http://www.mindbites.com/lesson/2605-beat-your-insurance-co-get-thousands-more
I am extremely concerned about the way my insurer USAA and their hired gun CCC Valuescope compute, calculate, and arrive at what they deem “actual cash value” for vehicles in the event of a total loss.
Most importantly, the manner by which USAA computes, calculates, and arrives at the “actual cash value” seems very deceptive, misleading, and fraudulent when one looks carefully at the CCC Valuescope Report upon which they base their valuations and calculations.
To be specific, note below the problematic histories of VIN numbers of vehicles on my CCC Valuescope report (39813905) provided to me by my insurer USAA. These of course are the vehicles CCC Valuescope and USAA used as comparable vehicles to my 1997 Honda Accord, Special Edition.
It is also worth noting that my 1997 Honda Accord SE never left the State of Florida, whereas these “comparable” vehicles submitted by USAA and CCC Valuescope have been out of Florida and across the country. My car has never been auctioned, nor has it had liens, neither required emission and safety inspections, nor been in accidents as reported in these subject vehicles. Therefore my insurer should not use these subject cars below as they are not a fair and honest value comparison to my own vehicle.
I urge every insured motorist to assess treble damages for this blatant attempt on the part of insurance companies to deceive we the insured fiduciaries and devalue our vehicles before paying out monies rightfully due us the insured.
1997 Honda Accord LX – 1HGCD563XVA120309
– Liens 4/10/1997, 7/25/2000, 11/1/2006
– Emission Inspections 7/23/1997, 6/24/1998, 7/21/1999
– Left Side Impact with another Vehicle 4/18/2000
– Rebuilt 7/25/2000, 12/01/2000, 1/6/2003, 4/6/2004, 1/25/2005, 12/23/2005, 11/1/2006, 8/17/2007
– Auction 4/7/2006
1998 Honda Accord LX – 1HGCG2244WA011995
– Liens 5/28/2002, 11/15/2002, 4/12/2005, 6/24/2008
– Accident 5/5/2005
– Duplicate Titles 11/15/2002, 4/7/2008
– Corrected Title 5/28/2002
– Auction 4/16/2002, 4/18/2008
– Theft Deterrent Equipped 7/29/2000, 3/23/2001
– Massachusetts and Florida owners
1997 Honda Accord LX – 1HGCD5633VA060776
– Liens 3/21/2000, 7/23/2002, 7/23/2002 DUPLICATE TITLE, 8/11/2005
– Auto Auction 12/28/1999, 1/12/2000
– Auto Auction / FLEET 12/10/1996
– Leased Vehicle 7/24/1997, 8/17/1998
– Front Impact Collision 9/4/2004
1998 Honda Accord LX – 1HGCG5642WA216534
– Leased 8/6/1998, 8/11/1998, 7/28/1999
– Auto Auction 1/17/2002 (FLEET / LEASE), 7/27/2006, 7/28/2006, 9/8/2006, 9/29/2006
– Liens 2/7/2002, 3/28/2008
1998 Honda Accord, LX – VIN 1HGCG5645WA252007
– Leased 9/10/1998, 7/22/1999
– Auto Auction 5/7/2001, 5/9/2001, 7/17/2001, 8/6/2001, 8/10/2001, 8/28/2001
1997 Honda Accord Special Edition – VIN 1HGCD5606VA113282
– Leased 2/24/1997
– Failed Safety Inspection 8/15/2001
– Liens 2/11/2000, 4/13/1999
– Ohio, Tennessee, New York, and Florida owners
1998 Honda Accord LX – 1HGCG5643WA252409
– Leased 9/18/1998, 9/22/1998, 11/23/1999
– Liens 9/18/1998, 9/22/1998, 11/20/2002, 12/5/2002
– Not Good Chain of Title, Poor Car History
1997 Honda Accord LX – 1HGCD5631VA052028
– Accident 12/11/2006
– Lien 1/2/1997
1998 Honda Accord LX – 1HGCG3249WA000044
– Leased 7/24/1998, 7/28/1998
– Lien 5/9/2003
– Auto Auction 6/20/2006, 6/21/2006
1997 Honda Accord LX – 1HGCD5634VA083693
– Leased 3/23/1997, 12/3/1997, 1/27/1998, 1/29/1998, 9/8/1998
– Auto Auction 3/30/2000. 4/3/2000, 5/4/2000, 6/8/2000
– Liens 3/23/1997, 12/3/1997, 7/6/2000
– Emission Inspections 12/11/1997, 6/9/2000
– California and Florida owners
1997 Honda Accord LX – 1HGCD7239VA012071
– Liens 11/10/1997, 11/13/1997
– Emission Inspection 7/1/1998, 7/8/1999
