American Family Insurance Group I Got "SCREWED" BIG TIME BY AMERICAN FAMILY INSURANCE GROUP Nationwide

You can disagree with me all you want, however, you are wrong.  I have worked in the insurance buisness for over 10 years.  The insurance company does NOT have an obligation to make the INSURED whole...ANY insurance company is ONLY obligated to pay the ACTUAL value of a vehicle that is deemed totaled.  They are NOT obligated to cover the balance payoff when it is higher than the value of the vehicle.  Insurance does not cover someone's credit rating or how it affects their payments, it ONLY covers the vehicle itself. 

As far as compensating him for "loss of use" shop me where in the insurance policy it states the insurance co is responsible for this?  You can't, because they are NOT.

You need to do a little research before giving our INCORRECT information.

RE:

No problem paying for OEM parts?  Could be 3 options. 

1)  There are no such things as an aftermarket part for whatever they replaced which is possible in some vehicles. 

2)  Your ignorance has gotten the better of you and you don't realize it was aftermarket parts. 

3)  Your adjustor just flat lied to you

But it's definately not common for insurance companies to pay for OEM parts.  Rates would be twice as high if they did.  And for those who don't know....75% of the time, the only difference between aftermarket and OEM is the vehicle makes name stamped on it, lol.  Take windshields for example, do people actually think that Ford or Chevy or Toyota make their own windshields?  They all come from the same factory and each company stamps their brand on it.  Ignorance is bliss I guess.

"ANY insurance company is ONLY obligated to pay the ACTUAL value of a vehicle that is deemed totaled."

  Not only have I already stated that the insurance company is under no obligation to pay the balance of the OP's loan, I've also described the difference between wholesale and retail values. Your emphasis on "ACTUAL" value is meaningless in this sense. Basically, the OP was out a car. The insurance company is responsible to compensate the OP to the extent that he can replace the car with one of similar make, model, age and condition (notice I'm having to repeat myself?). Offering a wholesale bluebook value is disingenuous because the OP cannot buy a replacement vehicle at wholesale (unless he is a car dealer). Visit a courtroom sometime and see if you can find a judge that thinks wholesale values apply here.

 It occurs to me that your response assumes that American Family is the OP's insurance company, while my responses assumed that American Family is the at-fault driver's insurance company. Reading the original post, there is no way of telling whose assumption is correct. If American Family is the at-fault driver's insurance company, then yes, they are required to make the OP whole (up to the limits of the policy), including a temporary replacement vehicle if necessary. This is a basic concept in liability law. If American Family is the OP's company then the OP's recovery is based on his policy's provisions and he must recover the remainder by filing suit against the at-fault driver.

 Unless the at-fault driver was uninsured, I have a hard time trying to imagine why the OP would be making a claim on his own policy.

Hello. The insurance company, whether it be the OPs insurance company OR the insurance company of the person who may have hit them, is ONLY obligated to pay the actual value of the car.  The actual value being based on such examples as the Blue Book value, Edmonds, etc.  They will only pay what their OPs car was worth.

I never stated they are responsible for paying the balance of the OPs loan.  I also did not state anything about the wholesale value of the vehicle. 

As I have stated before, I have worked in the insurance industry for over 10 years and am licensed to sell insurance is all 50 states.  I think I know what I am talking about.

 Thank you,

RE: Flynrider  Phoeix  U.S.A.  ...Elphaba

"Hello. The insurance company, whether it be the OPs insurance company OR the insurance company of the person who may have hit them, is ONLY obligated to pay the actual value of the car. The actual value being based on such examples as the Blue Book value, Edmonds, etc. They will only pay what their OPs car was worth."

 "I also did not state anything about the wholesale value of the vehicle."

 Are you reading my posts? Did you read the OP's post? You keep repeating that they will pay the "actual value". Are you not getting that the OP's and my posts are addressing the insurance company's attempt to pay the wholesale market value? I have a hard time believing you've been in the insurance industry for 10 years if you don't grasp this.

 Kelly, Edmunds, etc... all list more than one price for a particular vehicle. The insurance company was trying to lowball the OP by offering the wholesale price. That is the "ACTUAL VALUE" of the car to a dealer. The retail price (which is substantially higher) is the "ACTUAL VALUE" of the car to the OP, since the OP has no way of replacing the vehicle for the wholesale value. Small claims courts deal with these issues all the time and I guarantee you'll never find a judge that uses the wholesale value to determine the value of a totalled vehicle.

 Oddly enough, a friend of mine just settled a claim with Progressive yesterday.  They also tried to lowball him with the wholesale price from NADA.  When he pointed this out to them, they immediately revised the offer to reflect the retail price.