They're supposed to make you whole if the car is worth $9,000 they're supposed to pay you $9,000, and depending on how your policy reads they may be on the hook for sales tax and tag fees. What your recourse is I'm not sure, I suppose there is the ability to sue them, but once you hire the lawyer the cost will outweigh any benefit. Get your comps and document what you looked at and what was available and you might be able to deduct some of your loss at tax time. The other issue you may find is the storm down Texas way just destroyed a bunch of cars and that might put a blip on used car prices far the next few months, document that. It might be time to change insurance companies but they're all pretty much the same and play the same game so don't expect to improve your position much on that one. If you do have strong comps and documentation after you find a new car and got a replacement company lined up file a complaint with the state insurance commission, this does two things 1 the insurance company will have to answer it, if nothing else they may have to take time out of their busy day screwing over policy holders to explain to the state they're not screwing over policy holders. 2- the state keeps records and if they get too many complaints about one company or adjuster they may actually get off their overpaid unionized backsides and do something. While you're at it write your state assemblyman and State senator and complain about the No Fault law, if enough folks complain about the insurance companies taking advantage of policy holders they may change the law or put pressure on the insurance commission to take action or threaten to change the law and have the insurance companies act decent for a while to try to stop it.
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Today's Featured Article - History of the Nuffield Tractor - by Anthony West. The Nuffield tractor story started in early 1945. The British government still reeling from the effects of the war on the economy, approached the Nuffield organization to see if they would design and build an "ALL NEW" British built wheeled tractor, suitable for both British and world farming.
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