No longer so GR8 RX8
12-21-2005 | 03:36 PM
#26
脾臓が痛みました
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From: Land of Peaches, Pecans, and Peanuts
Originally Posted by TJLack
I'm a really lucky guy who gets to have three insurance claims and three large deductibles - one for each car and one for the house!
so yeah, lucky...at least somewhat
12-21-2005 | 04:05 PM
#28
Wow you are very lucky, I've seen two other house fires that started in the garage due to a vehicle and both ended up totaling the house. I couldn't believe that your garage was that intact. Oh and here is a bit more interesting info, I have worked about 11 vehicle fires, 10 have been fords, mostly rangers (even a new f150). I'll never own a ford.
12-21-2005 | 06:04 PM
#30
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From: Lancaster, NY
Originally Posted by Glyphon
yeah, but you could be a newly homeless guy that has three ins. claims. and the one for the garage would be less than one for the whole house. also, you could have lost irreplacibles, such as heirlooms and photos.
so yeah, lucky...at least somewhat
so yeah, lucky...at least somewhat
12-21-2005 | 06:07 PM
#31
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From: Lancaster, NY
Originally Posted by Roaddemon
Man, that's totally terrible. I feel for ya. I'll bet the insurance co. will be talking to Ford about this. May result in some kind of recall for that year taurus.
12-21-2005 | 06:08 PM
#32
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From: Lancaster, NY
Originally Posted by WantedTwo
Wow you are very lucky, I've seen two other house fires that started in the garage due to a vehicle and both ended up totaling the house. I couldn't believe that your garage was that intact. Oh and here is a bit more interesting info, I have worked about 11 vehicle fires, 10 have been fords, mostly rangers (even a new f150). I'll never own a ford.
Apparently there was a new code for fire resistant materials in garages a few years ago. We were told that if the house was an older home we would have lost everything!
12-21-2005 | 07:02 PM
#33
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From: Orlando, FL
sorry to see that. glad everyone is ok
Also check the nhtsb.gov for complaints about the 2000 Taurus. The insurance co will probably do this but it's just something that you might find helpful.
Did you say that you have three different insurance companies or three different policies? If all of your policies are with the same company they should be willing to accept 1 deductible for this case. Might still be the highest one, like the house but less is better.
Lot's of experience with insurance due to hurricanes. You will have to ask the adjuster they might not volunteer to consolidate the deductible. You might also want to get an independent adjuster out of the phone book. Most insurance cos depend on the customer never reading all the fine print or knowing the state regs. Things seem to go much smoother when you hire your own advocate.
Also check the nhtsb.gov for complaints about the 2000 Taurus. The insurance co will probably do this but it's just something that you might find helpful.
Did you say that you have three different insurance companies or three different policies? If all of your policies are with the same company they should be willing to accept 1 deductible for this case. Might still be the highest one, like the house but less is better.
Lot's of experience with insurance due to hurricanes. You will have to ask the adjuster they might not volunteer to consolidate the deductible. You might also want to get an independent adjuster out of the phone book. Most insurance cos depend on the customer never reading all the fine print or knowing the state regs. Things seem to go much smoother when you hire your own advocate.
12-22-2005 | 08:46 AM
#37
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From: Lancaster, NY
Originally Posted by beachdog
sorry to see that. glad everyone is ok
Also check the nhtsb.gov for complaints about the 2000 Taurus. The insurance co will probably do this but it's just something that you might find helpful.
Did you say that you have three different insurance companies or three different policies? If all of your policies are with the same company they should be willing to accept 1 deductible for this case. Might still be the highest one, like the house but less is better.
Lot's of experience with insurance due to hurricanes. You will have to ask the adjuster they might not volunteer to consolidate the deductible. You might also want to get an independent adjuster out of the phone book. Most insurance cos depend on the customer never reading all the fine print or knowing the state regs. Things seem to go much smoother when you hire your own advocate.
Also check the nhtsb.gov for complaints about the 2000 Taurus. The insurance co will probably do this but it's just something that you might find helpful.
Did you say that you have three different insurance companies or three different policies? If all of your policies are with the same company they should be willing to accept 1 deductible for this case. Might still be the highest one, like the house but less is better.
Lot's of experience with insurance due to hurricanes. You will have to ask the adjuster they might not volunteer to consolidate the deductible. You might also want to get an independent adjuster out of the phone book. Most insurance cos depend on the customer never reading all the fine print or knowing the state regs. Things seem to go much smoother when you hire your own advocate.
