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Insurance Carrier Shorts Accident Victim on Total Loss

Joseph Coupal - Thursday, March 27, 2014

Texas! The great big state that claims to "take care of it's own"! The state where you can shoot first and ask questions later! Where else can someone shoot and kill a repossession agent in their driveway with a high powered rifle and claim "I was protecting my property"? Here is something almost as absurd…

DamageMAX found a nice little loophole in the Texas Insurance Regulations this week that allow their drivers to get hosed by insurance companies!

Sherry R. had a nice 2011 BMW 328i Convertible with low mileage. She was minding her own business when an individual blew through a red light and smashed into her pristine BMW. Sherry purchased comprehensive insurance coverage and of course had "uninsured motorist" coverage as well, but as her luck would have it she didn't have enough insurance. The individual that hit Sherry was 100% at fault and had basic liability insurance only. Because the other driver was at fault, their insurance carrier took over the settlement of Sherry's claim. What they told Sherry was shocking….while Sherry's car was a "total loss", the most that they could give her was $25,000 because that was the maximum that their policy holder had for property damage? That's right folks! Too bad on Sherry! She had a $32,000 vehicle that is a total loss that she will only get paid $25,000 for it ! To add insult to injury, this company told her that she had to pay the tow from the scene of the accident and all the storage associated with her vehicle. She even had to eat the bill for her own rental vehicle! They basically wrote her a check for $25,000 and left her to clean up the mess created by their policy holder.

DamageMAX came to her rescue and purchased her wrecked BMW for $7,000 and paid to haul it off, but Sherry lost money on the deal as she battled for 6 weeks with the responsible party's insurance carrier.

Somehow it seems wrong that her insurance company didn't see fit to make up the difference and total her car when she had premium coverage. It also seems ridiculous that the state of Texas would allow a resident of their Great State to get hosed by an insurance carrier.

If you have been in an automobile accident, and you are not sure things are going your way please call (888) 629-2137. DamageMAX.com will give you free advice on how to handle an accident claim. If we can help you out of your damaged vehicle, or even get a better settlement we will be happy to do so.

DamageMAX is the leading buyer of damaged vehicles, nationwide.

Insurance Companies Play Hard Ball with Policy Holders

Joseph Coupal - Wednesday, March 19, 2014

Here is a great article by CNN that addresses how the Top 2 insurance companies treat claimants with respect to compensation for particular types of injuries.

This type of Machiavellian behavior is not limited to injury claims. DamageMAX talks to hundreds of customers each month that receive similar treatment with respect to collision repair reimbursement and total loss settlements. It's basically a "take it or leave it" attitude.

Insurance companies will typically lead the claimant through a very regimented process. This process if foreign to the policy holder and there is a general tendency to "follow" and trust the claims handler. "Don't expect to get paid what's fair, you will get paid what you negotiate" states Michael Lasini, Founder of DamageMAX.com. "Insurance carriers will oil the squeaky wheels and if you behave like a sheep in their process, you will be lead to slaughter". The key to getting a fair settlement after an accident is to do your homework, leverage all resources and let your insurance adjuster know you are well-informed. Always ask questions, document all discussions and get back up for what your are told. If the adjuster presents a total loss settlement figure, tell him/her that you want to see the complete market analysis. If it came from Mitchell, then request a comparable analysis from CCC and Audatex and compare those figures to NADA Average Retail. Guidebooks don't write checks for cars, they never will. They are simply a resource and they don't guarantee the figures they publish.

DamageMAX is the leading buyer of damaged cars, trucks and equipment in the USA. We do not charge for price quotes or advice and our knowledgeable and courteous staff is ready to assist.

For more information or to speak to a live agent please call (888) 629-2137.

How to Handle your Insurance Company after an Accident

Joseph Coupal - Tuesday, March 18, 2014

Most people have an accident and succumb to the insurance company's process. Whether it's yours or the person's that hit you, get ready for a real treat. It's called "Hurry Up & Wait"!

