Was rear ended on the highway

westernrvparkowner wrote:
You might want to work into the conversation with the adjuster the fact you have GAP insurance and you are upside down. He may take mercy on you (and realize you come out net the same with a low retail settlement as you would with a high retail settlement). That could be a win/win for both you and the insurance company. For the GAP insurance provider, not so much. Be sure to do your research on the GAP insurance before you do anything. You don't want a problem to arise. Anybody out there think this is a bad idea??

Asking for assistance from someone, or some company, whose only purpose is to get rid of the problem as inexpensively as possible seems like desperation to me, and it will most likely be taken as weakness by them. You cannot rely on "The kindness of strangers" in this situation. Why let them use the GAP insurance you paid for to limit their liability? While I see myself as a fair person, and I am certain you see yourself as one also, why should you be concerned with allowing them a win? Their insured rear ended you! Let them take responsibility and resolve the matter to your benefit and approval.

You may also seek the advice of a Private Adjuster in place of an attorney. I would be in my insurance agents office letting them know that I am not happy with their current level of representation and would be asking them to step up to the plate and make certain that I am made whole for my entire loss including, loss of use, full repair or replacement, medical costs and whatever else you have been denied because of the negligence of the at fault driver. One doesn't have to be rude to be made whole, but being assertive is almost always necessary.

BTW, I agree with others who have said the $1000 estimate on the truck seems low. There will, most likely, be issues down the road and you will not want to deal with them when they surface. And neither will any insurance company.
RichH
Not an attorney but been in a few accidents in my life.