Support my crusade!
The purpose
of an automobile insurance company
is supposed to be to redistribute risk.
Year in and year out,
you and other policyholders pay
automobile insurance premiums.
You pay those premiums so that,
if your automobile is totaled or stolen
or if you are liable for the total-loss
of another motorist’s vehicle;
then you will not have to absorb
an enormous financial loss
all at once.
Instead of you absorbing the risk
from your own financial assets,
your automobile insurance company
or the other driver’s
automobile insurance company
will pay for the loss
from the insurance premiums
that it has collected.
That is the beneficial concept
of any insurance company.
Insurance companies grew
out of mutual aid societies.
Citizens would band together to share risks
and help one another get through setbacks
without suffering ruinous financial loss.
Mutual aid societies
were owned by and run by their members.
In recent times, however,
things have changed.
Today, automobile insurance companies
are owned by their shareholders.
Greedy, unethical
automobile insurance companies
have re-engineered their companies.
Their purpose in society is no longer
to be a mechanism of mutual aid.
Their business purpose
is no longer to redistribute risk.
Today the business purpose
of automobile insurance companies
is to redistribute wealth—
to redistribute wealth from you
and from other policyholders
to the automobile insurance company’s
CEO, other executives, and shareholders.
The more money they can cheat you out of,
the more of your money
they can redistribute
to their CEO, to their other executives,
and to their shareholders.
If my experience with Travelers
and Maria’s experience
with her automobile insurance company
are typical
of how automobile insurance companies
treat total-loss claimants,
then automobile insurance companies
are trying to cheat
hundreds of thousands
of total-loss claimants
out of hundreds of millions of dollars
every year.
Does knowing
that automobile insurance companies
regularly cheat everyday Americans
out of thousands of dollars
on their total-loss claims
make you mad?
Makes me mad.
Even makes me a little crazy.
Makes me so mad
that my work to save you
and other Americans
from getting ripped off
by automobile insurance companies
has transubstantiated into a crusade.
Makes me crazy enough that,
to create this first version
of wasyourcartotaledorstolen.com,
I’ve gone through my life’s savings
and run up the balances on my credit cards.
In this first version
of wasyourcartotaledorstolen.com,
I sound the alarm
on automobile insurance companies
and valuation-services vendors
that routinely cheat total-loss claimants
out of fair valuations
of their total-loss vehicles.
I explain why they cheat you,
how they cheat you,
and what you can do about it.
I show you what Maria and I did
to get fair valuations
of our total-loss vehicles.
I tell you what I would do today.
I show you the letters that I would write
to the automobile insurance company.
I show you the emails that I would write.
I show you the supporting documents
that I would attach to the emails.
I show you how you can create
similar supporting documents
for your total-loss vehicle.
I explain how, you can use
our government-subsidized court system
to sue the automobile insurance company
that you’re dealing with.
I suggest that,
with the guidance of a legal coach,
you can easily represent yourself
in a small-claims lawsuit.
I suggest that,
with the guidance of a legal coach
and with help preparing a legal brief,
you can represent yourself
in a large-claims lawsuit
I want you to be able to do
what Maria and I did
to get fair valuations
of our total-loss vehicles.
I hope that this first version
of wasyourcartotaledorstolen.com
helps you catch on to what
the automobile insurance company
that you’re dealing with is up to.
I hope that this first version
of wasyourcartotaledorstolen.com
helps you
get a fair valuation
of your total-loss vehicle.
But I don’t want to stop here.
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Help me teach you
and other total-loss claimants
what I would do
state by state
to get a fair valuation
of my total-loss vehicle
in every state in the USA
plus in the District of Columbia.
I have begun work
on an expanded, state-by-state version
of wasyourcartotaledorstolen.com.
In the expanded version,
I plan to copy and paste
to wasyourcartotaledorstolen.com
the most relevant laws
that every state’s legislators
have passed to govern
how automobile insurance companies
that do business in that state
are required to value total-loss vehicles
and settle total-loss claims.
I intend to do what I can
to make those laws
easy to understand.
I plan to teach you state by state
what I would do today
to get a fair valuation
of my total-loss vehicle in your state.
In model letters for every state,
I intend to show you
which parts of your state’s laws
I would insert into my letters
to the automobile insurance company.
If you have a right of recourse,
I intend to show you how I would exercise
a right of recourse in your state.
I plan to tell you what your state’s
statute of limitations for negligence tort is.
I plan to tell you what your state’s
statute of limitations for breach of contract is.
I have invited attorneys in your county
who would like to be your legal coach
to advertise their services
on wasyourcartotaledorstolen.com
in a county-by-county listing
for your state.
I intend to do whatever else I can think of
to help total-loss claimants
get fair valuations of their total-loss vehicles.
To keep working
on wasyourcartotaledorstolen.com,
I need Americans
who are fed up with getting ripped off
by automobile insurance companies
to support my crusade.
I need Americans who believe in justice
to support my crusade.
If you would like to help me
continue my work
and continue my crusade,
send me a few dollars.
No amount is too little.
No amount is too much.
Any amount will tell me
that you want me
to carry on my crusade.
The Supreme Court has ruled
that money is speech.
Speak up!
Make yourself heard!
To send me a few dollars,
at the top right of your screen,
click this image:
With your help, I’m just getting started!
Thank you, my friend!
Jerry Marlow
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Nota bene
Jerry Marlow is not an attorney. Neither information nor opinions published on this site constitute legal advice. This site is not a lawyer referral service. No attorney‑client or confidential relationship is or will be formed by use of this site. Any attorney listings on this site are paid attorney advertising. In some states, the information on this website may be considered a lawyer referral service.
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If you wish to use any of the copyrighted material published on wasyourcartotaledorstolen.com in any way for which permission is not explicitly granted, contact Jerry Marlow at jerrymarlow@jerrymarlow.com.