Your job is to let them know you have had the accident pronto, they will give you a claim number and a new toll free number to call for information regarding your claim. Then, you have to wait to hear from an "adjuster". I wonder why they call them "adjusters' anyway, do they adjust your claim up from what it's supposed to be? Or downward to save their company money? Once you report the claim, they will have the damage estimate performed. If you are lucky, that will be done at the shop it was towed to, otherwise the adjuster will ask you to move it to a shop that is in his/her network. They will suggest that it will be done faster, better and of course they offer "free towing". If you agree, Congratulations! You just got "steered" to a DRP (Direct Repair Program) Collision Shop. Does it really matter to you? Yes, because steering is illegal in most states! Plus, it's fairly certain now that you will not be getting a total loss settlement. You see friends, insurance companies are pretty good at triage which is a fancy name for knowing (at a quick glance) whether your car is repairable or will be totaled. The insurance company will keep you in the dark while they make the best decision for them–not for you and your family. They lead you where they want you to go and you are powerless.

What can you to prevent this? Be informed and be firm about what you expect. Here are a few good rules on how to handle your insurance company after an accident:

  1. Report the accident immediately – waiting serves no purpose other than to delay the whole process which is long enough already.
  2. Call whatever number you are provided and make first contact with your adjuster. If one is not assigned, keep calling until a name is provide.
  3. Do not give permission for them to move your vehicle. It can be estimated where it sits. If they move it, you have no leverage.
  4. Get a digital copy of the estimate emailed to you with all the photos. You can send that to other collision shops and agencies like DamageMAX that will buy the damaged vehicle on the spot for top dollar.

If your insurance adjuster gives you are hard time, remind them that you are the customer. Insurance companies are highly regulated and they have to be very cautious about pressuring policy holders into decisions.

If it turns out that your vehicle will be repaired because the damage is not significant enough for a total loss and you do not want the vehicle, DamageMAX will buy the vehicle from you and you can keep the repair check plus your deductible and apply it to something new.

The internet has empowered consumers with a wealth of information. You just got rear-ended by a distracted driver, don't let their insurance company take you down the same road!

For more information on selling a damaged vehicle please call (888) 629-2137 or visit damagemax.com for a free consultation.

Wrecked Car Case Study #128

Joseph Coupal - Friday, February 21, 2014

25 million people have accidents each year on US roads. Only half of them will get reimbursed for collision repairs by the insurance company at fault. Of those 12.5 Million people, around 10% of them will find a way out of the vehicle because they just don't feel safe in it anymore. Most of the vehicles that get repaired wind up being a bad financial decision for the insured. Why sink several thousand dollars into a vehicle that is 6 years old and has 100K+ miles on it?

The truth is, most people don't know they have the option of keeping the proceeds that the insurance company will designate for the repairs, then selling their wrecked car for cash and getting something new. This is an actual case that turned out pretty good! Lets take a look at Brandy's case because she was fortunate enough to make the right decision.

2012 Jaguar XJ-L
12,000 miles
NADA Clean Retail Value $58,675
Collision Repair Estimate $39,000
Sold to DamageMAX for $20,000
Equity Position $325.00

Brandy hit a tree with her shiny new Jaguar and was at fault, but luckily the repairs were covered. She thought the damages were so severe that the car would never be the same – she was shocked when the insurance company told her she had to keep the car and that they would have to repair it. Brandy found DamageMAX.com and sent us the collision estimate along with a few photos taken from her cell phone and sold us the car in less than 24 hours. 72 hours from the first call, the Jaguar was gone and DamageMAX wired $20,000 to a very happy seller!

Brandy was able to keep her insurance repair check for $39,000 plus the $20,000 from the sale of the Jaguar which put her over NADA Clean Retail Value by $325.00! The best part is, she didn't have to write the check for her insurance deductible which kept another $1000 in her pocketbook.

Most damaged cars are worth a lot more than people think they are… Don't leave yourself in the dark, make an educated decision before you agree to fixing your wrecked vehicle. Call (888) 629-2137 or visit www.damagemax.com for an immediate cash offer on any damaged vehicle.

Your Son took your Car to Denny's

Joseph Coupal - Thursday, February 13, 2014

Your son begs and pleads to borrow your SUV to go with some friends to Denny's for a late night feeding. He calls 2 hours later and the first words you hear are "Mom, I'm sorry".

