Back to the Acura MDX diminution of value case. I finally got through to the adjuster. She stubbornly refused to raise her offer and asked if I had an appraisal by a certified appraiser. This is an important point. She did not know that a certified appraisal is not necessary for a lot of diminished value or property damage claims. If you have a sale or a trade-in, that is proof of value just as much as a certified appraisal.
This week's case holds a lesson for everyone. It involves my client, an owner of a 2012 Land Rover with 2000 miles on it. He was traveling on a suburban road within the speed limit when another car going in the opposite direction tried to make a left had turn in front of him. Unfortunately, the other car was a late model Corvette and it was totaled. The Corvette took full responsibility. My client did what many of my clients do. He had it towed, fixed and then went to have an estimate done, to see how much he could get if he traded it in for a new one.
Here's a new diminished value case that just came in and it's troubling because there may be no good solution. The owner is a woman who has a 2012 Acura. She took it to a car wash, and got out so the attendant could drive it into the car wash. After the attendant got the front tire into the track that pushes the car through the car wash, he got out and the car lurched forward into the car in front, damaging her front bumper. He probably forgot to put in neutral.
Sorry for the long absence. I was away for a long vacation and got very backed up. Unfortunately, the delay did not help the Acura MDX claim. The adjuster just sent me for a second time what she sent before, namely, her company's breakdown of how they calculate diminished value claims, and a claim form to fill out to accept their low offer.
The Acura MDX auto property loss claim hasn't made much progress, sadly. I called the adjuster to say that her breakdown is not really important to us. I did not get through to her, and she did not call back. The reason that her breakdown is not important to us is that a court is not bound by the insurance company's policy on what to pay for a diminished value recovery. If that were true, there would be no need for courts.
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