CX-3 Update: Confirmed Rumors

"CarsofFortLangley - Oppo Forever" (carsoffortlangley) 09/04/2019 at 16:17 • Filed to: None

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I heard from an unofficial ICBC source (my insurer) that the CX-3 is a total. While I am elated, part of me is skeptical until I hold that tasty cheque in my hands.

Update II: Right after posting, yep. It’s gone.

Thank God.

!!!error: Indecipherable SUB-paragraph formatting!!! I basically got a non-reply.

“Good Morning (COFL),

I have sent off your email to my estimating team as they will be the one’s to review the material damage that you have sent over.

Once my estimating team, and the estimator you met with have reviewed everything, the estimator will be in contact to further discuss.

Thanks,”

To which I replied:

“Thanks (Adjuster),

One more thing, I was concerned that the “biohazard team” missed what appears to be a not insignificant quantity of blood spatter on the passenger seat, passenger door, passenger carpet and passenger trim. That seat will need to be fully replaced as the material (perforated leather and suede) cannot be cleaned enough to mitigate the risk of Hepatitis B or C and HIV.

!!!error: Indecipherable SUB-paragraph formatting!!!

Look forward to hearing from the estimator.”

Beyond that, I called and left a voicemail for my adjuster today asking for the Manager of the theft unit to call as, due to where things stood at the time, it was nearly a month since the theft, our rental coverage is totally out and we still have no idea what they were planning on doing with car. Which, I implied, could be considered bad faith.

I then almost immediatly received a call from another ICBC office (they have local claims centres) who told me to pick up the items from the car that were not stolen. She’s the one who confirmed with me that it is a total loss.

So now what’s the plan? Negotiate with them. Settle, buy that Sportwagen. The games have just begun now that it is time to talk money.

CB > CarsofFortLangley - Oppo Forever 09/04/2019 at 16:21

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Trust nothing until there’s paper and signatures.

CarsofFortLangley - Oppo Forever > CB 09/04/2019 at 16:24

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Hey man, you’re preaching to the choir on that.

CB > CarsofFortLangley - Oppo Forever 09/04/2019 at 16:27

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Congrats on it being confirmed!

Wacko > CarsofFortLangley - Oppo Forever 09/04/2019 at 16:28

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when then told me my SX4 was a total loss, the guy tells me well you can start shopping. I asked him ok, what amount am I getting. He told me he didn’t know, so I waited a month till i got the official amount then boug ht the pathfinder.

CarsofFortLangley - Oppo Forever > CB 09/04/2019 at 16:29

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Thanks for the Hep B&C thought.  I was more concerned with cosmetic damage/long term financial hits to think of it

BlueMazda2 - Blesses the rains down in Africa, Purveyor of BMW Individual Arctic Metallic, Merci Twingo > CarsofFortLangley - Oppo Forever 09/04/2019 at 16:30

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This is honestly the best news I’ve read all week.

I’m glad it worked out.

Michael > CarsofFortLangley - Oppo Forever 09/04/2019 at 16:31

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Thank goodness something went right

M.T. Blake > CarsofFortLangley - Oppo Forever 09/04/2019 at 16:31

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Don’t we have an attorney on retainer around here?!

The Ghost of Oppo > CarsofFortLangley - Oppo Forever 09/04/2019 at 16:31

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CB > CarsofFortLangley - Oppo Forever 09/04/2019 at 16:40

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Well, I’m the health and safety guy at work, so biohazard is a natural concern (and a frequent one). Glad I could help!

shop-teacher > CarsofFortLangley - Oppo Forever 09/04/2019 at 16:42

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Glad to hear the good news!

AestheticsInMotion > CarsofFortLangley - Oppo Forever 09/04/2019 at 16:46

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Congrats. And again, I know it’s your area of expertise, but it’s pretty cool to see someone navigate the murky depths of claims and insurance with such skill. I really love that about oppo. So many different walks of life.

(tune the sportwagon) 

412GTI > CarsofFortLangley - Oppo Forever 09/04/2019 at 17:04

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Glad to see it finally worked out! Fuck getting back in that car. 

fintail > CarsofFortLangley - Oppo Forever 09/04/2019 at 17:05

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Congrats, and for what you pay, you deserve it. T he settlement is just a few years  of premiums.

Chariotoflove > CarsofFortLangley - Oppo Forever 09/04/2019 at 17:06

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I’m gonna say your letter got a reply in the final result.

Hey, let me ask you for your thoughts, if you don’t mind. I know you’re in Canada and the system may be different there is important ways, but here it is anyway. End of July, I was picking my wife up at the airport, and a a guy in his ‘93 Saab ran his nose into my fender/bumper trying to edge in front of me in the pick up lanes. I wasn’t changing my lane, just inching forward, and I think he misjudged the gap he had to dart in front of me. The cop there took pics and brokered the info transfer, but didn’t file a full accident report, just an incident report because the incident was very low speed.

