Diminished Value Against the Home or Vehicles Insurance Companies

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I had a case a few years back and a man’s three vehicle were burned caused by the neighbor’s house fire and the repairs were several thousand dollars to fix.

The Insurance told him he was not entitled to get paid for his Diminished Value and he should just go fix his cars or junk them they did not care about his loss.

His attorney had a different story, he was entitled to get Diminished value for his loss.

His attorney contacted me and ask me to inspect each vehicle and find the Diminished Value and I agreed.

I went to the home of this customer and did an inspection on each vehicle and all were repairable with some needing new glass and paint and rubber seal that had been damage by the fire.

I turned in all there reports with my finding and loss of value to the attorney who called me, he also ask me to be the expert witness for the loss of value in a court of law and I agreed.

On the day of trial when on the witness stand I was asked to explain each vehicle loss and what the loss of value was to the Jury. The total loss was several thousand dollars for the three vehicle. The Jury awarded loss of value on all three vehicle with all 12 jurors agreeing he was entitled to that loss of value, he won based on my three reports hand down.

The Diminished Value will apply to all vehicle damages by another person insurance no matter if it was caused by a house fire as these there were or in a car accident not your fault.

The California law 3903J under Jurors Instruction passed in 2016 make this apply to all loss of value claims no matter how the loss happened. The laws in other stated provided  show Diminished Value is recoverable and is in almost all stated in America.

As a certified appraiser and writer of Diminished Value report for over 14 years. I know the laws and know how to write the report for that loss and can back up all report I have written with a solid foundation showing proof.

If you have a loss of value caused by another person fault you are entitled to get that loss of value no matter how small it is.

If you were in an accident not your fault you are entitled to get that loss after the vehicle has been repaired because no person or shop can repair a vehicle back to factory condition, in many inspection I have always found damaged parts I could photograph and or feel when driving. So go after that loss and remember we pay for Insurance to protect us and pay any loss to the other party when in an accident.

Pass this story on and tell a friend.

Thank you,

Jackie Winters

Lemon Protection

lemonprotection@yahpoo.com

Lemon Law case WON for Honda Brake Concerns

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I had a Lemon Law case for brake concerns a few years back for a Honda Odyssey not stopping as soon as they should and locking up at other times.  I got a call from the customer who had been referred to me by their Lemon Law Attorney here in Los Angeles.

I set a time to inspect the vehicle for the customer and drove out to Redlands, California on a Saturday morning. The weather was clear and the roads were dry. I photoed the Honda Odyssey Van and did a walk around checking for damages as I always do and the van was very well maintained. I checked all fluid levels and inspected under the van for leaks at each wheel and then the ABS Anti-lock Brake System the Hydraulic Control unit and the Brake Master Cylinder. I photo the Van under side and brake parts, the VIM number and odometer before and after the road test, this is normal operation when inspecting a vehicle.

I did observe moisture at the Hydraulic Control Unit which made me to be extra cautious and photographed that moisture at the Hydraulic Control Unit and would be extra cautious during my road test. This brakes system is what the main concerns were when the customer complained about to the dealership for not stopping as it should and locking up the wheels at times.

I road tested the vehicle several miles as I do all vehicles and found the brakes at times in the rear would lock up as well as observed brake fading when holding the brakes down to stop, this is not normal operation. I finished the inspection and advised the customer to return to the dealership and show them the moisture at the Hydraulic Control Unit so she would be able to show the dealership Technician.

I returned to my office an did my research on ALLDATA for Technical Service Bulletins to see if Honda had published any Bulletin for the Technician could apply that to the problems on the vehicle.  There were no recalls but there was one Technician Service Bulletin on the brakes for brake leaking at the Hydraulic Control Unit and I was stunned to see what the repair was on this Odyssey Van. The Technician Service Bulletin actually had the Technician apply sealer to the leak at the Hydraulic Control Unit, my thought was this cannot be right because sealer will not hold on a Hydraulic control Leak.

I did my report and used that Technical Service Bulletin to show Honda knew about a brake problem with this New Honda Odyssey but the repair was not what I expected because sealer will not hold pressure or stop a leak in the brake system.

