What a ride. Sorry for the messy insurance. That is an amazing bill for your damage. I hope the insurance commissioner can extract some pain from them and perhaps they will get you paid back. I still havent switched from State Farm as they promise to review once I take the car in for my hit and run but they have said 'no fault'. Im taking the car down to AZ for repairs eventually.
I am curious what you will find with State Farm. The only Lucid approved shop in Phoenix is Raintree Autobody and that are not on State Farm's approved list. I had a discussion with my agent on how State Farm would handle this. I am sure that my agent was trying to appease me but I was assured that the State Farm adjuster would work it out with Raintree. It would be good to know your experience.
I will certainly report back. So far SF is 'covering' only 1/2 of $4800. Raintree doesnt like State Farm but they have assured me they will work it out. State Farm has said likewise once the car is there. Lots of moving lips - we will see. I will report on this in October after the completion of work. SF is actually pleased that I am not working with the shop here in Bellevue, WA for whatever reason.
Is PURE better than Cincinnati?
It's generally better reviewed by members, yeah. But not by much. They're both pretty great. Get quotes from both. If they're the same price, pick PURE. If PURE is a little more expensive, maybe pick PURE, but figure out what they offer that's better/different. If it's a lot more expensive, Cin is great.
At that price, I'd go Cin.
Thanks for the advice.
But you will receive 10x the service from Pure and Chubb. If you ever need to use State Farm you will most likely pay out of pocket for some of the repairs.
Well, maybe but I save around $15K a year with State Farm Pure and that goes a long way towards repairs.
My concern is State Farm will pay based on depreciated value whereas Pure and others will pay on replacement value. So currently if you total a GT, State Farm might pay $100k whereas Pure would buy a new GT. At least thats what I understand. They are trying to pay me 50% on a fender bender hit and run. Some of this comes down to trust as well especially with real estate property and the escalated prices. What value does State Farm place on that - likely what you ensured if for and not the current replacement value.
Other companies do offer that, although it might not be standard. I'm with Safeco, which is a division of Liberty Mutual. I have a full replacement option on there for $49/year. It's the only reason I still have a Lucid.
SafeCo, Pure, Chubb, Cincinnati are all HNW insurers which will offer agreed / replacement value.
All insurance companies start with a low ball offer. The insurance company has no database in the estimating system for lucid, so at best they are guessing. Send a copy of the estimate that SF provided to the certified shop, when your car arrives, they will take everything apart and submit a supplement to SF for the difference. This is where SF is ultra slow. It may take weeks prior to getting approval.
