Farmers Insurance My car was in an accident not our fault,farmers Insurance does nor the kelly blue bok or nada to pay they use copart which is a ripoff and will give us about one third of the books value. Los Angeles, California

You said your uninsured motorist coverage applied for this loss. If you did not have collision coverage at the time of the accident then your uninsured motorist coverage only allows a maximum of $3,500 to be paid for the vehicle. This is a policy limit that the adjuster cannot pay over otherwise they would be fired and the company could even be fined by the DOI. If you had collision coverage at the time of loss then a $0 deductible typically applies (from past experience). The moral of the story from this is if you think your car is worth over $3,500 get collision coverage.

Also, Copart is not an appraisal company. Copart is a salvage vendor that Farmers uses to auction the totaled vehicles. Farmers uses CCC One to determine the value. The value of your vehicle is affected by mileage, options, and the pre-accident condition. There are two issues with KBB retail values: 1) they don't adjust for mileage over 200k and 2) their retail value accounts for dealer overhead. Your policy is most likely only for actual cash value (private party) unless you owe a brand new car and have an endorsement for replacement cost value. Also, the California DOI does not recognize KBB or NADA as valid valuation sources. They require actual comparable vehicles to determine the value.

In this situation you need to make sure that you have coverage to pay for the loss and support with actual vehicles showing that similar vehicles are consistently priced higher in the local market.

stacie lives in a fanasty world where she believes she knows everything and can solve all the world's problems. Big BS. stacie need rehab bad before she goes berserk and harms innocennt people. stacie is a big danger to anyone who get her rebutts. no I don't work for bob from irvine

How old is the car and what is the mileage??? You did not state this -