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An Insurance Question: Resolved!

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Forum topic by poopiekat posted 202 days ago 1579 views 0 times favorited 58 replies Add to Favorites Watch
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poopiekat

3596 posts in 2369 days


202 days ago

Topic tags/keywords: stolen

My 4 yr old snowblower was stolen from the repair shop. The shopowner handled all the insurance and police stuff. The insurance company sent a check to him, which was for my original purchase price minus 10% per year depreciation. ( it’s 4 yr old = 40%.. ouch!)
My question is: Is this check mine? He wants to give me a replacement unit which is about the equivalent value (in his opinion) but it is a older machine. On the upside, it has a B&S motor, mine had a Chinese Honda knockoff motor. This replacement is bigger, in width and hp.
If you’ve been through this type of incident, how are things supposed to go? I should probably insist on grabbing the check, but I really don’t want to slap another $500-$800 with it into a new machine. Suggestions, guys? I want this all to go down as drama-free as possible, without getting scrawed.

-- Einstein: "The intuitive mind is a sacred gift, and the rational mind is a faithful servant. We have created a society that honors the servant and has forgotten the gift." I'm Poopiekat!!


58 replies so far

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Monte Pittman

13831 posts in 973 days


#1 posted 202 days ago

Check is yours. You decide what you get not him.

-- Mother Nature created it, I just assemble it. - It's not ability that we often lack, but the patience to use our ability

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SpindleMaker

13 posts in 344 days


#2 posted 202 days ago

+1 for Monte

-- Every man is a damn fool for at least five minutes every day; wisdom consists in not exceeding the limit.

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poopiekat

3596 posts in 2369 days


#3 posted 202 days ago

Wow, I’d hoped for an expert opinion, and I got it!!! Thank you Monte!

-- Einstein: "The intuitive mind is a sacred gift, and the rational mind is a faithful servant. We have created a society that honors the servant and has forgotten the gift." I'm Poopiekat!!

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littlecope

2898 posts in 2137 days


#4 posted 202 days ago

Sounds to me like the Check is yours my Friend, but I would take the machine!
For example, our Vehicle got grazed by the Plow Driver this Winter, and I received a check for damages… which promptly got given to the Collision Center to get it fixed… It was a no gain, but no loss deal…

-- Mike in Concord, NH---Unpleasant tasks are simply worthy challenges to improve skills.

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TheDane

3743 posts in 2297 days


#5 posted 202 days ago

Take the check and buy an Ariens snowblower … American made (in Wisconsin) with B&S engines.

-- Gerry -- "I don't plan to ever really grow up ... I'm just going to learn how to act in public!"

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reedwood

872 posts in 1310 days


#6 posted 202 days ago

hold up now guys…. not so fast.

he paid for the insurance and he will pay the increase in premiums next year. The check is written to him.

Now, you deserve to be reimbursed and made whole again. You can have a conversation and barter to the point where there is a meeting of the minds. he can’t force you to take the older snow blower anymore than you can force him to turn over the insurance check.

It’s just and offer. If you feel the older unit isn’t quite a fair trade, then barter…. ask for a little money too.

Or say no thank you. I would like a better unit. How about taking a cash offer and You come up with a little money and go get yourself a brand new TORO? Now there’s an idea. Snow blowers don’t last that long anyway.

WORK IT OUT. He benefits either way. you are using it on his property, right?

just a counter point guys…all ideas need to be considered.

fyi – when you get older, you remember every god damned bridge you burned. life is mighty short, turns out.

-- Mark - I prefer the tumult of liberty to the quiet of servitude. - Malo periculosam

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poopiekat

3596 posts in 2369 days


#7 posted 202 days ago

Thanks for the great replies!
This would have been easier if the snowblower was stolen out of my own garage.
More difficult to negotiate with two parties involved instead of just one.
Being the entrepreneur that the repair guy is, it’s logical to assume he’d try and make a little $$ off my misfortune.
The big issue is to be standing in my driveway with a check in my pocket, and no snowblower. In my mind, I could take the check, add an equivalent amount of cash to it, and get a nice Ariens or Toro (great suggestions, guys!). But at the end of the day, my bank account would be like as if the thieves simply withdrew the money themselves.
At the end of the day, I either wind up with an older snowblower of unknown overall condition, or pay more money to have a snowblower of choice in the shed, which is what I had in the first place.

