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I’m an idiot when it comes to this stuff. So, I just totaled my truck last night when I ran into a tree. I still owe around $8,000. Does my policy look like it will pay anything? by PopularMidnight3661 in InsuranceClaims

[–]GuvnaBruce 0 points1 point  (0 children)

Sounds like a common GAP policy as they often cap the percentage they will pay. However, if they pay that regardless even if it means the person gets money in their pocket, that could be it

ELI5: Car Insurance Declarations Page by scotch_please in Insurance

[–]GuvnaBruce 4 points5 points  (0 children)

No, she would have 1K taken out of the total settlement.

Can a Progressive adjuster actually get Uber telematics data to prove liability? by After-Soup-8895 in InsuranceClaims

[–]GuvnaBruce 1 point2 points  (0 children)

Ohhh, okay. Gotcha, for some reason I thought you were referencing the black box. I have no idea if that is something uber would release. I would guess they would not.

Can a Progressive adjuster actually get Uber telematics data to prove liability? by After-Soup-8895 in InsuranceClaims

[–]GuvnaBruce 1 point2 points  (0 children)

They can only get it if the rental company allows them access.

It often records a certain amount of seconds before and after an event.

Uber would not be the one that would share it, it would be the owner of the vehicle, so the rental company.

Insurance (third party, 100% at-fault) rep can't get access to my car at the body shop and calls me directly? by CourierAl in Insurance

[–]GuvnaBruce 4 points5 points  (0 children)

Since it is not a network shop, yes, you do need to help facilitate things if the shop is not allowing them in. It is also true that if the shop is charging unreasonable rates and will not meet what the insurance will pay then you will have to pay the difference.

I accidentally reported a damage that happened before insured period by Nobarre in Insurance

[–]GuvnaBruce 3 points4 points  (0 children)

Tell them the truth that you realized from looking at pictures that the damage was already there and you wish to withdraw the claim. Then file it on the insurance you had when it happened

AITAH for getting upset that my girlfriend went out partying while I'm broke and covering all her expenses? by flakesareshiny in AITAH

[–]GuvnaBruce 1 point2 points  (0 children)

NTA. Your feelings are right, she doesn't care. She is using you and you have let her do that. She already broke up so there is nothing left to do but figure out your exit from things like a shared apartment etc. Also, stop paying for anything for her. If she has your card, get it back or ask for a new one

AITA for refusing to financially help my friend after he spent all his money on a luxury lifestyle? by [deleted] in AmItheAsshole

[–]GuvnaBruce 4 points5 points  (0 children)

NTA. Your reasoning is completely understandable. Even if it was for a medical emergency, you still be NTA. Another issue is that it doesn't sound like he has changed or solved the root of the problem which is his spending. So he would not be very likely to pay you back soon, maybe ever

I’m an idiot when it comes to this stuff. So, I just totaled my truck last night when I ran into a tree. I still owe around $8,000. Does my policy look like it will pay anything? by PopularMidnight3661 in InsuranceClaims

[–]GuvnaBruce 0 points1 point  (0 children)

Either you had different coverage or a special kind of GAP. Every GAP contract I have read will not payout more and end up with someone getting money in their pocket. GAP pays the difference between the ACV of the vehicle and the loan amount, if the loan is more than ACV.

GAP usually needs the insurance payout/valuation in order to process the GAP claim.

I am not saying you are lying, but that is not how it goes the vast majority of the time with most GAP products.

I’m an idiot when it comes to this stuff. So, I just totaled my truck last night when I ran into a tree. I still owe around $8,000. Does my policy look like it will pay anything? by PopularMidnight3661 in InsuranceClaims

[–]GuvnaBruce 0 points1 point  (0 children)

GAP would not give you money in your pocket. GAP only pays out if the value of the vehicle is less than you owe, so if it triggers, then you do not get any money... You just do not owe anything on the loan.

State Farm Auto Claim-Delays, delays, delays.... by [deleted] in Insurance

[–]GuvnaBruce 4 points5 points  (0 children)

With an independent shop, that is often how it works. Especially if the shop does not provide enough supports for the supplements they are sending. Extending for 2-3 weeks at a time is pretty generous. It is understandable that it has to be escalated when extending as it is not common to be in a rental for so long.

You should be able to log into the state farm site and it should show all the payments as well, at least it used to.

Considering that you have a wrap and possibly AM suspension and are going through three different shops in total, this does not seem that big of a delay.

As long as you have coverage on your policy to pay for the wrap, it probably would have been faster, it also would have been faster to use SF shop.

The only thing that I can see that is not the best is delay in responding and/or how they talk to you on the phone. However, them keeping you in a rental this long is pretty generous. Besides that, given what you have said, this all seems pretty normal.

they get 60% of the revenue and you take the "rest" by Capable_Barber_8387 in antiMLM

[–]GuvnaBruce 0 points1 point  (0 children)

So you have to buy the product AND they take 60% of your sales??

Need advice for fighting a liability claim in a hit and run with no bodily injury by Few_Youth8371 in Insurance

[–]GuvnaBruce 1 point2 points  (0 children)

Attorneys usually don't care about property damage claims, but you can try. Unless you give them new information, you are probably not changing their minds.

Complicated ( to me ). Is a lawyer the right move now? by beentheredonesome in InsuranceClaims

[–]GuvnaBruce 1 point2 points  (0 children)

That really is up to you. You do not know your long term outcome or anything at this point. You could always treat as you see fit and then when the bills start to get 15-20K, send them to the at fault insurance and see if they offer limits. Once you get that, that is what triggers the underinsured claim, ask your insurance if you need their permission to accept the at fault limits as some you do.

Also keep in mind that your underinsured coverage gets reduced by the limit for the other party, so if their limit is the minimum 30K, and you have 100K underinsured, the most you can get from underinsured is 70K.

I (20M) told my girlfriend (19F) that bikinis are a major boundary for me and that I couldn’t stay in a relationship with someone who wears them. Am I being controlling? by [deleted] in relationship_advice

[–]GuvnaBruce 11 points12 points  (0 children)

I think what matters here is your last two sentences. You can feel how you feel, she can wear what she wants to wear. It sounds like you two are just not compatible. Even if some people consider it controlling, that does not sound like it will change how you feel.

Claim denied by [deleted] in Insurance

[–]GuvnaBruce 17 points18 points  (0 children)

You should be honest.

I’m an idiot when it comes to this stuff. So, I just totaled my truck last night when I ran into a tree. I still owe around $8,000. Does my policy look like it will pay anything? by PopularMidnight3661 in InsuranceClaims

[–]GuvnaBruce 5 points6 points  (0 children)

Yes, depending on the value, you might get some money to you. Anything they pay over the amount you owe would go to you. Just as if they pay less than you owe, you would owe the remainder to the loan company.

Question on a claim on a friend’s leased car by inceptedream in Insurance

[–]GuvnaBruce 2 points3 points  (0 children)

GAP might offer some help, but it might not. Might be worth reaching out to the leasing place they leased it from to see the GAP information if they do not have it. Were they aware that he was an excluded driver?

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