– Duplicate Title 4/3/2008
1997 Honda Accord LX – 1HGCD5632VA124418
– Liens 4/30/1999, 1/17/2002, 8/4/2003
1998 Honda Accord LX – 1HGCG5644WA225137
– Leased 8/21/1998, 8/25/1998
– Liens 8/25/1998, 11/27/2000, 6/29/2006
– Auto Auction 6/25/2008, 8/01/2008
1998 Honda Accord – 1HGCG5645WA258566
– Liens 9/15/1998, 1/10/2006
1998 Honda Accord LX – 1HGCG554WA057792
– Liens 1/09/1998, 6/3/2002 CORRECTED TITLE, 6/12/2002 CORRECTED TITLE, 8/8/2003
– Arizona, Indiana, Pennsylvania, and Florida owners
1997 Honda Accord LX – 1HGCD5636VA050128
– Liens 1/19/1999
– Many Owners, Numerous Change of Hands
1997 Honda Accord LX – 1HGCD5636VA249387
– Lien 10/08/1997
– Front Impact Collision 3/12/1999
– Emission Test 8/27/1999, 9/13/2001
– Georgia and Florida owners
1997 Honda Accord LX – JHMCD5630VC008863
– Liens 8/27/1997, 3/1/2001
– Auto Auction 6/18/2008
– Pennsylvania and Florida owners
1997 Honda Accord SE – 1HGCD7203VA029681
– Liens 6/9/1999, 1/27/2003, 5/22/2008
– Leased 6/13/1997
– Auto Auctions 9/16/2002, 10/21/2002
– Auto Auction / FLEET 10/22/2002
– New Jersey and Florida owners
1998 Honda Accord LX / LXA – 1HGCG5647WA123704
– Lien 4/26/2005
1998 Honda Accord LX / LXA – 1HGCG5642WA087405
– Lien 1/27/1998
– Auto Auction 6/5/2008
1998 Honda Accord LX – 1HGCG3245WA011459
– Liens 7/13/1998, 10/1/1998, 10/28/1999
– Auto Auction 4/22/2002, 11/26/2007
– Emission Inspections 5/5/1999, 10/8/1999, 3/24/2000
1997 Honda Accord LX – 1HGCD5539VA103132
– Leased 2/21/1997, 2/09/1999
– Liens 8/10/1999, 8/5/2003, 9/12/2005
– Auto Auctions 4/28/1999, 5/15/2008, 5/16/2008
– Pennsylvania, New York, and Florida owners
1998 Honda Accord LX / LXA – 1HGCG5646WA222921
– Liens 7/30/1998, 7/18/2008
– Auto Auctions 4/22/2008, 4/23/2008
–
1997 Honda Accord LX – 1HGCD723XVA016064
– Title #:AQ0019351 Seekonk, MA
– Title #:0090214360 St. Petersburg and Tampa, FL
– Title Issues 4/4/1997, 5/13/1999, 5/1/2001, 4/18/2003, 3/31/2004, 5/13/2008, 7/8/2008
Duplicate Title
– Rhode Island, Massachusetts, and Florida owners
1997 Honda Accord SE – 1HGCD5607VA104378
– Leased 7/23/1997, 2/11/1998, 4/29/1999, 5/3/1999
– Liens 7/23/1997, 5/3/1999, 2/19/2004, 5/19/2005
– Auto Auctions 6/4/2001, 6/5/2001, 2/8/2005
– Duplicate Title 1/28/2005
– Maryland and Florida owners
1997 Honda Accord LX – 1HGCE1825VA006521
– Liens 12/24/1997, 8/14/2000, 5/30/2008
– Emission Inspection 5/19/2000
1998 Honda Accord LX / LXA – 1HGCG5646WA118820
– Leased 3/18/1998, 3/20/1998, 11/25/1998, 12/14/1999
– Liens 3/20/1998, 1/30/2002, 3/22/2002
1997 Honda Accord LX – 1HGCE1828VA005041
– Emission Inspections 3/2/1999, 3/3/1998, 2/25/2000
– Green Car noted 3/31/2008 – perhaps color change during repairs
– Duplicate Title 4/11/2008
– Auto Auction 4/10/2008
1997 Honda Accord SE – 1HGCD5604VA237860
– Leased 9/03/1997, 5/14/1998, 6/16/1999, 6/1/2000
– FLEET 9/03/2007
– Accident 6/2/2008
– Liens 9/3/1997, 8/29/2000, 6/2/2008
1998 Honda Accord LX / LXA – 1HGCG5647WA042945
– Leased 12/2/1997, 12/4/1997, 10/15/1998, 10/19/1998
– Accident 5/10/2008
– Auto Auction 8/20/1998
– Emission Inspection 3/24/2000
1997 Honda Accord LX – 1HGCD5633VA242431
– Lien 5/9/2002
– Theft Deterrent Equipped 9/5/1998
– New York and Florida owners
1997 Honda Accord LX – 1HGCD5630VA215140
– Liens 9/24/1997, 9/26/1997, 8/17/2001, 6/13/2008
– Front Impact Collision with another Vehicle 5/28/2002
– Emission Inspection 3/30/2000
1998 Honda Accord LX / LXA – 1HGCG5647WA228436
– Liens 9/16/1998, 5/21/2008
– Duplicate Title 5/7/2008
I am deeply concerned and disappointed in my insurance company’s failure to uphold their moral and legal obligations contractual requiring the utmost duty of care to me the fiduciary.
www.PaulFDavis.com – consumer advocate, author, and worldwide motivational speaker
