100.00

On November 4, 2024, Stacey Fisk was involved in a low-speed rear-end collision when her vehicle struck a Chevy pickup truck that had stalled without brake lights at a green light. The other driver exited his vehicle, apologized, and both parties exchanged information without involving law enforcement. Stacey’s 2009 Saturn Sky Roadster suffered cosmetic damage, which she promptly reported to Farmers Insurance, who then deposited $3,689 to cover repairs. She took the vehicle to Crossroads Collision in Big Spring, TX for an estimate and left it there. The following day, Stacey was contacted by an insurance adjuster named Nick Cain, who informed her that the vehicle had been deemed a total loss and insisted she release possession of the vehicle so he could take photos and proceed with the claim. Under the impression that cooperation would expedite the repair process, Stacey agreed. Without ever receiving the repair estimate, she was told her vehicle had been salvaged and would require a $3,800 payment to recover it. She disputes the valuation, asserting that the repair cost was $4,689 and the car’s market value was $7,895, leaving a difference of only $1,000, which she was never allowed to pay out-of-pocket. Despite her objections and emotional distress—including nearly losing her job due to transportation issues—her vehicle was later returned unannounced and in pieces, after she had already secured a different vehicle. Stacey states that she still owes $12,000 on the Saturn Sky, and that her insurance company has failed to pay the $6,000 settlement promised to her lender. She believes the adjuster may have had a personal interest in her vehicle and acted in bad faith by depriving her of the opportunity to repair it, ultimately causing severe financial harm and emotional distress. This case may involve insurance fraud, bad faith practices, and potential misappropriation of property.