Several months later I was subpoenaed to be on the witness stand to show the Jury my finding as well as Video and Photo’s I had made during my inspection and explained how this brake system works and why sealer was not a good repair for it, it was unsafe and should not have been repaired under this Technician Service Bulletin. After my testimony the Technician for Honda disputed what I said and said the sealer was a good repair for this part. The Jury disagreed with his stamen and took the evidence I had and we won the case all the way across. The customer got a full buyback from Honda and the attorney’s fees and expert witness fees were paid.

The fact is brakes are a safety issue when not working properly which will include brake squealing noise when stopping, grabbing, groaning noise, pulling to one side, fading, vibrating when stopping, not slowing down or pulsating when stopping.

You can win in a lemon law case as long as you have it together, this customer had good records showing she had complained several times for her complaints and the fact is the factory will not make repairs unless it is a proven defect and repair attempts were made several times.  When a repair is made under the Factory Defect Warranty it is because it was verified and repair attempts were made. The Lemon Law applies to New and Used or Certified Pre-Owned vehicles.

Thank you and please pass it on if you like,

Jackie Winters

Lemon Protection@yahoo.com

800-700-0109

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Motorhome Inspection New and Used

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I have inspected Motor-homes and 5th Wheels over the last several years and was amazed on what I have found wrong with new and used Motor-homes. Everything from broken parts to lose parts too parts not secured in place, bolts coming out screws stripped out and loose, water leaking at the tanks, water shooting out of the toilet when flushed as high as three feet, gas leaking and parts not connected just to mention a few things.

After years of inspecting Motor-homes and 5th Wheels I thought it was time to let people know about what to look for when making a purchase of a new or used Motor-home.

You would not expect to find things wrong with a brand new Motor-home but the truth is the people working on these are not all trained certified mechanics, some are trained mechanics that find a job with these companies and then start doing what they are told to do. I am sure over time the men or women get better at what they do and in fact make better homes for the customer but still some things are left undone or improperly done because of the time to get them out the door.

I have written a new book on Motor-home Inspection and it covers the home from front to rear inside and out on things you can see and test before purchasing.

Some of my customers have stacks of document of complaints on their Motor-home and the major headaches they have in attempting to get them fixed. I do Lemon Law Inspection on them.

One of my customers had a near accident but a Truck driver behind saw what was happening and he blocked the two lanes next to her to give her time to pull over safely and that allowed her to get out and tie up some of the doors that had just fallen open. The doors fell open during travel because of bent or improperly mounted holding locks.

I have one customer coming out of Arizona and he had just purchased a Brand New Motor-home and less than 100 miles he observed his siding was peeling off, he pulled over and picked up the siding and went to a hardware store and purchased a box of screws and re-secured the siding. He drove to a dealership and they said you did a better job than we did and we can’t make the siding any better for you, you are OK to go. He left a little dazed at what he was told.

I have seen molding falling apart or broken during assembly when the parts should have been replaced but was not. This book I have written will save you a lot of headache and down time if you just take the time to do what I am telling you to do before you sign the contract, a lot of things you may find you can order them to be properly fixed before you take possession. If you take possession and then find things wrong you better be ready for a long hall on the process of getting things fixed that is if you can find an authorized dealership to do the work. I have seen some homes in the shop for as much as three months for a simple repairs because of parts on back order or the shop is just busy  to get to the work needed.

Tell a friend and if you want a copy of my book send me a $20.00 money order or check and I will send you a copy by Priority mail 3 to 5 day delivery.

Keep in mind those Motor-homes are protected under the Lemon Laws on New and CPO vehicles and 5th Wheels.

Thank you and tell a friend.

