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Usaa ins is trying to screw us
by Gina M
(Simi Vly Ca)
we bought a boat and had it for six weeks.We were in an accident and were 100% not at fault.We paid 5000.00 for the boat. The ins co usaa is offering us 3154.06 after a 750.00 salvage fee, 212.06 sales tax fee, and a 17.00 owner salvage title fee. We want what we paid for the boat. Is that possible? They claim a total loss.
We are not sure if we are talking about a new or an used boat. If the boat is new, then they must take into account what you paid. We are not sure why they are taking a salvage title fee and a sales tax fee. You need to dispute that.
The best thing to do is look as for the comps the insurance company is using to settle your claim. Just like a total loss of a car, they must justify the value of your boat. They need to show you the fair market value. Ask for the comps and verify that those boats are equal to yours and that the actually exist. Also, request that they use the value that you paid as a comp.
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