My 91 GMC of 13 years Stolen from front of house Atlanta GA

[Emmo]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

My last ad velorum tax had my truck valued at 11000 at the dmv Feb 2015. Your registration alone should confirm the value.

Yep, good note, unfortunately my Ad Valorum amount is lower so I've not mentioned it. Taxes were good for the period I had truck.

Update though…the original State Farm appraisal / claims lady has since changed jobs and assigned my June claim to someone else whom I can't get a hold of phone or email wise. And my agent "Danny Gibson" is slowly starting to not reply…all the while I've been super courteous and holding out. This is honestly crazy customer service, nonexistent. Please please folks avoid State Farm and get your insurance straight. Promise to keep all posted as this unfolds but what a racket insurance is….as soon as this claim is complete moving all other policies out of State Farm.

Not to mention recent bill to renew insurance came in the mail too for another
$450 for 6 months on the Sy. Watch them say I didn't pay policy so they won't pay out the claim,
Pete

 

[Damian]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

I think it's past the deadline to go above your agents head. I think you need to increase the attitude for now on. I'd be furious by now. I wouldn't even try and call your agent, show up to their office building and not leave till this is done and in your favor. I'll contact my friend again and see what she says to do.

 

[TNPhoon]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

State Farm should have an arbitration clause. Invoke it. Don't waste anymore time ****ing around w them.
Find an independent appraisal firm. You can try AutoLoss or find one similar.

 

[fivetodrive]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Nate I like the idea of the AutoLoss... No matter what car you have!
I was also thinking that it would be a good idea to add the rental car rider so that if your car is stolen then they are having to pay the rental car rate keeping you as an expense vs being able to sit on a claim...

 

[fivetodrive]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Not to mention recent bill to renew insurance came in the mail too for another
$450 for 6 months on the Sy. Watch them say I didn't pay policy so they won't pay out the claim,
Pete

Definately pay and then ask for reimbursement for the time that the truck was gone. They cannot deny the reimbursement...

 

[Redhawk110]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Sorry about your truck. I'm sure the work you put in to it is something that no one can replace. Hang in with the insurance company. State Farm is a pretty good outfit and if the adjuster isn't giving a number that's fair go to your agent and bitch. That's what the guy gets paid for.

 

[skolman91]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

State Farm should have an arbitration clause. Invoke it. Don't waste anymore time ****ing around w them.
Find an independent appraisal firm. You can try AutoLoss or find one similar.

I like this idea as well.

Anybody that has state farm and thinks it will be different in their situation is going to be sorry when the time comes. It wasnt syty related but ive been screwed over twice by state farm and never again will i use them, anybody with anything remotlely nice or aftermarket on their vehicle shouldnt either, this thread should be a warning..
Good luck emmo, they will come around when the facts hit the right desk im assuming..

 

[cjg454ss]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

My Syclone was stolen sometime this week (6/20 to 6/26/2015) while I was out on vacation. No broken glass and keys still in kitchen. Steering column lock and Viper alarm secured. I believe it was towed from right in front of house.

Atlanta Police Department report filed last night and I don't know what else to do. They wouldn't even take a photo of it with them to look for it, guess murders and drugs more press ing than theft.

Anyways, as you all know, most irritating thing is all the man-hours and time spent getting the truck right and running and just plain old enjoying the truck. I hate this and its not a money thing as who knows what State Farm may only give me $3k for it when the dust settles and that'll take a while. So IF anyone hears or sees SY # 0901 on the classifieds or internet in coming days please please let me know and I'll forward info via my police report number. All body panels are original as is paint. Trying social media too via NEXT DOOR and my neighborhood to see if anybody has footage of tow truck or a camera feed from last week,

Last photos I have here about a year ago and would be same location of where it was sitting when taken last week,





Thanks again all, don't post often but this stinks, Peter Jensen

Man you should of put collectors insurance on it. Mines insured for 28k

 

[TNPhoon]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Man, check your PM's.

Give me a call if you want. I deal with this shit every day. Just reading this over again is pissing me off. You've given SF a chance to do right and they are just dicking you around hoping that you will get so frustrated that you just say "okay, send me a check" and drop it.

I can call on your behalf and if it doesn't get anywhere, seriously, invoke arbitration. Let the arbitrators deal with all of the back and forth and the headache. SF is just trying to wear you down.

 

[Jimmy]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Yep, good note, unfortunately my Ad Valorum amount is lower so I've not mentioned it. Taxes were good for the period I had truck.

