Insurance claim woes....

[CurtCold]

O.K. I tried being a nice guy, and this is usually what it gets me.

In October 02, this guy was pulling a Jeep with his truck, the axle on the CJ7 came apart, causing the tire, and half axle to hit my truck. The guy wanted to just pay for the damage out of his pocket, which was fine with me, I called the City Police, got an incident report, with his name and number and went about my way.

Well it's now Jan, I can't get ahold of him, he hasn't contacted me and now his home phone # is dissconnected. I called Monday, and turned in an uninsured motorist claim, cause I'm tired of screwing around with him. Well now the insurance co gets an adjuster out here today, and I already have 3 estimates from places in town, but this is the kicker.

1) IF insurance co can contact him and verify that "the guy" has insurance, then I'll have to pay a collission deductable. $240
2) IF insurance co can contact him and he doesn't have insurance, then I'm out a $200 deductable.
3) IF insurance cannot contact him, then I don't have any deductable.

That sounds like crap to me, why the hell should I have to pay a deductable at all? I have the police report, and the accident was not my fault. This sounds like pure bullshiznit to me.

Btw I'm pissed off, and just needed to let off some steam.

 

[Oakenfold]

I don't understand, if he has insurance just work with his insurance company, you shouldn't have to file a claim under your policy.

 

[Darein]

Some people can be real jerks to save a little money.

 

[CurtCold]

I can't contact him, his # has been disconnected, and Information doens't have a # for him either.

He never returned any of my calls prior to his # being disconnected

 

[iamwiz82]

he didnt give you any other info other than his name? You didnt get a plate number, License #, address, etc?

 

[jemcam]

Originally posted by: CurtCold
O.K. I tried being a nice guy, and this is usually what it gets me.

In October 02, this guy was pulling a Jeep with his truck, the axle on the CJ7 came apart, causing the tire, and half axle to hit my truck. The guy wanted to just pay for the damage out of his pocket, which was fine with me, I called the City Police, got an incident report, with his name and number and went about my way.

Well it's now Jan, I can't get ahold of him, he hasn't contacted me and now his home phone # is dissconnected. I called Monday, and turned in an uninsured motorist claim, cause I'm tired of screwing around with him. Well now the insurance co gets an adjuster out here today, and I already have 3 estimates from places in town, but this is the kicker.

1) IF insurance co can contact him and verify that "the guy" has insurance, then I'll have to pay a collission deductable. $240
2) IF insurance co can contact him and he doesn't have insurance, then I'm out a $200 deductable.
3) IF insurance cannot contact him, then I don't have any deductable.

That sounds like crap to me, why the hell should I have to pay a deductable at all? I have the police report, and the accident was not my fault. This sounds like pure bullshiznit to me.

Btw I'm pissed off, and just needed to let off some steam.

What's the company?

If you're making a claim under your collision coverage, your policy states you have a deductible of "x" amount. end of statement. It doesn't matter who's fault it is. The only way you're not going to pay any deductible is if you make a claim under his liability coverage. Once they pay, they will try to subrogate and get their money back from him. If they do, you'll get your deductible back as well. I think some states say that they get their money first, then you get yours. Others are different, as soon as they recover anything, they must refund your deductible.

 

[CurtCold]

Originally posted by: iamwiz82
he didnt give you any other info other than his name? You didnt get a plate number, License #, address, etc?

No I have his address, license#, and plates, it's all on the police report. He apparently doesn't live their anymore, as I have been to his "supposed place of residence."

I don't feel that I should have to track his butt down, I've already tried, and that's what I pay for uninsured motorist for.

 

[CurtCold]

Originally posted by: jemcam

Originally posted by: CurtCold
O.K. I tried being a nice guy, and this is usually what it gets me.

In October 02, this guy was pulling a Jeep with his truck, the axle on the CJ7 came apart, causing the tire, and half axle to hit my truck. The guy wanted to just pay for the damage out of his pocket, which was fine with me, I called the City Police, got an incident report, with his name and number and went about my way.

Well it's now Jan, I can't get ahold of him, he hasn't contacted me and now his home phone # is dissconnected. I called Monday, and turned in an uninsured motorist claim, cause I'm tired of screwing around with him. Well now the insurance co gets an adjuster out here today, and I already have 3 estimates from places in town, but this is the kicker.

1) IF insurance co can contact him and verify that "the guy" has insurance, then I'll have to pay a collission deductable. $240
2) IF insurance co can contact him and he doesn't have insurance, then I'm out a $200 deductable.
3) IF insurance cannot contact him, then I don't have any deductable.

That sounds like crap to me, why the hell should I have to pay a deductable at all? I have the police report, and the accident was not my fault. This sounds like pure bullshiznit to me.

Btw I'm pissed off, and just needed to let off some steam.

What's the company?