You just paid the vehicle off and dropped the collision coverage, this is not a good time for a car wreck you are thinking. Everyone is okay, maybe it's not that bad you keep telling yourself. Then you see your vehicle and it looks destroyed. Even if you could afford to fix it, you would never drive it again after sustaining that much damage. Junior is grounded forever!

Whats next? You need to get your car out of the towing yard and you can't have them take it to your home. Repairing all that damage is not an option either, you will have to just junk it, right? Wrong! There really aren't any junk yards anymore. There are scrap yards and auto recyclers that dismantle automobiles and sell the usable parts. Your Wrecked Vehicle is not junk! Your damaged car is not salvage. It's worth hundreds of dollars, perhaps thousands and the only way to find out is call DamageMAX for a free price quote!

Call (888) 629-2137 for an instant cash offer. We pay to tow it away and there is no charge for title processing.

Visit http://damagemax.com/contact-us.htm 24/7 and leave us your vehicle information and we will email you back a cash offer.

DamageMAX, pays the MAX for damaged and inoperable vehicles. Don't salvage your truck or car, sell it for parts and get more by calling DamageMAX.com

Avoid Paying Deductible

Joseph Coupal - Tuesday, January 28, 2014

You've had an auto accident at the worst possible time. You raised your deductible to $1500 you just had an accident and it's your fault – great!

You were saving for the down payment on a new car but now that money will be used to pay the deductible and get your car fixed. You think you will have to get it fixed first, then save up some down payment money and then trade it in next year. After all, nobody buys wrecked cars – it will have to be fixed first right? WRONG! DamageMAX buys damaged vehicles – its what we do every day.

Why pay the deductible on your auto insurance claim just to get your old car fixed. Why not cash out and go get something new? Take the repair check from your insurance company, the cash for your wrecked vehicle from DamageMAX and the $1500 you avoided paying the deductible on your collision claim and go get a new vehicle.

Turn that accident into a positive and use that event to get yourself a new vehicle.

DamageMAX makes this happen dozens of times per day for people that want to get out of paying their deductible.

All it takes is a single call to DamageMAX. Call (888) 629-2137 or visit http://damagemax.com/contact-us.htm.

Call the Damaged Vehicle Experts now for an immediate cash offer for your damaged vehicle.

Don't Commit Insurance Fraud

Joseph Coupal - Monday, January 27, 2014

You just made your last payment on your 2009 Honda CRV and its got 100,000 miles so you try to save a few bucks and you dropped collision coverage. The next day, you come out to get in your car and it's been side-swiped and it's no longer drivable. Talk about bad luck! You weren't even driving it??? You are gonna lose your car now because you can't afford to fix your car, it will cost thousands of dollars. What will you do?

Whatever you do, don't commit insurance fraud. The temptation to call your insurance company and reinstate your collision coverage will cross your mind – don't do this! Its illegal and there are stiff penalties including jail time for committing insurance fraud.

Take a look at the trends for insurance fraud by clicking here...

Don't commit insurance fraud, you can sell your wrecked vehicle and get some cash for a new car. In fact, your wrecked vehicle is probably worth a whole lot more than you think it is! Selling a damaged vehicle is easy if you call DamageMAX. DamageMAX, pays the MAX for any wrecked, damaged or inoperable vehicle. We go anywhere and if we buy your vehicle, we will tow it away for free!

If you dropped your insurance coverage and your car has been in an accident, call damageMAX.com for immediate cash for your damaged vehicle. We buy any car, anywhere!

Call (888) 629-2137 or visit www.damagemax.com for an instant, no hassle cash offer on your vehicle.

DamageMAX pays the MAX and we heart any competitive offer.

Sell Car Accident Car

Joseph Coupal - Tuesday, January 21, 2014

Most people are not aware that you can sell an accident car without repairing it. What happens is they wind up taking a neutral position in the process, the insurance adjuster takes charge and tells them they have to fix the vehicle. Most people then focus on finding a body shop that will do the work for the amount that the insurance company is paying for to avoid paying their deductible, never realizing that your accident car can be sold "as-is". WOW! They could have kept the repair check and applied it to a new vehicle and sold that wreck for top dollar. Selling an accident car is easier than you think! You don't have to move it, all you need are a few pictures, the VIN (vehicle identification number), the miles and a few minutes of your time and you can get a buy now price for your accident car, where it sits. DamageMAX makes selling your accident car easy – all you need to do is make a single phone call.

