On Jan 13, my 8 month pregnant daughter was in a car accident where another driver spun out of control hitting her and totaling her vehicle. State Farm was that guy's insurance but they claimed the driver was covered for enough to pay for her vehicle to be replaced.
We then sent it to our insurance, Encompass. Their adjuster, Rudy Gail, has taken his sweet time, today is Feb 15th, in giving us his appraisal. He has come back with $13k for a 2004 4runner sport edition fully loaded with sunroof and that is including the $1000 sales tax. I told him NADA's quote was $14,825 and Kelly BB was $14, 260, when you add the sales tax that is $1000 more, so $15, 825 and $15, 260.
I found tons of comparable vehicles online. He found one that sort of came close to his figure, it was $13650, with sales tax that would be $14, 650. Even his own figures disagreed with his quote! Yesterday he cancelled her rental car, even though our policy was for 30 days, Encompass had only been covering since, Feb 2nd.
He left her stranded with a 5 day old baby and NO CAR!!!! This is appalling.