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Is usaa trying to screw me?
I hit their client at 45mph as he was attempting to make a u-turn. His fault as the police report states.
Failure to yield to oncoming traffic. Damage to my vehicle exceeds its worth to them. (1) estimate by there flagship body shop in our area. Now after I was informed to remove all my belongings, tag toolbox etc.. my truck has now been towed from FL. to AL.
This has happened without my signature or settlement. As it was not my fault, and to replace my vehicle prices start at 4800.00 why are they only offering me 3241.00 plus some B.S. 224.00 tax check that they supposedly will send me later after I purchase another truck? AS this truck is how I make money, should they not be responsible to replace my truck?
As I understand your question, you have a truck that was declared a total loss. You replaced it for $4,800, but they are offering you $3,241 + a 224.00 tax. So a total of $3465 or a $1335 difference.
If the truck is a total loss, they are required to pay you its fair market value, which does not mean replacement.
However, they owe you for the rental value of a similar truck the days that you were out of a vehicle until they made you an offer or made a payment to you (depends on the state).
To learn how to get the best value of your truck, click here or consider getting this eBook, there are great ways to increase your payment.
Regarding your question about the truck being the way you make money?
Again, they owe you the fair market value of the truck, but if you can show that you could not work or you lost out on some jobs by providing some written evidence (like giving them some receipts or contracts showing that you did not fulfilled your obligations).
A lost wages claim can be difficult to make, but it is something available to you, click here for more information regarding lost wages.
I hope this helps,
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