I have a full coverage policy with a $500 deductible. My truck was paid off, and was purchased for $49,000 minus(not to include interest)

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 14, 2011

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Insurance Question from Severn, MD

Asked on 11/14/2011

I have a full coverage policy with a $500 deductible. My truck was paid off, and was purchased for $49,000 minus(not to include interest) The truck was totaled, it was in mint condition engine wise and cosmetically. The insurance company did not allow me to speak with their adjuster. When they did assign one to me, the person they assigned left me a message that they were not the person working on my claim. Today, I got an email with an offer of $9113. I don't expect a new ride and I know vehicles depreciate, but I feel they are low balling me on it's value. What can I do? The accident was 2 weeks ago.

Answer given on November 14, 2011

You didn’t mention the year, make or model of your vehicle.  Therefore, we are unable to look up the value of your vehicle.  However, check out our article Car Insurance Process for Your Totaled Car. The information in this article will help you look up the value of your vehicle and to negotiate a better settlement for your vehicle.  If you still feel that the insurance company is still not being fair in settling with you, you can contact your Department of Insurance for the State of Maryland and file a complaint.  Or use the link inside our article to discuss your property damage claim with a lawyer in your area.  Hopefully, the insurance company will see the light. 


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