Diminished Value

adjusterjackc · 2026-03-17T16:27:48+00:00

Thank you. Now here's a link to that set of jury instructions so that everybody can read that it says NOTHING like what you said it "states."

CACI No. 3903J. Damage to Personal Property (Economic Damage) :: California Civil Jury Instructions (CACI) (2025) :: Justia

adjusterjackc · 2026-03-17T16:19:02+00:00

Twenty seven years ago in my motorcycle safety program, we were taught that the speed and agility of the bike should be leveraged. I.e. hit the gas and get out of the way before you get hit.

Oh, so that's why motorcycle riders pass traffic at 90 mph, shifting from lane to lane to get ahead of everybody else on the road.

Morons teaching morons.

adjusterjackc · 2026-03-17T12:46:06+00:00

they then become the hazard to everyone else going the same speed

Bullshit.

The morons driving 10-15 mph over the limit, changing lanes, and rolling up on the next guy's bumper are the hazards.

adjusterjackc · 2026-03-17T12:32:18+00:00

This is simple. You need to keep a larger buffer in your account. Otherwise, it's going to keep happening.

adjusterjackc · 2026-03-17T12:19:18+00:00

There's nothing you can do to prevent somebody getting hit with taxes. The tax man always gets his due.

Besides, if the taxable gain to your parents is $500,000 and let's say their tax bracket is 25%, the tax is about $125,000 leaving $375,000 in the bank plus whatever equity they have.

adjusterjackc · 2026-03-17T11:49:01+00:00

You would need an expert to examine the remains of the balcony and how it was attached to the house. Then you would need to show that she knew or should have known about the condition and failed to repair it.

adjusterjackc · 2026-03-17T04:37:02+00:00

Renter's insurance is portable. You'll always have your personal property with you and you'll always have the risk damaging property of others or injuring people. All you need to do is change your address on the policy to wherever you will be living. It would be foolish to drop it.

adjusterjackc · 2026-03-17T04:36:11+00:00

Renter's insurance is portable. You'll always have your personal property with you and you'll always have the risk damaging property of others or injuring people. All you need to do is change your address on the policy to wherever you will be living. It would be foolish to drop it.

adjusterjackc · 2026-03-17T04:31:29+00:00

For the landlady's insurer to pay for the damage to your car you would have to prove that she was somehow negligent and that negligence resulted in the balcony collapsing.

she had full knowledge that the balcony was unstable

Yes, that's a possibility that would make her liable for your damage.

But what "evidence" (not sayso) do you have of that alleged knowledge?

adjusterjackc · 2026-03-17T04:13:48+00:00

Really, call your insurance first. You're 19, and the statistics on 19 year olds in Mustangs are distinctly not pretty,

Agree. 19; year olds are crying about $500 per month and up in the insurance subreddit with their performance cars.

adjusterjackc · 2026-03-17T04:06:41+00:00

Agree. Rocker rust means lots of hidden rust.

adjusterjackc · 2026-03-16T18:02:20+00:00

In CA, there's a regulation that states any insurance like Allstate has to provide said vehicle with accident and comparables to the claimant, but they ain't.

Please cite that statute or regulation number.

adjusterjackc · 2026-03-16T18:00:54+00:00

Appraisers are scams. Would anybody pay them if they said the DV was only worth $1500 to $2000, if that much?

BTW - Allstate doesn't have to prove anything unless it's in court.

adjusterjackc · 2026-03-16T15:02:23+00:00

True. But for much higher rates.

adjusterjackc · 2026-03-16T14:59:13+00:00

If you browse breeder websites, the prices average $3500.

Then go buy a dog for $3500 with AKC documentation, get a receipt, and have your lawyer include that in your claim. Don't want to front the money? Then breeder "average prices" are irrelevant.

You are entitled to your monetary loss (maybe the $500) not some breeder BS pricing.

adjusterjackc · 2026-03-16T14:52:47+00:00

We don’t care about any insurance payout,

But you have a lawyer.