Jackie Winters

lemonprotection@yahoo.com

How To Inspect A Used Car

      If you follow this step by step simple instruction you will have a better chance of getting a good used vehicle. Beware, some people will purchase vehicle from auto auction and repair it and some of the vehicles have not been reported as having accident damage. When you see the vehicle you want, look it over and take notes. The notes you took will remind you of the entire thing you will need to seek information about before you pay the cash. Also beware of buying from E-Bay, I once sold a car on E-Bay and the buyer sent me a certified Bank of America check but the amount was $2,000 more than I wanted. I called the buyer and he said I am sorry I sent you over payment and if you don’t mind just cash the check and send the difference back to me. I felt suspicious and went to B of A and they told me the check was forged and not real. I called the person back and he really got mad, I told him I will turn the check over to the FBI. I just saved myself $2,000, so be very careful, if you do accept a check from anyone you must insist they wait at least 30 days for the check to clear and be cleared. One story I heard was a person waited two weeks and then sent back the over payment and then one week later was told the postal money order he cashed was forged, so be very careful.

1) Do a CarFax and/or a CarCheck to look for unseen accident damage.

2) Inspect the vehicle or have it inspected by a certified mechanic with a written report.

3) Look at the vehicle for oil, water and any fluid leaks and write the area down.

4) Check all lights for operation as well as all electrical working parts, including the seats and cigarette lighter.

5) Check for broken parts and worn rubber parts.

6) Feel of the hoses for soft spots and look for cracks or damage.

7) Look at the body parts where they meet for proper alignment, the parts lines must be equal on all places like the left and right fender should align with the hood front to back and be at the same height.

8) Look at the tires for uneven wear, edge wear, feathering and knots is a suspension and alignment issue, be sure to look at the front and rear because sometimes a person will put the rear on the front to make it look better and to hide a problem..

9) Look at the radiator for rust, the coolant should be green on older cars and red on newer cars, rust is a sign of poor maintenance and will likely show up as a leak later after you drive for awhile.

10) Check the engine oil it should be clean and dark black is a sign of lack of poor maintenance, also look under the oil fill cap before and after you road tested the vehicle, look for a milk color a sign of an internal coolant leak (very costly repair).

11) Check the transmission fluid for smell, it smells burned then it likely has a transmission slippage problem, the fluid should be bright red, look for leaks as well.

12) Check the power steering it should be at the full line.

13) Check the brake fluid and see if it is low, low fluid may indicate worn brake pads or a leak, if it is low look at the inside wheel at the brake caliper for brake pad wear, if the pads are good look at the rear of the brake booster for paint peeling, a sign of a leaking brake master cylinder, another place to look is at the inside floor area for wetness of brake fluids another sign of a leaking brake master cylinder.

14) Step on the brake pedal and see if it sinks to the floor, if it does under a firm pressure then a brake master cylinder is likely the cause (a safety issue).

15) If all check out so far then move on to start the engine and then watch and listen.

16) You be best to have another person with you when you start the engine, have him stand behind the car/truck and when you start it look for smoke, blue is oil burning even if only for a second, black smoke is too much gas another smog related concern and white if goes away in a few minutes is water and is OK but a long and steady white smoke is internal leakage of coolant.

17) Listen to the engine for a knocking sound, if it goes away and then stops knocking there is worn bearings and a possible repair will be needed sooner than later, a steady knock can be lifters, tappets and or rod or main bearing knocks a certified pro can tell you what it is.

18) If at all possible have a shop run a scan for trouble codes that may have been erased and write down all the code numbers (the internet will tell you what they mean).

19) Watch for engine light, an engine light is a warning something is wrong, an ABS is a warning the brakes have a problem and the SRS warning is a sign the air bags have a problem be watchful when you drive and when you start the engine. All warning lights will come on when you start the engine for up to 6 seconds and then go off if all is well.

18) Pay attention on how smooth the engine runs both in P and D/R gears, a rough running engine that jerks or stalls is not good and an engine warning light will likely be on.

19) Be aware of how the transmission engages when you put it into gear on automatics, the transmission should engage with a soft feel and when it shifts it should be soft as well (not jerk hard), when you drive the transmission should not vibrate when moving from a stop or up-shifting or downshifting (a concern to worry about), if the transmission shifts smooth and no vibration or jerking is felt then it is likely OK.

20) For a stick shift transmission, the transmission should go into gears without a grind (a grind is a gear concern and expensive repair). When pulling away from a stop it should be smooth and not jerk or chatter, both are a sign of a worn or defective clutch (a costly repair), there should not be any noise when driving as well.