Anyway, I filed a claim with the other guy’s insurance, State Farm of Illinois, because it was all his doing. They took my statement over the phone, and I’ve been waiting to hear back. I’m cynical and think they’ll come up with some reason to deny my claim. I’m thinking of writing a rollup letter, sending pics, and reminding them that the cops have a file also with pics on the scene. I want to discourage them from trying to weasel out.

My reasoning comes from the fact that in a previous accident where another girl ran into my wife, and it was totally the girl’s fault, the girl’s dad’s insurance tried to deny the claim with some bs about how my wife should have been able to do more to avoid the accident, so that made her partially at fault. I had to strongly imply that that wouldn’t hold up in arbitration, and they changed their mind rather than get further into it. I’m thinking of the same thing here, but more preemptively . Thoughts on whether that will help?

Supreme Chancellor and Glorious Leader SaveTheIntegras > CarsofFortLangley - Oppo Forever 09/04/2019 at 17:07

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Can we light it on fire for a proper viking funeral?

BeaterGT > CarsofFortLangley - Oppo Forever 09/04/2019 at 17:15

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Sweet relief. Glad to hear the debacle is almost over. 

Cash Rewards > CarsofFortLangley - Oppo Forever 09/04/2019 at 17:19

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Great news!

How long until we see pics of the new ride?

CarsofFortLangley - Oppo Forever > Cash Rewards 09/04/2019 at 17:21

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I gotta settle yet, but by the end of the month I think.  This is it!

Cash Rewards > CarsofFortLangley - Oppo Forever 09/04/2019 at 17:25

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Awesome!

vicali > CarsofFortLangley - Oppo Forever 09/04/2019 at 17:33

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gettingoldercarguy > CarsofFortLangley - Oppo Forever 09/04/2019 at 17:36

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Sucks you won't have the wagon for Portland but I'm glad they saw things your way.

Maxima Speed > M.T. Blake 09/04/2019 at 17:50

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Heh heh

MM54 > CarsofFortLangley - Oppo Forever 09/04/2019 at 18:04

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Congratulations! (which is a weird thing to say about a car being totalled)

smobgirl > CarsofFortLangley - Oppo Forever 09/04/2019 at 18:05

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Glad they took that seriously! I hope the rest of the process moves a bit quicker and you’re in the new car soon!

AMGtech - now with more recalls! > CarsofFortLangley - Oppo Forever 09/04/2019 at 18:41

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Soooo... New car for the meet this weekend???

Saracen > CarsofFortLangley - Oppo Forever 09/04/2019 at 18:48

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Thank goodness! Congra ts on your soon-to-be new ride.

His Stigness > CarsofFortLangley - Oppo Forever 09/04/2019 at 19:52

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WHOOO HOOO!!!! 

Longtime Lurker > CarsofFortLangley - Oppo Forever 09/04/2019 at 20:16

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Good!

CarsofFortLangley - Oppo Forever > Chariotoflove 09/04/2019 at 20:47

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Personally, my honest advice is to never go through other peoples insurance. Always go first party and subrogate. Why have somebody else’s insurer help you? They have no financial ties to you.

I would say that the “aggressive ” approach is probably the way to go. Keep on them, be reasonable yet firm. Overwhelm them with photos, diagrams, photos of the crash area and witness statements .

Chariotoflove > CarsofFortLangley - Oppo Forever 09/04/2019 at 20:55

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Personally, my honest advice is to never go through other peoples insurance. Always go first party and subrogate.

Thanks. I think this is good advice that I should have thought of from the start. Now that I’ve done what I have, I’ll see what happens, and if I need to, I’ll file my claim with USAA and let them go after the other guy’s insurance for it.

CarsofFortLangley - Oppo Forever > Chariotoflove 09/04/2019 at 20:58

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Also, this may not apply as much in Auto, but if I damaged your home and you went through my CGL cover, my insurers only owe you ACV (actual cash value) or depreciated amount .

Whereas , most homeowners policies are on a replacement cost (new for old) basis.

merged-5876237249235911857-hrw8uc > CarsofFortLangley - Oppo Forever 09/04/2019 at 21:19

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Chariotoflove > CarsofFortLangley - Oppo Forever 09/04/2019 at 21:45

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True.

Future Heap Owner > CarsofFortLangley - Oppo Forever 09/04/2019 at 22:55

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I’m really glad to hear this. Seems that all of your persuasion was effective.

Too bad you couldn’t get the wagon for this weekend, but hopefully you’ll get it soon!

CarsofFortLangley - Oppo Forever > AMGtech - now with more recalls! 09/04/2019 at 23:36

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Sadly I'll just be bringing my Fiesta. But should be fun anyway!

pip bip - choose Corrour > CarsofFortLangley - Oppo Forever 09/05/2019 at 06:10

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good to hear the car was totalled