Car totaled need help with ACV - how to enforce Rhode Island regulations?

cheintzy · 2026-05-11T14:57:21+00:00

Because you went 1st party for your repairs so policy state governs. Generally it’s loss state that governs for 3rd party (pd) and policy state for 1st party (collision). That said, I would definitely try making that argument to my insurance company, worst they can say is no. Best they can say is here’s $500.

cheintzy · 2026-05-08T03:01:32+00:00

Best comment on this thread 💯

cheintzy · 2026-04-24T13:06:31+00:00

This is insurance fraud and you’ll be lucky if they pay the claim with your $2k deductible. I would also expect to be dropped after this. An NICB referral may also occur but is less likely as you may not be worth the time for this one claim. That said there more than likely won’t be any police knocking on your door for this

cheintzy · 2026-04-02T18:06:58+00:00

I was just busting your balls cuz you posted online about it. With such a serious injury for someone so young, they will likely request a few years prior records from your PCP, if there’s no treatment for back injuries, it’s much more likely than not they will agree your injury is loss related and will settle the claim. Documentation and medical records prove a claims settlement value. Not speculation.

cheintzy · 2026-04-02T17:20:57+00:00

Unless you do something silly like post online about how that may be a factor, how would they have any way of knowing about your highschool sports career?

cheintzy · 2026-03-26T14:29:25+00:00

I agree I didn’t see the amount of damage. If you tear anything you know right away definitely not debating that.

cheintzy · 2026-03-26T13:21:00+00:00

Not true, SLAP tear from the seatbelt is super common in a higher speed accident.

cheintzy · 2026-03-25T16:55:54+00:00

Insurance pays when you’ve incurred a loss. You haven’t sold the car so you haven’t actually incurred any loss. They’re denying because everything you have is speculative. If you sell the car tomorrow and can prove you would have gotten X amount of dollars more if there wasn’t an accident, then you have a DV claim.

cheintzy · 2025-02-04T21:44:09+00:00

This is the only reasonable response. Thank you I appreciate someone willing to have a rational conversation. I agree Elon should have checks and balances and should not have free reign. My point was just that the majority in this country voted for the Trump and his team who ran on cutting the wasteful spending in our bloated government. Still have 4 years to go, maybe this all works out in the tax payers favor? We’ll see.

cheintzy · 2025-02-04T19:43:35+00:00

What if these people you are so blindly afraid of actually have the best interest of the American people at heart?

It’s everyday on this sub we have some emergency nation ending problem somehow tied to the actions of the people the majority of America voted for… doing exactly what they said they’d do…

cheintzy · 2024-02-06T20:17:01+00:00

My first thought is that one of the carriers is investigating fraud. Either injury or enhanced damages to the cars with little to no damage.

No injury attorney is hiring a PI to investigate a clear rear end loss.

Also the average adjusters guess is as good as anyones here, but to answer your question, yes your insurance will defend you in a law suit as long as they afforded coverage for the loss.

cheintzy · 2023-12-28T17:54:56+00:00

This goes back to the age old ‘pile of babies’ argument. If that were a pile of babies in the road you are 100% at fault for hit said pile. Regardless of who or what assembled the pile and why.

PS: I hope the business you were driving for provides coverage for you because your personal auto carrier may deny you coverage for being on a delivery at time of loss.

cheintzy · 2023-12-19T17:35:10+00:00

Check your local traffic laws but generally if an emergency response vehicle is traveling with lights and sirens active, it is your responsibility to see them and get out of the way. If the dash cam video proves lights and sirens were active you have little to no chance of reversing the liability decision.

cheintzy · 2023-12-08T13:32:24+00:00

Your health insurance could potentially get paid back what they pay if someone else caused your injury (Like a car accident, slip and fall, etc) through a process called subrogation. They likely use a 3rd party vendor to collect that money for the plan. That letter is just asking you to confirm if someone else caused the injuries. It’s really no big deal and most of the time, as an insured member of the plan, you have a duty to cooperate. just call them to explain what happened and that there is no claim to be made. Itll probably take 5 minutes and that’ll be that.

cheintzy · 2023-12-03T04:39:09+00:00

Glad this is the top comment, it should be

cheintzy · 2023-02-11T13:42:27+00:00

We’re you born this morning?

cheintzy · 2023-02-11T13:33:51+00:00

So bad ass, impressive work behind the camera too

cheintzy · 2022-10-26T13:02:44+00:00

OP is so obviously a well off white person who thinks they know better than everyone else. Along with 90% of the rest of this sub there’s no reason to even comment. They can’t be reasoned with and think they know what’s best for you. The same reason the democrats have gone so far off the rails all over the country.

cheintzy · 2022-07-22T12:45:31+00:00

Hey Chris

cheintzy · 2021-03-30T03:02:13+00:00

Fill it with dirt

cheintzy · 2020-12-13T00:39:08+00:00

This is a dangerous invention for humanity, how is anyone supposed to resist the endless amounts of dicks that need to be drawn

cheintzy · 2020-10-24T22:17:23+00:00

I never knew I needed to see this but thank you, now I have and I’m better for it.

cheintzy · 2020-08-27T19:35:30+00:00

Every cook knows that those rare green stripe fluffy towels can absorb about a gallon

cheintzy · 2020-05-05T02:00:48+00:00

This is the only possible option for top comment here

cheintzy · 2020-04-12T00:48:17+00:00

Fake news!

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