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But $5-$10 an hour is a bit low.  At least _base_ the wage on what the worker would get. Now _that_ I would tend to agree with (though it depends on the local wage averages).  But the insurance company might still make arguments such as but the worker would have social security taken out, so this just adjusts it down to what it would be without that added , and so on.  Like I said, be prepared with some good arguments if you don't like the numbers you hear. And keep your cool - nothing turns off an adjustor like being cussed out - trust me on that one Claim adjustors do have some negotiation room on claims in most cases, so if you present your case well enough, you might be able to get more than their initial offer.  Just make sure you can give a good justification for it, because the adjustor will have to justify it in their claim file, which will probably be reviewed by their supervisor, who will want to know the whys and wherefores of why the initial offer got increased. Steve

Do you haul on a daily basis? Woody Read All About How To Build An Inexpensive Dust Collector Separator Lid At: http://community.webtv.net/WoodworkerJoe/buildadustcollector Murphy's Woodworking Laws - Updated Frequently http://community.webtv.net/WoodworkerJoe/MurphysWoodworking

For HIRE that is? Woody Read All About How To Build An Inexpensive Dust Collector Separator Lid At: http://community.webtv.net/WoodworkerJoe/buildadustcollector Murphy's Woodworking Laws - Updated Frequently http://community.webtv.net/WoodworkerJoe/MurphysWoodworking

You got it.  He shows that you sold your car to him so he can tow it as his even though the bank owns the _title_ until it is paid.  Why would he want a car with a lien to sell on the open market?  IF, BIG IF, the police stop him while towing your car, he shows him the sales slip and the police lit him go on his way.  99% of the time the police don't even bother him.  When you both get to the shop, he turns the car back to you and gets his $25 or whatever.  IT S ONLY TO PROTECT YOUR FRIEND WHO OWNS A TOW TRUCK FROM GETTING A FINE WHEN HE REALLY TOWS YOUR CAR FOR HIRE. If you had to have a hired truck tow it, it may cost you over $100. I have watched HIRED tow truck drivers damage your car when they tow it. A HIRED tow truck driver hired to tow my car 8 blocks ruined the wheels because he failed to release the brakes when he towed it.  He claimed that the vehicle was damaged when he towed it.  The vehicle wouldn't start because the brakes were locked and the clutch locked.  The brakes were locked because the clutch peddle spring broke allowing the peddle to go to the floor and this allowed the hill-holder to lock the brakes. You have to know if a friend will do this, it isn't just a blow job you get off of the street like you say. Woody Read All About How To Build An Inexpensive Dust Collector Separator Lid At: http://community.webtv.net/WoodworkerJoe/buildadustcollector Murphy's Woodworking Laws - Updated Frequently http://community.webtv.net/WoodworkerJoe/MurphysWoodworking

What happens if the police department tows your motorcycle and when you get it back, it can't be started because the police department damaged it throwing it on the back of a tow trock? I said, it's usually a friend you know and yo save money here.  A hired tow runs $80 and up, plus $2.50 a mile, plus oner $60 a day storage. You have an accident, the car is tower

Auto repair for auto body work comes from an hour rate book.  There they have estimated time it takes to do a job.  Insurance claim adjusters for auto body claims have the same books.  Your adjuster should use these figures and the repairs needed to make out the check.  You can see the notes he made.  He can give you the check and you can make the repairs or he can give the check to the auto body repair shop.  Its the same check.  You can even accept the check and take it to another auto body dealer.  I spent 4 years working in a auto body shop.  We worked with several insurance companies.  Cutting the funds in half is illegal. Insurance checks are usually handed to you. You can fix it yourself or have it fixed with what ever company you want.  I was also an insurance salesman for 15 months too. Woody Read All About How To Build An Inexpensive Dust Collector Separator Lid At: http://community.webtv.net/WoodworkerJoe/buildadustcollector Murphy's Woodworking Laws - Updated Frequently http://community.webtv.net/WoodworkerJoe/MurphysWoodworking