upon the age of your camper, and if you are personally fighting against a more powerful agency, the cost of your legal representation can outweigh the recovery cost of your loss. Sometimes, it just makes more sense to cut your loss, because if you fight back, it actually costs you more in the end.
I don't know all the ramifications of your situation, but you really need to consider the "math" pretty careful and determine if you can afford the battle or not. Sometimes, set-backs in life completely wipe out everything we've worked for and we have to start all over. I've been there twice in my life! But each come-back turned out much better than what I had before.
Only you can judge the complexity of this mess.
I can honestly say, I have never been involved in an accident involving another driver (although I have banged up my own vehicles myself). But my son has had involvement with another driver. The insurance companies of both drivers duked it out. When my son was even threatened with legal action involving courts and such, his insurance company took it all over. His insurance company lawyers did all the "push back". Eventually, the other insurance company gave up and paid. My son didn't have to do anything, but sit back and get a report of the cat fight.
If you had no insurance on your camper, I can see where you are now experiencing difficulty. Depending upon the age of your camper, and if you are personally fighting against a more powerful agency, the cost of your legal representation can outweigh the recovery cost of your loss. Sometimes, it just makes more sense to cut your loss, because if you fight back, it actually costs you more in the end.
I don't know all the ramifications of your situation, but you really need to consider the "math" pretty careful and determine if you can afford the battle or not. Sometimes, set-backs in life completely wipe out everything we've worked for and we have to start all over. I've been there twice in my life! But each come-back turned out much better than what I had before.
Only you can judge the complexity of this mess.
