2006-06-23 20:34:54 · 3 answers · asked by towhids 1 in Cars & Transportation ➔ Insurance & Registration
I was uninsured and was at fault. I am paying the claim for a total loss of 3279 for a 1992 Toyota Previa van. According to the CARFAX report, the van had a 244K mileage when sold at auction by a dealer in Pacific Region. Then, the mileage changes to 102K at Aug 2002. Another new owner was reported in Dec 2002 (the guy I was involved in an accident) and the mileage was 105K.
I am not sure whether to call up the insurance subrogator to determine how they determined the price for the total loss and whether they factored the the fact of mileage in their price estimation. Can I do that? And, is it a valid ground to ask them to re-evaluate the claim if they had not considered the odometer fraud in their initial estimate. I will appreciate your advice.
2006-06-24 19:16:27 · update #1
The pay out on that vehicle at 205 and 105K is only a couple of hundred dollars so don't waste your time. However if I were you maybe being insured is the way to go because now you're paying out 3 years worth of insurance premiums, if not more, for that decision.
2006-07-07 03:52:03 · answer #1 · answered by phxfet 3 · 0⤊ 0⤋
I am a former insurance investigator and to help you I need to know who is charged with fraud your insurance does not cover any criminal activity. If you altered the mileage or diconnected the spedometer to effect the reading or changed speedometers then your insurance will not protect you. If it is fraud against you it's a civil matter and again your insurance will not act for you on this matter.
Thanks for more information if the car was not totalled and your only paying for the repairs the milegae wil not matter. The odomoter can be changed it needs a sticker on the car is required to show the odometer was changed. If the car was totaled talk to the subrogation department and see. I did subrogation overload (Too many Cases we made deals for as little as 50% ) get anything you can in writting. If you want more help from me email at trailsman1961@yahoo.com I will try to help. You should get a copy of the repair estimate and see if used part were used in the repairs. Let me know if it was totalled and I will give you other advice just email me.
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2006-06-24 18:41:15 · answer #2 · answered by trailsman1961 3 · 0⤊ 0⤋
If the car wasn't totaled, it shouldn't matter. In either case, your insurance should deal with it. You do have insurance, which is legally required in CA...Right?
2006-06-23 20:56:20 · answer #3 · answered by Dale P 6 · 0⤊ 0⤋