If you're making a claim under your collision coverage, your policy states you have a deductible of "x" amount. end of statement. It doesn't matter who's fault it is. The only way you're not going to pay any deductible is if you make a claim under his liability coverage. Once they pay, they will try to subrogate and get their money back from him. If they do, you'll get your deductible back as well. I think some states say that they get their money first, then you get yours. Others are different, as soon as they recover anything, they must refund your deductible.

It's not a collision claim, I wasn't at fault, if I was I would have paid it out of my pocket and went on $1400
I know about the subrigation, and how they get the money back, it's just that when you have a police report, I dunno why they need to get a ded out of me anyway.

If I had no proof, then I wouldn't bitch. He was towning the CJ7 with a Dodge Dakota, the CJ7 did not have license or Vin # on it when I looked with the officer. I do have the vin and license from his Dakota though.

 

[jemcam]

If something hits your car (other than an animal, then it's comprehensive) or if you hit something and you make a claim, it is under your collision coverage. Your collision coverage has a dedutible in every case I've ever seen. If they pay a collision claim, you pay your deductible. It's not BS, it's a contract you entered into with the insurer.

 

[Darein]

So is the insurance company expecting you to track him down or are they going to try to find him?

 

[jemcam]

Originally posted by: Darein
So is the insurance company expecting you to track him down or are they going to try to find him?

The claims person should try to contact them. If they can't, they'll pay the claim per normal procedures and forward it on to their subrogation dept. who will dig a little deeper and try to track this guy down. If you've got a driver's license number, they'll find him sooner or later.

BTW, I highly suggest you read your policy to find out what you are and are not entitled to. It's all there in black and white.

 

[T2T III]

Have you thought about going back to the police? They might be able to assist you by taking a copy of the report, running the license plates and paying the guy a visit.

 

[CurtCold]

Originally posted by: jemcam
If something hits your car (other than an animal, then it's comprehensive) or if you hit something and you make a claim, it is under your collision coverage.

Not exactly, if you hit a deer, then it's comprehensive in AR. The Tire from his truck hit me, I had nothing to do with it, and certinly tried to avoid it.

If he would have paid to have the vehicle towed, instead of pulling it with a log chain, then none of this would have happened in the first place. 2nd He should have had License and insurance on a vehicle that was on the Highway.

I don't see that I should be "punished" for any of this. I have my Heatlh, LIFE, Morgae Protection, AUTO, and Home insurance all through this agency, the least they could do is help me out, otherwise, I'm outta there.

 

[CurtCold]

Originally posted by: wje
Have you thought about going back to the police? They might be able to assist you by taking a copy of the report, running the license plates and paying the guy a visit.

Yes that is a good idea, adjuster told me that when the subrogated, that if He didnt' pay, they would suspend his driver's license, then he would not pass go, and collect $200

I should have just been a biatch about it, and said that I needed to go to the doctor, and that my neck was snapped, and that I would have to be off work for 2 months, and I have recurring nigtemares about 17" Buckshot mudders running over me, I need psyhciatric treatmetn..etc.

But I just wanna get my damn truck fixed, it's starting to rust where the tire axle hit the cab.

 

[jemcam]

Originally posted by: CurtCold

Originally posted by: jemcam
If something hits your car (other than an animal, then it's comprehensive) or if you hit something and you make a claim, it is under your collision coverage.

Not exactly, if you hit a deer, then it's comprehensive in AR. The Tire from his truck hit me, I had nothing to do with it, and certinly tried to avoid it.

If he would have paid to have the vehicle towed, instead of pulling it with a log chain, then none of this would have happened in the first place. 2nd He should have had License and insurance on a vehicle that was on the Highway.

I don't see that I should be "punished" for any of this. I have my Heatlh, LIFE, Morgae Protection, AUTO, and Home insurance all through this agency, the least they could do is help me out, otherwise, I'm outta there.

I said if an animal hits you, it is comprehensive. The tire that hit you is not an animal, hence, it is a collision claim. It doesn't matter who is at fault, if you're making a collision claim, it is subject to your deductible. It's not the company that's doing it.

 

[jemcam]

Originally posted by: CurtCold

Originally posted by: wje
Have you thought about going back to the police? They might be able to assist you by taking a copy of the report, running the license plates and paying the guy a visit.

Yes that is a good idea, adjuster told me that when the subrogated, that if He didnt' pay, they would suspend his driver's license, then he would not pass go, and collect $200

I should have just been a biatch about it, and said that I needed to go to the doctor, and that my neck was snapped, and that I would have to be off work for 2 months, and I have recurring nigtemares about 17" Buckshot mudders running over me, I need psyhciatric treatmetn..etc.

But I just wanna get my damn truck fixed, it's starting to rust where the tire axle hit the cab.

So, now you're sorry you didn't commit insurance fraud (also a felony) because you don't understand your policy? The insurance company doesn't get hurt, everyone else does, they simply pass the costs along to the rest of their policy holders. Remember this one next time you have a premium hike. Too many people treat insurance claims like they have struck the lottery, and that's one of several reasons that the insurance industry is in the quandry it is in today.