Thx
12-22-2005 | 08:47 AM
#38
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From: Lancaster, NY
Originally Posted by Melchior
I would say your very very lucky. Not only is everything safe and peachy, you get to replace your yucky silver/grey RX-8 with something nicer (and hopefully not silver heh).
12-22-2005 | 08:57 AM
#39
sorry to see that man, one question mostly for the silver owners, when things like this happen, fire,crashed, stolen how the insurance work??? do they pay you what you pay when you got the car or do they give you the book value of it??
i didnt want to start an new thread, so i figure i can just look for people with totaled silvers and see what they say...
i didnt want to start an new thread, so i figure i can just look for people with totaled silvers and see what they say...
Last edited by knight7; 12-22-2005 at 09:29 AM.
12-22-2005 | 11:07 AM
#40
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Originally Posted by TJLack
Here is her car
Bada-boom. Hope that (tiny) bit of levity brings a smile to you. Can't offer anything else except heart-felt relieft that everyone was okay. Are the two cars on the same policy? If so, did you ask your insurance company about only paying 1 deductible because it is only one claim for one loss event?
I had one crash in a 1995 Pontiac Sunfire which tore up something bad enough to start a fire under the hood a few minutes later. The airbag had protected me completely so I was out of the car in about 3 seconds with my two-year-old under one arm and long gone by the time the engine compartment was really flaming. However, the lesson wasn't lost on me. If I'd been unconcious I might not have known I burned to death, but my two-year-old strapped in the back was never unconcious and she would have known. <big shudder>
That was my oldest daughter. We quietly mark an extra birthday for ourselves on September 25th each year. By my clock we're on 8 years+ of bonus time so far. However, I find it easy to be of two minds about the whole issue. Everyone understands the <shudder> but at the same time I feel a euphoria - felt it 8 years ago too. I almost wanted to dance when I saw the car burning (after the initial shock) because I wasn't in it. Funny how the mind works, or maybe my mind is just odd.
Good luck getting replacement cars - remember, 30 days (of rental reimbursement from the insurance company) goes by quick!
12-22-2005 | 12:59 PM
#42
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From: Lancaster, NY
Originally Posted by knight7
sorry to see that man, one question mostly for the silver owners, when things like this happen, fire,crashed, stolen how the insurance work??? do they pay you what you pay when you got the car or do they give you the book value of it??
i didnt want to start an new thread, so i figure i can just look for people with totaled silvers and see what they say...
i didnt want to start an new thread, so i figure i can just look for people with totaled silvers and see what they say...
I can tell you where I am right now on this one:
- 2004 RX8 GT - all options except CD changer and navigation system. I paid $30,100 for it plus tax 9/2004.
- $1,500 in cosmetic add-ons, so $34k in the car total with tax.
- No final offer yet - but they are presently at $26,400 plus tax or $28,578. This represents an average of retail values adjusted for mileage as published by NADA and Red Book (whatever that is). I went online and did Edmunds ($25,917 dealer retail), NADA ($28,025 dealer retail) and Kelly Blue Book ($27,395).
- I submitted a letter from my dealer attesting to the car's pristine condition and have asked for consideration of that and for the aftermarket parts.
We'll see what the come back with. In reality, I can go buy a reasonably similar 2004 for $23k - $25k, so the settlement is not all bad.
12-22-2005 | 01:00 PM
#43
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From: Lancaster, NY
Originally Posted by Cool-Blue-Dad
I've seen worse looking 2000 Taurus on the road. What did it look like after the fire?
Bada-boom. Hope that (tiny) bit of levity brings a smile to you. Can't offer anything else except heart-felt relieft that everyone was okay. Are the two cars on the same policy? If so, did you ask your insurance company about only paying 1 deductible because it is only one claim for one loss event?
I had one crash in a 1995 Pontiac Sunfire which tore up something bad enough to start a fire under the hood a few minutes later. The airbag had protected me completely so I was out of the car in about 3 seconds with my two-year-old under one arm and long gone by the time the engine compartment was really flaming. However, the lesson wasn't lost on me. If I'd been unconcious I might not have known I burned to death, but my two-year-old strapped in the back was never unconcious and she would have known. <big shudder>
That was my oldest daughter. We quietly mark an extra birthday for ourselves on September 25th each year. By my clock we're on 8 years+ of bonus time so far. However, I find it easy to be of two minds about the whole issue. Everyone understands the <shudder> but at the same time I feel a euphoria - felt it 8 years ago too. I almost wanted to dance when I saw the car burning (after the initial shock) because I wasn't in it. Funny how the mind works, or maybe my mind is just odd.
