I had a good experience a couple years ago with a totaled vehicle. My daughter had a brand new mustang, only had it for about 2 weeks and got t-boned at an intersection. She was not hurt thankfully. The adjuster showed up up and said there was no need to try and negotiate with him. He would only pay what was owed on the vehicle. I didn't argue about it and had him right up an agreement since the bank was closed that afternoon that he would pay what was owed on the vehicle. He also asked me if I had paid anything down on the car. I. Said no because of it was 0 percent interest. I thought he was very fair because what he did not know was that I had borrowed an additional $9700.00 to pay off another vehicle I owned because of the interest rate on the mustang. He called me early Monday morning and said well you did not disclose that you had borrowed more then what the vehicle cost. I said you did not ask that. Lol.
He then asked if I would negotiate the payoff. I told him the same thing he told me. There's no need to negotiate the payoff because in his words he would only pay what was owed on the vehicle and reminded him of the paper he signed.
I received a call from his supervisor the following week saying he was bringing me the check in person. I asked why and he said because he was one of the companies best adjusters and wanted to see the person that took advantage of him. Lol. I said bring it on down and I will even buy you a cup of coffee.
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