Posted: 10/18/2011 4:17:56 PM EDT
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Anyone have dealing with these people? I got hit by one of their insured drivers, but cannot for the life of me get a claim going through them. I have been told for the last two days that the "supervisor" would contact me, but its never happened. When I do get in contact with one of them they put me on hold or just hang up on me. I would like to say that the person who hit me was doing their part but they are not. Hell I even had my insurance company try to get ahold of them and they blow them off too. What is my course of action here? Its not bad damage but it is damage non the less to my less than a year old truck. The damage is less than what would my deductable would be..I just hate having to fix it myself since I did not cause the accident. Its annoying the hell out of me. This took place in Austin btw. Anyways any help or advice would be appreciated.
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Get a lawyer, or send a certified letter requesting a response and signature. Other than that, keep calling every day, multiple times a day until you get what you need. This is why I hate insurance companies, the State expects you to get insurance, but then when something happens, the insurance company does not do their part in a timely manner. If we are required by law to have insurance, the insurance co should be required by law to pay out on damages within 1 week of the accident. If they cant manage that, they should lower their rates, or do what is necessary to meet the dead line. As in, get their damn estimators out to the shops on day one.
Its all about getting your vehicle totaled. Sometimes, companies will take forever just to cause you to get a rental car for a longer period of time. That way, the entire bill will be greater than the cost of your vehicle and will total it out, paying out less than they would be paying for the damages and rentals and everything else. Its all a bunch of bureaucratic bullshit. Nothing more. Just jump through the hoops to get your money. Persistence pays off more than ever when dealing with insurance. |
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Where is your insurance company in all this? They should take over for you, be willing to take a claim report from you and communicate with the other company. Your insurance company is responsible to deal with the other driver's company. I believe the term is "subrogation". (May not have spelled it right). You pay YOUR insurance company to represent you in ALL insurance claims.
PS - if the other driver was at fault, then you will not be "out-of-pocket" your deductible. |
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Quoted:
Where is your insurance company in all this? They should take over for you, be willing to take a claim report from you and communicate with the other company. Your insurance company is responsible to deal with the other driver's company. I believe the term is "subrogation". (May not have spelled it right). You pay YOUR insurance company to represent you in ALL insurance claims. PS - if the other driver was at fault, then you will not be "out-of-pocket" your deductible. This. Go through your own insurance company. You save nothing in the end by trying to do it yourself. Your company can't penalize you for a not at fault accident. |
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[span style='font-weight: bold;']PS - if the other driver was at fault, then you will not be "out-of-pocket" your deductible.
Yes you will be out of pocket on your deductable until the other company pays the claim. Then you have a really crappy policy or are working with a really bad bodyshop Work with a bodyshop that will work directly with your insurance company. We've been with Allstate for years. Had 4 accidents involving various drivers on the policy. Three of the four were rear-enders while stopped in traffic. NEVER had out-of-pocket costs. I suppose other carriers could be different or claims are under your uninsured driver rider, but my experience is that you DON'T front your deductible if you are not at fault! PS - this is the ONLY type of rear-ender I've had 
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Quoted:
PS - if the other driver was at fault, then you will not be "out-of-pocket" your deductible.
Yes you will be out of pocket on your deductable until the other company pays the claim. RCK1999 is exactly right. If your insurance company makes you pay your deductible for a claim in which you are not "at-fault," then you need to seriously consider getting another insurance company. I take my vehicles where I want to have them fixed, and the insurance rep shows up there to work it out with the body shop. Whether it's my company or the other driver's that shows up, I don't have to pay anything if it's the other driver's fault. If there's any problem with the other company, I contact my company and they handle it from there. |