Update though…the original State Farm appraisal / claims lady has since changed jobs and assigned my June claim to someone else whom I can't get a hold of phone or email wise. And my agent "Danny Gibson" is slowly starting to not reply…all the while I've been super courteous and holding out. This is honestly crazy customer service, nonexistent. Please please folks avoid State Farm and get your insurance straight. Promise to keep all posted as this unfolds but what a racket insurance is….as soon as this claim is complete moving all other policies out of State Farm.

Not to mention recent bill to renew insurance came in the mail too for another
$450 for 6 months on the Sy. Watch them say I didn't pay policy so they won't pay out the claim,
Pete

**** state farm.It's time to get a lawyer.For your $1500 S-15 :roll:

Don't give them ****ers another penny.

PM me your claim adjusters # plz.I won't mention why I'm calling,I just want to have some fun,dox him ect.

 

[turboj91]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

I've read this thread as a lurker every now and then but maybe I can offer some help.
>Some basics. Receiving the checks by mail does not constitute acceptance of any offer. They have to pay something to avoid a bad faith issue for non payment. I bet your policy states that they have to make payment within 30 days from the date of loss. Paying the minimal amount gets them through that hoop. Check the payment date as that may be useful in the future.
>You can cash the checks but sign them with the endorsement "Accepted under protest". Considering the claim handling, I would not sign or cash the checks at this time.
>You can cancel your policy right now. They have to continue with your claim until it is settled. You had coverage in force on the date of loss and must pay for that loss. You can have them cancel this vehicle as of the day after the loss and they have to credit your premium as they should not be charging you for a vehicle that is not in your possession due to the loss.
>Part of your issue is the evaluation company that is running the Actual Cash Value. IIRC, it is Mitchell. This is an electronic service that caters to insurance companies. Their service is not available to the general public. They are not decoding the V.I.N. properly and it's BS.
>Read up on your state law for insurance company requirements on ACV determination.
>Call SF and ask for a Property Unit Manager. Don't speak to anyone in a lower position than this. Feel free to speak to the Office Manager as well. Have some info ready to be sent via email when you speak to the manager. Go to the aforementioned Compnine site and decode the V.I.N. and have that ready to send via email. Go to NADA and run the numbers and get a value. Capture that evaluation and have that ready for the manager as well. It will tell the manager the ball park that the value should be in vs the low ball numbers they are dealing with at this time. It will prove that there is an issue with the evaluation process. Request the manager to speak with a Mitchell manager and determine why their data base does not properly identify the vehicle. That should shake the trees.
>Companies like Mitchell (there are others that cater to insurance companies with a very similar product) use comparable vehicle sales to determine a market value. There are not enough Syclone sales in your area to obtain enough info to provide a realistic value. They will have to expand their search to other states. You need to make sure they compare apples to apples. It takes work and they are reluctant to do their job, especially on a specialty vehicle where it takes time and market knowledge to gather up the info to provide an acceptable evaluation. They get paid a flat fee for their evaluation. Extra time spent means they are running in the red for their services on this one claim. Sometimes corporate level stuff simply sucks.
>Search the forum for recent sales of trucks equivalent to yours. Search BJ and Mecum if needed. Get and capture the sale results and have that ready as documentation for the manager.
>At this time I would not go to arbitration. In Arb, you want/need to have both sides with a proper evaluation. If they take an average, you don't want the two values at opposite ends of the spectrum. In that case scenario, the average will not provide you with an accurate market value and you will be on the loosing end.
>Keep this in mind. Asking price does not determine market value, actual sale price does.
>Your agent sold you a policy for a Syclone. He accepted your application and submitted it to SF. Your agent has some liability here. Might want to remind him of that and that if legal action is taken, name him in the lawsuit. He should be your advocate and should have called a claim office manager to straighten out the improper identification of the V.I.N. Claim office personal do not like to talk to agents as agents really don't know the ins and outs of the claim process and they usually get in the way. In this case, if you bring your agent up to speed with the aforementioned documents, he should be able to have the situation corrected but I would go straight to a claim office manager. Get to the proverbial horses mouth and avoid middlemen.
>Check your declarations page from your policy. Does it state Syclone? Your V.I.N. is decoded by the SF underwriting system. A completely different system than what Mitchell uses in their ACV's. Also, look at your title. When your registration was processed, you filled out the DMV form. I bet it states GMC Syclone. I assume your registration was in the glove box and is not available. The more personal documents you have that state Syclone, the better.
>Stick to your guns. You have to beat them at their own game in order to receive a fair settlement. It is possible.

