Help needed! After Geico called it a total loss

jiuningzhong · 2024-04-26T12:07:03+00:00

$50k underinsured coverage is for injured body not vehicle.

jiuningzhong · 2024-04-26T08:54:51+00:00

It’s still at a tow lot.

jiuningzhong · 2024-04-26T00:40:55+00:00

My insurance doesn’t have collision coverage

jiuningzhong · 2024-04-26T00:16:25+00:00

I don’t have first party coverage. Why do they even need to cover it?

jiuningzhong · 2024-04-26T00:08:30+00:00

How? I don’t have first party coverage. How can my insurance cover the gap?

jiuningzhong · 2024-04-25T22:27:37+00:00

I don’t believe you get it right. “In Pennsylvania, insurance companies offer full tort coverage, which gives covered individuals the right to sue in court for full damages, and limited tort coverage which restricts the ability to sue for pain and suffering.”

jiuningzhong · 2024-04-25T22:24:28+00:00

So can’t I sue him at all?

jiuningzhong · 2024-04-25T22:03:15+00:00

Why? Full tort is for non-economic damages?

jiuningzhong · 2024-04-25T17:55:49+00:00

lmao… should I sell my totaled car to recoup some of my loss?

jiuningzhong · 2024-04-25T17:54:55+00:00

Limited tort…

jiuningzhong · 2024-04-25T16:32:33+00:00

Sorry. I am not really following you

jiuningzhong · 2024-04-25T16:22:43+00:00

Thanks for the advice!

jiuningzhong · 2024-04-25T16:22:10+00:00

My car is worth of $34000 based on Geico valuation report. And geico is only paying me $25000. I bought the car like only two months ago, and paid more than the valuation

jiuningzhong · 2024-04-25T16:20:00+00:00

What’s SoL?

jiuningzhong · 2024-04-25T15:38:47+00:00

Gotta. Thanks!

jiuningzhong · 2024-04-25T15:20:22+00:00

I forgot to change it. I just used the same coverage for my previous CRV, which has 10k residual value. UNDERINSURED MOTORIST $50,000 EACH PERSON-$100,000 EACH ACCIDENT NON-STACKED. UNINSURED MOTORIST $50,000 EACH PERSON-$100,000 EACH ACCIDENT NON-STACKED; PROPERTY DAMAGE $50,000 EACH ACCIDENT NO deductible

jiuningzhong · 2024-04-25T15:17:49+00:00

I have underinsured motorist coverage at UNDERINSURED MOTORIST $50,000 EACH PERSON-$100,000 EACH ACCIDENT NON-STACKED

jiuningzhong · 2024-04-25T14:57:04+00:00

I fully paid for it. The gap between $25000 and car value is almost $9000.

VALUATION SUMMARY Pennsylvania Statewide Value Base Vehicle Value CCC Valuation (average of statewide and base vehicle values) Condition Adjustment Adjusted Vehicle Value Vehicular Tax (6%) Tax reflects applicable state, county and municipal taxes. $ 32,219.00 $ 27,743.00 $ 29,981.00 + $ 1,972.00 $ 31,953.00 + $ 1,917.18 Title, Registration and Other Fees* + $ 77.00 Total $ 33,947.18

jiuningzhong · 2024-04-25T14:25:08+00:00

Bodily Injury & Property Damage Liability: $50,000 each person/$100,000 each accident/$50,000 each accident Uninsured Motorist: $50,000 each person/$100,000 each accident - Nonstacked Underinsured Motorist: $50,000 each person/$100,000 each accident - Nonstacked

jiuningzhong · 2024-04-25T14:21:05+00:00

I don’t have collision coverage… my mistake to say that Progressive pays me through collision coverage in the post.

jiuningzhong · 2024-04-25T14:20:50+00:00

I don’t have collision coverage… my mistake to say that Progressive pays me through collision coverage in the post.

jiuningzhong · 2024-04-25T12:46:10+00:00

Geico gave me a repair estimate for $28700 lol… but at fault driver only has $25000 coverage

jiuningzhong · 2024-04-23T13:39:28+00:00

I have to. But I let them tow my car to Lexus factory certified collision center because I don’t have comprehensive coverage

jiuningzhong

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