Not at all happy with the insurance "offer" and whoever I spoke with in June lied to me
I had some custom stereo work done to my car back in the summer. I called USAA to make sure this was covered and even asked if I needed to add anything to my policy. The guy I spoke with said I was covered for the stereo addition up to $10K. I asked if I should do anything to make sure they knew it was being done and he said it wouldn't hurt to send in a list of the additional work that was done. So, I did that. Now they are saying that they do not cover "installed" stereo equipment. I spoke with the guy over the phone, so I have no record of what he said.
Then...they have decided my car is worth $23K. That is INSANE.
If you look up my car, used ones with about half the mileage of mine are selling for nearly double that.
I've been working on getting that car paid for sooooo hard for the past couple years.....I only owe $12K and it would be paid for. So, with this "full coverage" claim I'll walk away with around $10K....for someone who has full coverage I'm completely baffled by the fact that I'm losing around $40K in this ordeal.
I was expecting things to be better than this.
I haven't accepted their offer....I'm pondering getting an outside Appraisal done and going through the whole third party dispute process.
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Glad this got taken care of and is done.
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My wifes dad always bought new cars.He would never drive one to 100,000 miles.In his mind,if a vehicle rolled over to 100,000 miles it would crumble up in the road.He could not believe when my Nissan truck rolled over 300,000 miles with zero problems.I wish he were still around to see the Nissan with 525,000 and still going strong.
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tomh.: 29946317608475/comments/29946359767451
What happened with the stereo equipment?
I'm so thankful the guy that installed it insisted on going down and pulling some of it out.
I had called USAA when I had it done...I told them I was doing something major with the audio and wanted to be assured it was covered. Some guy I spoke with said I was covered up to $10k. I asked if I needed to do anything in particular. He said I should send in a list of everything that was added. I did that, but after the wreck they said INSTALLED equipment is not covered.
When the wreck happend the installer said he would meet me down at my car and we'd pull the box, amps and computer from it because he KNEW they'd just tow it off and nobody would ever see it or acknowledge it had all this extra stuff. I ended up losing the front, mid and rear door speakers along with the wiring, dynamat work, and the new head unit.....we saved two amps, two JL 10" subs and the computer along with the secondary battery. I'm out about $5k in the end. All of that which we saved MAY be put in the new one....I'm not ready to deal with that yet.
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buddyb: 29946317608475/comments/29946375294235
My wifes dad always bought new cars.He would never drive one to 100,000 miles.In his mind,if a vehicle rolled over to 100,000 miles it would crumble up in the road.He could not believe when my Nissan truck rolled over 300,000 miles with zero problems.I wish he were still around to see the Nissan with 525,000 and still going strong.
That is amazing!
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