-- Einstein: "The intuitive mind is a sacred gift, and the rational mind is a faithful servant. We have created a society that honors the servant and has forgotten the gift." I'm Poopiekat!!

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distrbd

1075 posts in 1081 days


#8 posted 202 days ago

Older used snowblower equals worn out parts like belts,traction clutch,gears,etc.etc.as you know you ,having reliability is crucial with snowblowers,when you need it you really need it.
I think Gerry(the Dane) nailed it,Areins is a great snowblower, you’ll have a reliable machine for many years to come.

-- Ken from Ontario

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bowedcurly

479 posts in 363 days


#9 posted 202 days ago

the snowblower was yours you paid for it, you also pay insurance “in case of” so the money is yours to replace or do whatever

-- Staining killed the wood<<<<<>>>>>Dyeing gave it life

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PittsburghTim

213 posts in 957 days


#10 posted 202 days ago

PK,

I have a 2-stage Ariens and think it’s a fine machine. I’d pay a few extra bucks for the Subaru Robin engine though. After trouble with fuel systems on a few B&S engines, I made the switch. Five years now, zero maintenance needed. I treat the fuel with Stabil. At the end of the season, I just shut the fuel valve and let it run until it stalls. The next season, I add some fresh gas and go.

It seems to me as though the safe bet would be to get the cash and get a new model. At least then you should have many years of trouble-free use. If cash is tight, ask for some warranty on the used model being offered.

Good luck,

Tim

-- She asked me, "Who are you going to please with that?" I said, "Me."

View Greg..the Cajun  Box Sculptor's profile

Greg..the Cajun Box Sculptor

5020 posts in 1943 days


#11 posted 202 days ago

Your old machine was in his care and trust when you brought it to him and he should make you a satisfied customer..

I know nothing at all about snow blowers but if you want to accept the replacement unit he is offering you should ask that he provide a 100% parts and labor warranty for however number of years you think is fair.

This means no additional out of pocket expense for you and if it does need repair it is cheaper for him to fix it.

-- If retiring is having the time to be able to do what you enjoy then I have always been retired.

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Tedstor

1369 posts in 1267 days


#12 posted 202 days ago

I’d say “Thanks for the offer, but I’d rather have the cash”.
Besides, HE should be asking YOU what the appropriate remedy should be.

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HerbC

1162 posts in 1494 days


#13 posted 202 days ago

+1 to Greg’s advice.

Remember, you’re not the one who paid for the insurance and dealt with the insurance company and police.

He’s been “made whole” by the insurance company and now he’s trying to do right by you. Get a WRITTEN contract that spells out the circumstances, what he’s giving you physically, and what assurances he’s giving you that the unit will operate satisfactorily and reliably for a specified period of time.

Herb

-- Herb, Florida - Here's why I close most messages with "Be Careful!" http://lumberjocks.com/HerbC/blog/17090

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hobby1

282 posts in 932 days


#14 posted 202 days ago

The 10% deffered price reduction is his insurance claim to him, however as retribution to you, shouldn’t he owe you the full price of what you paid when you purchased it, showing him your receipt, then bargan with him according to your conscience, of what your willing to recieve from him.

View Tim's profile

Tim

1245 posts in 596 days


#15 posted 202 days ago

This is an interesting one. I don’t know exactly how theft claims and insurance work in Canada, but here is my best guess. You don’t have an insurance claim, the repair guy resolved that with his. You have a contractual/business relationship with the repair guy. He needs to be able to replace the machine that you brought in to him or give you what it was worth. You should get out of the deal whatever you think is fair, but not worth more than the machine you brought in. I wouldn’t take the check unless you were planning on upgrading to a new one anyway or if you can’t work anything else out. If he doesn’t have something else to offer as a trade, then Greg’s idea is great. This is a repair shop after all. They should have a pretty good idea how the machine will work and be able to back up the warranty. If they won’t consider the warranty, consider that a good sign you don’t want that machine.

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