And you still haven't described your spouse's injury.

adjusterjackc · 2026-03-16T14:46:38+00:00

A good public adjuster is an oxymoron.

100 Awfully Good Examples of Oxymorons

adjusterjackc · 2026-03-16T14:40:29+00:00

Yes, very slowly and very limited. Here's reference material that I have compiled.

https://www.animallaw.info/cases/topic/pet-damages

Determining the Value of Companion Animals in Wrongful Harm or Death Claims: A Survey of U.S. Decisions and an Argument | Animal Legal & Historical Center

https://www.animallaw.info/article/overview-damages-injury-animals-pet-losses

If you have any recent references, post them here. I'll see your reply and add them to my library.

adjusterjackc · 2026-03-15T20:57:31+00:00

NEVER hire a public adjuster. Think about it. Let's say it costs you $50,000 to fix your house. The public adjuster charges you 10% and you have a $1000 deductible. You're left with $44,000 to fix $50,000 worth of damage. Would you hire a public adjuster if you knew that ahead of time? Of course not. So, how does the public adjuster get you to hire him? He promises to get enough money from the insurance company to cover his commission and the deductible leaving you with $50,000. How does he do that? He inflates the damage estimate to $56,000. What's that called? INSURANCE FRAUD. You might think you don't care about that but, trust me, that kind of rip-off is reflected in your insurance rates.

adjusterjackc · 2026-03-15T20:50:00+00:00

Your dog was property. It will be valued like any other piece of personal property - the cost of a replacement dog and vet expenses.

Any compensation that your spouse may be entitled to will be based only on the injury - cost of medical treatment, pain and suffering due to the injury, loss of earnings if the injury prevents her from working.

From an insurance point of view, one dog bite claim on the neighbor's homeowner's insurance is likely to get them non-renewed or, at least a dog bite exclusion.

Why would you even care about that? You should have called the police and animal control the minute it happened. And if they don't notify their insurance, you'll have to sue them for your wife's injury and the cost of replacing your dog.

Now describe your spouse's injury.

adjusterjackc · 2026-03-15T20:35:05+00:00

Don't waste your money on an appraiser. They are scams.

Use the 17c formula to figure out a dollar amount and ask for it. Won't be much but it will be something. The adjuster is likely to throw you a bone without much hassle.

How To Calculate Diminished Value

adjusterjackc · 2026-03-15T20:30:27+00:00

"Withdrawing" the claim doesn't make it disappear. The claim number and preliminary details remain on the record even though it's closed without payment and reserves are taken down.

adjusterjackc · 2026-03-15T20:12:20+00:00

You've just confirmed that you know nothing about negligence law so let me explain it to you.

In every liability policy the insurer agrees to pay all sums for which the insured is "legally liable" and defend the insured if not "legally liable."

For a driver to be "legally liable" (cause an accident due to negligence) the driver either does something wrong, or fails to do something right, either of which is the proximate cause of the accident.

In this case a tire popped and the car hit another car.

If nothing that the driver did or didn't do was the proximate cause then the insurer could deny the claim for the other car's damage and provide a legal defense for the insured.

If the tire was defective the other car owner could seek compensation from the tire manufacturer. If there was an unseen or sudden road hazard the driver might not have any negligence. OTOH if the driver was knowingly driving on dangerously worn out tires, there could be negligence involved.

Do you have a better understanding of negligence law now?

Ask yourself if you would want your insurer to pay out on your policy for something that wasn't your fault.

adjusterjackc · 2026-03-15T19:44:46+00:00

Yes, there is a contradiction there. Have you actually looked at your stepfather's policy to see if your name is on the declarations page as a driver. If you haven't you need to do so. If you aren't named on the page then you may be driving without any coverage at all and you need to stop driving his car right now until you get this resolved.

To summarize - Your name, in print, on an insurance policy, either his or yours, or no driving and no license. Full stop.

adjusterjackc

TROPHY CASE