I understand perfectly. Hell, I've still yet to receive my Z that I ordered back in March. And I didn't tell you to not get a lawyer nor did I say to be nicer to the insurance company. Just posting some information and trying to answer a lot of misconceptions and misinformation that is out there.

There are situations where I would definitely advise people that they SHOULD retain a lawyer. Those generally involve serious injuries with long term repercussions.

I honestly do feel terrible about what happened to you. I would be insane if this had happened to me. Some people just go off the deep end without knowing what they are talking about. Chances are, you will never even need to file a suit, even with an attorney representing you. The vast majority of claims are settled without suit being filed.

Of course, since we insurance folks are so evil, maybe it would be better if there was no insurance involved. Of course, then you would have to try to get the money out of the other driver, himself (if he had it) and that would almost certainly require a lawsuit.

As for me, I hope that the other guy's insurance carrier, whoever they are, shoot straight with you from the start and take care of all of your damages as quickly and fairly as possible. I hope there is another similar vehicle available to you as early as possible and that it gives you as much joy as all of us here on this forum expect to get out of ours.

But most of all, I hope that your injuries heal quickly and completely so that you can put this whole incident behind you.

Best wishes for a speedy recovery and settlement.

 

Glad to see you made a smart decision. You have to protect yourself and your family for sure. I'm sure there are honest insurance people out there. I have a great relationship with mine here. But....
you're dealing with their carrier not yours. And if I might add, the adjustors have a damn good idea what your compensation will be when this is over, and I'll bet MY car that they won't offer that figure up front. You'll have to beat them out of it if they offer it at all. Who needs that kind of stress??? They know you want a car, NOW. And they have no reason to pay any more than they can get away with. And they also realize that the longer they can keep you hanging, the lower the settlement becomes. And one more point, they also know that when you have counsel, you mean business. There's no way for the consumer to know how much to "settle" for, and that's why they want to keep you away from the lawyers. They know the figures, we don't. They're hoping to gey away as cheap as possible no doubt.
There're pros at this, I'm glad you just leveled the playing field.

 

Do you mean State Farm?
I have to say I recently had a claim with SF and it was easily the SMOOTHEST ins. claim I've ever been involved with. They came out to check my vehicle quickly, and when I wanted the $$$ to go to me not the body shop (I wanted to get some custom parts instead of factory-replacement) they immediately agreed - in fact, the adjuster had an office in the back of her van and printed me a check on the spot in my driveway! When the shop that did the work found some hidden damage later into it, they OK'd it right away and it didn't hold up work on my truck even 1 day.
Now I *have* had bad experiences, both with a local insurer that refused to pay for their client running into my car (still fighting that B.S. - Gateway Ins. SUCKS!) and with a major national company who proved damn near impossible to deal with on another wreck that wasn't my fault (American Family)
But so far, State Farm is the best/most agreeable in my experience