21) Stopping is important, listen for squeaking, grinding and vibration when stopping are all signs of brake problems (have a pro check it for you to be safe).

22) CAUTION: THIS IS A TEST FOR PROFESSIONAL ONLY, because a person may get run over or you may have an accident if you try this test. Steering is also a concern if your Technician finds a problems, he should check for wobble and or vibration at high speed 40mph plus, he should check for alignment pull or drift to one side, he would check the alignment for drift or pull, he will need to go to speeds of 25mph on a flat road and be sure there is plenty of room, he should hold his hands a few inches away from the wheel and let go, he should count to 1thousand1, 1thousand2, 1thousand3, 1thousand4, 1thousand5 and 1thousand6 if the vehicle drifts to one side or the other before that time limit then an alignment issue is likely there and he will know that, he should also inspect the tires before the road test for proper pressure (see door panel for proper pressure) as well as for uneven spots like tire separation.

23) Listen for clunking noise when turning and braking, a sign of suspension and or brake concerns and will cause alignment issues.

If you are going to purchase a new vehicle then I would suggest you get the book “Lemon Protection Identifying A Lemon” on Amazon.com, it is a very helpful book and small in size but filled with information. I will also publish the book “Lemon Protection How to Inspect a Used Vehicle” and “Lemon Protection Communicating With Your Mechanic” in the next few weeks and it will also be on Amazon.com. Thank you for your time and God bless you, please refer or tell a friend if you like this write up.

EXTENDED WARRANTY CONTRACTS…BEWARE

I want to let all you people who buy new and used car or trucks beware of the warranty you pay for. I just read a warranty I thought was not being sole again because of how crooked it is but low and behold people are still getting Ripped Off. This warranty covers the engine, transmission, steering, suspension and brakes as well as the electrical system, sound good. The catch is it only covers thing that don’t usually break. This person who paid $1,850.00 with a $50.00 deduction had an engine oil leak and it cost her $797.00 to fix it, with a 50.00 deduction.

Later she had a thermostat stick a $20.00 part and a $50.00 deduction but it was covered under warranty. A small hose was broken and the manager told her we will cover this as a goodwill gustier, she still paid the $50.00 deduction, so what a $20.00 part and a few minutes of time. By the way a Goodwill repair is not goodwill because they still get paid, it is not a free repair, and someone pays. The repair in total was only $45.00 anyway.

Please do not buy any warranty from any dealership or car lot unless the warranty says it will cover the things I listed above and the SEAL AND GASKETS. When a seal or gasket breaks it can cause internal wear and if that is the case your warranty is no good anyway if the engine has internal wear and it likely will. You will be told well you should have fixed the leak, sorry but it was your fault and we cannot cover it under warranty. This is a real crooked warranty system that is being sold and I pray before you buy be sure to tell the seller to show you the part that states SEALS AND GASKETES are covered or get up and walk away. His word is no good; some of you may have already found that out the hard way. If a salesman attempt to sell you a warranty ask him/her if it covers everything and if it don’t do yourself a favor and just don’t but the vehicle from that dealership or car lot. Think, if they lie to you when you are trying to buy a good vehicle then they will most likely lie to you in the shop when repair are needed.

This poor lady now had a repair that she was told when she purchased the warranty everything will be covered and she had a $70,000.00 plus car. The sales men are not your friends they do not care about you all they want is your money and then it is “Don’t bother me with your car repairs go to the service department”.

I called a service department at a local dealership and spoke with a finance manager and ask about the warranty as if I were going to buy it, he told me everything is covered. I gave him the name of the warranty and he said yes everything is covered with a $50.00 deduction. My only regret is I cannot publish the name of the warranty or the dealerships that do this but I can and will tell you if the warranty don’t state in writing it covers SEALS AND GASKETS then you are getting ripped off if you buy it.
Please BEWARE OF THE WARRANTYS SOLD BY CAR LOTS AND DEALERSHIPS they in most part are rip offs that don’t cover the thing that cause problems most often. Any question please comment and I will get back to you, God bless and be careful. Lemonprotection.com