Good luck getting replacement cars - remember, 30 days (of rental reimbursement from the insurance company) goes by quick!
Bada-boom. Hope that (tiny) bit of levity brings a smile to you. Can't offer anything else except heart-felt relieft that everyone was okay. Are the two cars on the same policy? If so, did you ask your insurance company about only paying 1 deductible because it is only one claim for one loss event?
I had one crash in a 1995 Pontiac Sunfire which tore up something bad enough to start a fire under the hood a few minutes later. The airbag had protected me completely so I was out of the car in about 3 seconds with my two-year-old under one arm and long gone by the time the engine compartment was really flaming. However, the lesson wasn't lost on me. If I'd been unconcious I might not have known I burned to death, but my two-year-old strapped in the back was never unconcious and she would have known. <big shudder>
That was my oldest daughter. We quietly mark an extra birthday for ourselves on September 25th each year. By my clock we're on 8 years+ of bonus time so far. However, I find it easy to be of two minds about the whole issue. Everyone understands the <shudder> but at the same time I feel a euphoria - felt it 8 years ago too. I almost wanted to dance when I saw the car burning (after the initial shock) because I wasn't in it. Funny how the mind works, or maybe my mind is just odd.
Good luck getting replacement cars - remember, 30 days (of rental reimbursement from the insurance company) goes by quick!
12-22-2005 | 01:06 PM
#44
Smooth Criminal
Joined: Dec 2004
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From: Atlanta, Georgia
actually, there is a new insurance out now, i have seen ads for it, you get replacement value for your car. Allstate IIRC. I could be wrong about the company, but it is now available. Probably costs a lot more.
12-22-2005 | 02:26 PM
#45
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Originally Posted by TJLack
You get current value - no such thing as replacement value for car insurance that I know of (though a friend says they have that in Canada).
[snip]
- No final offer yet - but they are presently at $26,400 plus tax or $28,578. This represents an average of retail values adjusted for mileage as published by NADA and Red Book (whatever that is). I went online and did Edmunds ($25,917 dealer retail), NADA ($28,025 dealer retail) and Kelly Blue Book ($27,395).
[snip]
- No final offer yet - but they are presently at $26,400 plus tax or $28,578. This represents an average of retail values adjusted for mileage as published by NADA and Red Book (whatever that is). I went online and did Edmunds ($25,917 dealer retail), NADA ($28,025 dealer retail) and Kelly Blue Book ($27,395).
Using that baseline they pro-rated value of my car for mileage, new tires, some of my add-ons, some of my personal property that was in the car, etc.
Doing it that way makes it almost defacto replacement value by zeroing in on the current market value.
If that are adding sales tax to your settlement (~8% in your county? we are 8.00% in Steuben right now) that is *huge*. My Sunfire settlement was in Oregon so no sales tax there, but sales tax is *thousands* in most locations. Glad to hear they'll cover it Sales tax will be far more than your deductible. How lucky can you be?
Getting back to your first post - glib remarks and proper perspective aside - I'll join you in mourning the loss of your RX-8. It's always a shame when they're cut down so long before their time. Nothing wrong with a keepsake box.
12-22-2005 | 06:21 PM
#47
Glitchy Rotary Madness
Joined: Jul 2003
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I'm so glad your family (and home!) wasn't hurt in this fire.. so the garage and two cars are toast.. the house and family is OK.
Best of luck in finding suitable replacements for both cars.. glad to see you're still thinking Rotary Rocket for yourself.. mebbe get one for her too?
Oh, and make sure to get the engine block out of the Ford, and toss it through Bill Ford's window, with a note attached
Best of luck in finding suitable replacements for both cars.. glad to see you're still thinking Rotary Rocket for yourself.. mebbe get one for her too?
Oh, and make sure to get the engine block out of the Ford, and toss it through Bill Ford's window, with a note attached
12-22-2005 | 07:03 PM
#48
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From: Fredericskburg VA
Originally Posted by L8APEX
actually, there is a new insurance out now, i have seen ads for it, you get replacement value for your car. Allstate IIRC. I could be wrong about the company, but it is now available. Probably costs a lot more.
12-22-2005 | 07:52 PM
#49
so if someone steels my car or it burns to ashes they would basically replace it with another car that cost arround the same as my car. for example, my car is fully loaded, payed 42,000 after tax, so if my car burns to death they would get me another 2004 with the same options and about the same milage?? its understandable that the car is not gonna be 36,000 no more. but it be the same.
