I wrecked the JK
10-08-2008, 09:10 AM
#44
JK Super Freak
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10-08-2008, 11:34 AM
#45
JK Jedi Master
BTW: If you have to go to court with the other person's insurance company, then your own insurance company should foot the bill for court costs and attorney's fee, including for the "expert's fee." They'll get that back from the other person's insurance company when you win. However, if the value of the mod's which are not adequately covered by insurance is the only point in dispute, I can see where even your own insurance company will say they will only pay your court costs to recover up to the insured value of your JK. IOW: Anyone who doesn't have adequate mod coverage (that would be me, too, BTW) may have to hire their own attorney and plan on recovering the costs after winning. Regardless: IT'S THE OTHER PERSON'S FAULT. THEY ARE OBLIGATED BY THE LAW TO RESTORE YOU TO BEFORE THE ACCIDENT.
10-08-2008, 12:00 PM
#50
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Maybe I'm naive, but your insurance should have very little to do with this: It's the other person's fault so, unless she didn't have insurance, or unless you both have the same insurance company, you'll have to convince them of the value of your loss. Who keeps these receipts, anyway? I mean, I'm anal about that, but after two years they go in the shredder. If you aren't being treated right by either insurance company, get a professional assessment of the value of your JK, with all mod's. Get it in writing, and offer to pay the person doing the assessment an "expert's fee" for a court appearance should the insurance company not play ball. However, if the value of your mod's exceeds the amount of your insurance coverage and you're at fault or the other person didn't have insurance, you're hosed. Luckily, it appears that you have plenty of coverage.
BTW: If you have to go to court with the other person's insurance company, then your own insurance company should foot the bill for court costs and attorney's fee, including for the "expert's fee." They'll get that back from the other person's insurance company when you win. However, if the value of the mod's which are not adequately covered by insurance is the only point in dispute, I can see where even your own insurance company will say they will only pay your court costs to recover up to the insured value of your JK. IOW: Anyone who doesn't have adequate mod coverage (that would be me, too, BTW) may have to hire their own attorney and plan on recovering the costs after winning. Regardless: IT'S THE OTHER PERSON'S FAULT. THEY ARE OBLIGATED BY THE LAW TO RESTORE YOU TO BEFORE THE ACCIDENT.
BTW: If you have to go to court with the other person's insurance company, then your own insurance company should foot the bill for court costs and attorney's fee, including for the "expert's fee." They'll get that back from the other person's insurance company when you win. However, if the value of the mod's which are not adequately covered by insurance is the only point in dispute, I can see where even your own insurance company will say they will only pay your court costs to recover up to the insured value of your JK. IOW: Anyone who doesn't have adequate mod coverage (that would be me, too, BTW) may have to hire their own attorney and plan on recovering the costs after winning. Regardless: IT'S THE OTHER PERSON'S FAULT. THEY ARE OBLIGATED BY THE LAW TO RESTORE YOU TO BEFORE THE ACCIDENT.
That really depends on whether or not you are insured in a no fault state. In a no fault state, your insurance company pays for your damages, regardless of fault, and they are the ones who will pursue the other party's insurance company.