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BRZ First-Gen (2012+) -- General Topics All discussions about the first-gen Subaru BRZ coupe


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Old 08-20-2019, 01:15 PM   #43
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Well that puts things into a whole new light.
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Old 08-20-2019, 01:35 PM   #44
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What is considered as a certified letter?
Their company name and representative is on the letter, but not like stamp or anything
If you did not sign for it or you were not served there is no proof that you ever received it. If they have called you they will have that recorded for proof. Anything you say on the phone will be recorded. If they call do not talk about anything. Tell them you are represented by your insurance company and call them, or your lawyer if you get one.
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Old 08-20-2019, 01:51 PM   #45
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If you did not sign for it or you were not served there is no proof that you ever received it. If they have called you they will have that recorded for proof. Anything you say on the phone will be recorded. If they call do not talk about anything. Tell them you are represented by your insurance company and call them, or your lawyer if you get one.


The OP may have worked out another alternative to save the day. Use the last remaining $100 in his bank account to play roulette at the casino. Perhaps he can then win enough to pay back the insurance company and the repairs on his car.
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Old 08-20-2019, 01:57 PM   #46
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The OP may have worked out another alternative to save the day. Use the last remaining $100 in his bank account to play roulette at the casino. Perhaps he can then win enough to pay back the insurance company and the repairs on his car.
He spent $13,000 repairing his own car already.
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Old 08-20-2019, 02:07 PM   #47
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He spent $13,000 repairing his own car already.
that's kinda questionable too.. Why spend 13k at that point? Is the car considered salvage too?
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It sounds to me like the delicate, metallic sounds of piston skirts slapping against the cylinder walls
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Now, if it was three feet long and you were using all that leverage
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Old 08-20-2019, 02:21 PM   #48
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that's kinda questionable too.. Why spend 13k at that point? Is the car considered salvage too?
No because it did not go thru an insurance company.
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Old 08-20-2019, 02:22 PM   #49
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I hope there were some hookers involved!
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Old 08-20-2019, 02:35 PM   #50
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No because it did not go thru an insurance company.
That’s not what I mean, though.

At that point you might as well sell what’s left, especially if repairing it is going to (apparently) make OP basically broke.
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It sounds to me like the delicate, metallic sounds of piston skirts slapping against the cylinder walls
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Now, if it was three feet long and you were using all that leverage
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Old 08-20-2019, 02:40 PM   #51
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that's kinda questionable too.. Why spend 13k at that point? Is the car considered salvage too?
It is already spent so the point is moot really. Not salvage but depreciated value. The sad part is that since his did not go through insurance there will be no record of the damage while the guy he hit will have it on his car.
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Old 08-20-2019, 02:46 PM   #52
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The OP may have worked out another alternative to save the day. Use the last remaining $100 in his bank account to play roulette at the casino. Perhaps he can then win enough to pay back the insurance company and the repairs on his car.
He'd have to win 9k first to win back what he lost the last go around. Then he may be able to get that 13k back for his own car's repairs and another 8k for this payment letter to the insurance company.

It's quite an uphill battle and there has to be a leprechauns pot of gold worth of horseshoes hidden somewhere up his butt.
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Old 08-20-2019, 02:47 PM   #53
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What is considered as a certified letter?
Their company name and representative is on the letter, but not like stamp or anything
There will be no doubt if it is a certified letter. If you get it then pay close attention to what it says. It will probably give you a deadline to contact them (with or without legal) that you do not want to miss! You want to try to avoid it going to court at all costs.
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Old 08-20-2019, 03:50 PM   #54
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There will be no doubt if it is a certified letter. If you get it then pay close attention to what it says. It will probably give you a deadline to contact them (with or without legal) that you do not want to miss! You want to try to avoid it going to court at all costs.


Can you send a certified letter to the casino? Do you address it to "blackjack table #5"?
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Old 08-20-2019, 03:51 PM   #55
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Can you send a certified letter to the casino? Do you address it to "blackjack table #5"?
If you could my wife would have done it many times over the years!
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Old 08-21-2019, 06:31 AM   #56
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My insurance claim department is not even pickinup..

F*** Geic*

So once I figure out my insurance company has paid the max.

What would you recommend to do next? Call their insurance company and tell them I have no money..?

I can't even hire a lawyer. I have $100 in my bank account
As has been said by others, you are seeing first hand the downside of being underinsured. At least where I am, the incremental cost to get to 500k or 1m coverage is pretty small, maybe $10-20 per month more than state minimums.

At this point you need to figure out how you will be able to tackle the debt you will likely owe if the claim goes to judgment. Savings is out, so maybe a second job? Sell your car and buy a $3k beater and roll the excess proceeds into the judgment debt?

Either way, keep trying to contact your insurance. They may still be obligated to provide legal defense even if policy limits are already exhausted.
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