Esurance / Avoid this company
I was in an accident on Aug 20. I was rear ended at 30 mile per hour and my car was totaled. So please keep in mind that this accident was in no way my fault and could not be prevented or avoided.
I called Esurance and the man that answered was everything you needed after being in an accident. He was kind and very patient. The next day I talked to a case worker and she was very nice and walked me through what would happen next. The appraisor came out and saw my car. He valued the car at $7400!?!? Kelly blue book valued my car at $9180. How could this happen.
So Mr. Appraisor went to autotrader.com and picked three cars in my area from private sellers. One car was valued at 11K, one at 9.5K and the other at 7K. The average is 9K+. The appraisor basically claimed in his report that I could replace my car with 7K.
The adjuster sent me the report I am mentioning (this is a very useful tool, if you do not have it request it). I called her and explained that this was outrageous. There was no way I was going to be able to replace my car with the amount they claimed it was worth. So I emailed her the KBB value and a handful of auto trader ads for cars in my area and told her it was unrealistic to think I can replace my car with the amount she quoted. She responded and said I could get my own appraisor and to make his report. If they disagree we will have to go to an umpire.
No one plans to be in an accident but it really stinks to be in one and have the people you pay on time every month really screw you over...it has been 3 weeks now and we are still going back and forth in email. Wish me luck.
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