I'm happy to provide additional help if needed.

Jim

 

[cloneman315]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Have you spoke to a lawyer yet? Even a letter from him and nothing else may get things rolling for you.

 

[Damian]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Jim, he can go to AAA and DMV to get a copy of his registration.

 

[Emmo]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Man, check your PM's.

Give me a call if you want. I deal with this shit every day. Just reading this over again is pissing me off. You've given SF a chance to do right and they are just dicking you around hoping that you will get so frustrated that you just say "okay, send me a check" and drop it.

I can call on your behalf and if it doesn't get anywhere, seriously, invoke arbitration. Let the arbitrators deal with all of the back and forth and the headache. SF is just trying to wear you down.

Sent you a PM, thank you...

 

[Emmo]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

**** state farm.It's time to get a lawyer.For your $1500 S-15 :roll:

Don't give them ****ers another penny.

PM me your claim adjusters # plz.I won't mention why I'm calling,I just want to have some fun,dox him ect.

Don't worry…haha, by now they won't return my calls either…and the original adjuster "has a new job"…agent also slow to call but boy is he slick…Good thing i'm keeping busy with other things like work :tup:

 

[TNPhoon]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Also, while we are still on the topic...I highly suggest getting an AGREED VALUE on your trucks, unless you are DD'ing them. (do NOT get a STATED VALUE policy).

Granted, you are "limited" on what you can "do" with the vehicles on an agreed value, but if anything ever did happen, just say that you were on your way to a car show or a leisurely cruise, etc. But you can't go racking up a shit ton of miles on a car.

I put an agreed value on the aspen and it only cost me $10/mon more than the white/grey and I don't have any mileage restrictions (your carrier may vary). But at least if something does happen, you're not having to fight insurance over values (MOST of the time).

 

[Emmo]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Update as of 10/9….Note from adjuster of new "offer" and I'm pushing back with the NADA websites you all showed me in earlier threads. Taking Jim's advice and holding off on arbitration for now…

I replied yesterday:

"Thank you,

I'm happy they are using the NADA values, as we are getting closer to the value …. I think they may still have the wrong truck see links below from NADA website,

http://www.nadaguides.com/Classic-Cars/1991/GMC/Sonoma/1-2-Ton-Pickup/Values

http://www.nadaguides.com/Classic-Cars/1991/GMC/Sonoma/Syclone-2-Door-4WD/Values

Hope this helps us, Peter"


They wrote initially:

"The new settlement amount using NADA is $4108.35. I discussed the new settlement amount with Peter Jensen. He is disputing the new settlement amount because he was looking for settlement around $8k. I will send this information to the claim representative for review."


So, next to see if there is a Property Unit Manager and if my agent will pound that person or not…more time consuming than Id hoped and I've had to put on back burner a little as I'm working in outage season at the power plants.

 

[Damian]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Don't deal with the adjuster. Even my friend, who works for State Farm, says don't even talk to the adjuster anymore. Only deal with your agent.

 

[fivetodrive]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

They wrote initially:

"The new settlement amount using NADA is $4108.35. I discussed the new settlement amount with Peter Jensen. He is disputing the new settlement amount because he was looking for settlement around $8k. I will send this information to the claim representative for review."

Where did this 8k come from?

 

[Jimmy]

Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Update as of 10/9….Note from adjuster of new "offer" and I'm pushing back with the NADA websites you all showed me in earlier threads. Taking Jim's advice and holding off on arbitration for now…

I replied yesterday:

"Thank you,

I'm happy they are using the NADA values, as we are getting closer to the value …. I think they may still have the wrong truck see links below from NADA website,

http://www.nadaguides.com/Classic-Cars/1991/GMC/Sonoma/1-2-Ton-Pickup/Values

http://www.nadaguides.com/Classic-Cars/1991/GMC/Sonoma/Syclone-2-Door-4WD/Values

Hope this helps us, Peter"


They wrote initially:

"The new settlement amount using NADA is $4108.35. I discussed the new settlement amount with Peter Jensen. He is disputing the new settlement amount because he was looking for settlement around $8k. I will send this information to the claim representative for review."


So, next to see if there is a Property Unit Manager and if my agent will pound that person or not…more time consuming than Id hoped and I've had to put on back burner a little as I'm working in outage season at the power plants.

Dude,they are trying to play you. Spend 2k on a lawyer and get your 25k settlement. It's not rocket surgery.