 

[rahvin]

If you make a claim to YOUR insurance company you pay your deductible regardless of circumstances. If he has insurance and you make a claim against HIS insurance you don't pay a deductible.

Those are the breaks.

 

[CurtCold]

Originally posted by: jemcam

Originally posted by: CurtCold

Originally posted by: wje
Have you thought about going back to the police? They might be able to assist you by taking a copy of the report, running the license plates and paying the guy a visit.

Yes that is a good idea, adjuster told me that when the subrogated, that if He didnt' pay, they would suspend his driver's license, then he would not pass go, and collect $200

I should have just been a biatch about it, and said that I needed to go to the doctor, and that my neck was snapped, and that I would have to be off work for 2 months, and I have recurring nigtemares about 17" Buckshot mudders running over me, I need psyhciatric treatmetn..etc.

But I just wanna get my damn truck fixed, it's starting to rust where the tire axle hit the cab.

So, now you're sorry you didn't commit insurance fraud (also a felony) because you don't understand your policy? The insurance company doesn't get hurt, everyone else does, they simply pass the costs along to the rest of their policy holders. Remember this one next time you have a premium hike. Too many people treat insurance claims like they have struck the lottery, and that's one of several reasons that the insurance industry is in the quandry it is in today.

No I'm not a moron, that was just satire. I just want to get my truck fixed, I understand how insurance works, I know that we are paying for the $$$ in lawsuits and medical claims this is the first time I have ever had to use my insurance for anything.

I hated to have to turn this in for them to deal with, but I was getting no where on my own, and didn't have a choice. I am NOT going to pay for damage that I did not encure willingly, or neglagetly.

 

[Yossarian]

Hate to say it, but that's what you get for waiting 3 months to deal with it.

 

[jemcam]

I hated to have to turn this in for them to deal with, but I was getting no where on my own, and didn't have a choice. I am NOT going to pay for damage that I did not encure willingly, or neglagetly.

If you make a claim under your collision coverage, you will have a deductible, unless you find a hack or unscrupulous bodyshop that will save your deductible. In that case, he won't repair the car properly, and will shortcut somewhere to save your $200. You'll save your money, but the insurance company won't help you out if you complain to them about the quality of the repairs because you didn't pay your deductible and the shop didn't fix it properly. Bodyshops that save your deductible aren't taking money out of their pocket to make it up. They simply do shoddy repairs to make up for it. The shop manager or owner will still make the same amount of money on the deal.

 

[CurtCold]

This should be an uninsured motorist claim, not a collision claim.

That's the bottom line. (Cause CurtCold said so)

Really if I would have been towing the jeep, and my tire had hit the other guy, then I would have called him, and made sure that he
1) Had all of my insurance information so he could get his G ride fixed
2) Went to the body shop, and worked out a deal, or paid them to fix his G-ride.

 

[jemcam]

Originally posted by: CurtCold
This should be an uninsured motorist claim, not a collision claim.

That's the bottom line.

That's not what uninsured motorist is for. Read your policy. Uninsured motorist is for medical payments.


See definition here

 

[CurtCold]

Uninsured motorist BI 50/100
Uninsured motorist PD 50

BI=Bodily injury
PD=Property damage

Underinsured motorist 50/100/50
50K Per person BI
100K per Accident BI
50k Per accident PD.

Uninsured motorist if for both BI and PD.

 

[jemcam]

Originally posted by: CurtCold
Uninsured motorist BI 50/100
Uninsured motorist PD 50

BI=Bodily injury
PD=Property damage

Underinsured motorist 50/100/50
50K Per person BI
100K per Accident BI
50k Per accident PD.

Uninsured motorist if for both BI and PD.

Then why is your insurance company saying it is collision? And if so, does your uninsured motorist collision have a deductible or not? That may be why you listed 2 different deductibles in your original post. $200 & $240? Different scenarios mean different types of claims, which mean you have different coverages, different limits, and different deductibles.

 

[CurtCold]

Originally posted by: jemcam

Originally posted by: CurtCold
Uninsured motorist BI 50/100
Uninsured motorist PD 50

BI=Bodily injury
PD=Property damage

Underinsured motorist 50/100/50
50K Per person BI
100K per Accident BI
50k Per accident PD.

Uninsured motorist if for both BI and PD.

Then why is your insurance company saying it is collision? And if so, does your uninsured motorist collision have a deductible or not? That may be why you listed 2 different deductibles in your original post. $200 & $240? Different scenarios mean different types of claims, which mean you have different coverages, different limits, and different deductibles.

Yes I just got a call from the Claims rep, had to do an over the phone "statement"

She says the claim is going to be uninsured motorist, and that I will have a $200ded, but when they subrigate, they will refund my $200
That's ok, but really I shouldn't even have to be out the $200

btw $240 is my collision deductable