So if you have just been in an auto accident and you have a damaged vehicle to sell, DamageMAX can make it fast, safe and easy. DamageMAX.com is the leading buyer of damaged, broken and inoperable vehicles in the Continental United States, DamageMAX will beat all competitors written offers including CarMax. So call (888) 629-2137 or visit www.damagemax.com for an immediate cash offer on your accident car.

Thanks for thinking DamageMAX.com!

Sell Car with Damage

Joseph Coupal - Wednesday, January 08, 2014

DamageMAX.com buys cars with damage for MAX dollars anywhere in the Continental USA. That's great news for consumers because it's a choice that was not available until today. If you've had an accident, you either have insurance coverage or you don't. If you have no coverage, time is not your friend. You have to act swiftly and decisively or your damaged vehicle asset will wind up in the hands of a greedy tow & storage facility that wants the title to your vehicle in exchange for relief from storage fees and any other fee they can think of…THIS IS NEVER A GOOD DEAL AND RARELY EVEN A FAIR ONE!

If you have coverage, don't be a sheep and let your insurance company tell you what to do! You can take your repair check, sell your damaged car for TOP DOLLAR to DamageMAX.com and we will pay to tow it away.

Get your vehicle out of storage free and get paid! DamageMAX pays the MAX so take charge and take your insurance repair check and sell your damaged vehicle to DamageMAX.com and get paid!

DamageMAX.com guarantees MAXimum value for your DAMAGED VEHICLE. We beat all competitors offers anywhere in the Continental USA.

Call (888) 629-2137 now to speak to a Damaged Vehicle Specialist. We will even give you FREE advice on how to handle your insurance claim.

Call (888) 629-2137 or visit www.damagemax.com for a fast quote.

Sell Your Wrecked Car, Don't Fix It!

Joseph Coupal - Tuesday, January 07, 2014

Here's more proof why selling your damaged vehicle is a much better deal than fixing it and trading it in later. Once you have an accident, you have lost control of a lot more than your vehicle. You have NO SAY in what happens to you next if you don't act quickly.

1. At the accident scene, the police call the tow company of "their" choice–you can't use AAA or your MFR's Roadside Assistance because it's not an option. To make matters worse, you have no idea where your vehicle will be towed and the police are "close–lipped" and just hand you a slip of paper to call to find out where your car may be??? Check this out… the towing company in most cases will be getting a "bribe" which they label a referral for bringing your vehicle to their repair facility. You have NO SAY in this because you have no control of this process.

Now lets talk about what happens next. If you elect to fix your car, the Towing Company that dropped your car off at the body shop will get a HUGE kickback after the repairs are performed–10% of the repair amount! That's right, if the repairs are $8500 the Towing Company will get a check for $850. Guess who paid for that? YOU, YOUR insurance company and YOU again because your rates are going way up for all these expenses! Fixing your wrecked vehicle is not the best option, sell the car fast and cut your losses.

If you decide to sell your damaged vehicle, act fast because the shop that is holding your car hostage will be charging you outlandish fees. They will look like this:

Administration Fee
Daily Storage Fee ($25-75/day)
Personal Property Fee
Environmental Fee

We even had a shop charge extra to release the vehicle to anyone else but the owner of the vehicle. Wait…isn't it your car? You had an accident, the vehicle wasn't impounded for something illegal, why all these fees? Why don't you have any say who tows your vehicle?

Take control of your accident and make a quick decision. Call DamageMAX.com and let the damaged vehicle experts deal with the tow yards. DamageMAX.com will buy your damaged vehicle for top dollar, pay the charges and tow it away at no additional cost.

Call DamageMAX.com for an immediate cash offer and take charge of the situation and your vehicle. Call (888) 629-2137 to speak to a live Damaged Vehicle Consultant.


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