Total loss, adjuster wants copy of title prior to settlement

Walaby wrote:

Goldfinch281 wrote:
I called the at fault drivers insurance company, she said they didn't agree it was totaled and again offered me the amount to "fix" it, although I know they will surrogate after this is all over.

So they already offered you an amount to fix it vice totaling it? So that's when you went to your company? If you went once to the at fault insurance co, and they said it's not totaled, not sure why going back again would change the answer.

I'm starting to think more and more that the 23K offer is probably the best you are going to get. Is it worth the fight for 1K more and all the angst and consternation?

I'd probably take the check and call it a day, rather than keep going on and on for maybe nothing more.

Mike

Rest of the story now. Got low balled by the other ins co. Subsequently went to her ins co. Missing information here and now asking silly questions and kinda playing the victim.
Who cares? They say it's fixable, give it to them and ask where to pickup your rental and all the supplies for loss of use and wait til they total it.......or fix it.
Or maybe it really isn't totaled and your ins co is pushing it thru as a total as a "favor" to you? Non e of us know cuz we don't know you or your camper.

westend wrote:

Grit dog wrote:
And for those who will point out that you are required to show proof of insurance, you are correct.
However, you do not have to show it at the scene of the accident. If the cops write a no proof of ins ticket, it will be dropped as soon as you show the court your proof dated prior to the "infraction." The court doesn't care about the incedent that lead to the infraction ther for your info is still not part of the claim.

This may vary by State but in MN there are regulations about sharing insurance information and also laws about carrying proof of insurance. Besides that, any tickets written will not disappear from LE records but remain.

Ummm, not if you're not convicted of it. Idk if it's MN or MS, get a traffic citation and subsequently get it dismissed, it will have no detrimental affect on your license/points, whatever.
Go ahead and make your top tier insurance public information in a multi vehicle accident where a bunch of peeps don't have insurance and see how it gets blown up.
Wake up, I know the law says must show at time of incident or whatever. Just trying to save y'all from some problems and expenses.
You're not going to federal prison for not showing your insurance at the scene. Won't even get arrested.

Tyler0215 wrote:
Talk to YOUR insurance agent, and listen to his advise. He works for you.

I don't know about that. Usually he works for the insurance company and has their interests in mind. He has no obligation to the insured.

allen8106 wrote:
Hey gang the adjuter is only asking for a COPY of the title. Whats the harm in that?

Some people....a lot really....concoct their own version of how they think things should work and then get upset when it doesn't turn out that way.

It's the "Don't confuse me with facts, my mind is already made up." syndrome.

Hey gang the adjuter is only asking for a COPY of the title. Whats the harm in that?

Who is saying its totaled? You give two different versions here. If its not totaled you take it to the shop, give them the ins. info and leave. Let them handle it.

Goldfinch281 wrote:
I called the at fault drivers insurance company, she said they didn't agree it was totaled and again offered me the amount to "fix" it, although I know they will surrogate after this is all over.

So they already offered you an amount to fix it vice totaling it? So that's when you went to your company? If you went once to the at fault insurance co, and they said it's not totaled, not sure why going back again would change the answer.

I'm starting to think more and more that the 23K offer is probably the best you are going to get. Is it worth the fight for 1K more and all the angst and consternation?

I'd probably take the check and call it a day, rather than keep going on and on for maybe nothing more.

Mike

I called the at fault drivers insurance company, she said they didn't agree it was totaled and again offered me the amount to "fix" it, although I know they will surrogate after this is all over.

^^^ Not correct. Running the VIN through the states DMV computer will show any outstanding liens. A paper copy is not the most up to date method for determining current or expired liens.

He needs the copy of the title for his paperwork. He can't do anything with the copy title. Liens are verified electronically. You can have an old title with no lien and got a lien afterwards. He simply wants to verify the VIN and ownership names. Plus it is needed to close his case file.

When you complete the settlement you'll sign over salvage rights and possibly limited POA for the insurance company to do the transfer for you or handle little things that come up with the process.

If you hold out longer, there can be issues with salvage and costs to store the damaged unit. Just keep that in mind if you plan on holding out months and not weeks.