Hi everyone
this is long sorry...
to start with I do not want to complain as There are sooo many folks out there
that have situations worse then mine..
but I need some advice..tips..tools to help me deal with an auto insurance company..
We have had a few knocks before this..hubby out of work on unemployment
me working at walmart..they recently took away the unemployment and my hubby is beginning a new field of work
in lawn maintance..he is almost 60..no retirement ect..you get the picture
he no longer can do the heavy physical work he was trained for ( did it all his life)
health issues..We are Christians and I know the Lord will take care of us
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Ok what I need your help on
it started almost 2 weeks ago
my hubby was involved in an accident that involved 3 cars
his truck ended up hitting the lady in front of him
everyone was going 45..the first lady went to a almost complete stop
the next lady hit her..not bad and my hubby then hit that lady
totalled his truck..the only car that had to be towed..no injuries
my hubby got the ticket $158
at first my hubby refused to sign but the state tropper said he would go to jail if he didn't
my son was following in his truck behind him and almost hit him too..they both were carring trailers behind them
but son just barely managed to go into inside lane
and th car after had to do the same
the first lady changed her story twice and even the cop said he knew she lied but you cannot give tickets for lying
hubby truck 2001 Ford sport trac
Progressive wanted to total it..we owe nothing and have Full Coverage Plus buisness insurance on it
they said we had past damage..windshield..scratch ect that equaled 2,041
and the damage in crash 4,000 ..they would total it for $6,000
Now we looked at other 2001 with the same amount of milage and it was at least 300 miles away but they all wanted at least 8,000
for them.. we thought we could fix damage and keep the truck..one of the few trucks that do not lose their value
at first they said No then they came back and said with a rebuild title they would let us fix it
now we found out from a lawyer that they can always go back and say the truck totaled and we would have to get inspected and ready for road
this truck is what my hubby has to have for business..tow package ect
a friend will talk to in surance in morning..
We luv this truck..it was the grace of the Lord we was even able to get it 4 years ago
it is nice inside ect..paid for
Is there any loop hole..any trick or tip we can use with insurance to get them to pay more or let us keep it with a regular title without
posting differently on it
We just do Not have the extra money to buy another truck like this
any advice would be appreciated
Patricia
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and take a look at what I am offering..any help would be appreciated
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As a result of the accident..The insurance says my insurance will go up
Anybody know of cheaper or better insurance companies?
dailyexposure@yahoo.com