I can see why people hire lawyers for the littlest insurance claim. I've never experience so much run around since dealing with MY insurance company and the other person insurance company. Everything started off smoothe but my oh my did I have rollercoaster ride the last few days of dealing with this.
I posted earlier that I was involved in a car accident w/ my children. Anyways thanks to people who responded.
I had my rental, my car was in shop being repaired, my children visited the dr's got a bill of good health, THEN it begin, Other insurance co--yes we've accepted fault, MY insurance co--Yes, your car is ready and your deductible is $500 because the other insurance co haven't accepted liability. OTHER- Yes, we've accepted fault, have them fax us over a direction to pay
MY Insurance-- what's a direction to pay.
Other person insurance co--I'll call them.
Me calling my insurance company--just checking to see to what time to pick up my car.
My insurance co-- 5:45 it'll be ready, just bring cc, check, or money for your deductible.
Me: HUH? Didn't they call you and work this out?
My insurance co-- oh I can see they accepted fault but it's not download to the computer. I'll note it in the computer
This was Friday 24hr before turning in the rental. And I didn't have $500!! So anyway it gets cleared up on Monday.
Boy, was I pissed though, because had I not called each insurance company to verify, I wouldn't have known that I would have to 1) pay a deductible I thought had been waivered, or 2) rack fee on a rental courtsey of my own pockets or 3) hitched a ride and returned home without any car on Monday!!
Anyway Monday, I go to pick up my car and another client, had just been hit with the curve ball I dodged just barely on Friday.
MY insurance co to the young lady---"no, the other insurance company haven't accepted liability yet."
Young lady--well they said they did...
Me thinking to myself---did you computer download it yet?
I mean, seriously shouldn't the agents be a little more courteous to their own clients? A phone call that say "Hey, your deductible haven't been waivered yet, maybe give the other insurance co, because it's clearly not your fault or call or hey let me check the other system...
Funny thing is though, I was given the website to view my claim online, yet each boxed showed "Completed" Accident report --completed, Determination of Fault--completed etc. Why not add another box, that says-- deductible waivered ---completed or in process??
I guess it's too much and fast cash is so much better. _________________ Register Now to have your Insurance queries solved.
If you file the claim under your policy, your carrier is only obligated to issue payment for the repairs, less the deductible. This should be explained to you up front. Some insurance companies extend a courtesy and waive the deductible when the other carrier acknowledges that they will pay for this loss... but this is a courtesy not the rule.
It sounds like there was some miscommunication and/or that things could have been handled a bit more smoothly.
This is a common occurance, (in Lori world) lately...the company I work for is waiving deductibles ''if'' they can get an agreement from the claimant carrier to pay it...well alot of the issue is if the CC gets it done...none the less, sounds like you had a little touchy period, and this is unfortunate, but gotta tell ya' I've seen it way worse... _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
Yikes, i empathies with you. The insurance companies can give you serious run-arounds when the time comes to settle the claim.
Quote:
It sounds like there was some miscommunication and/or that things could have been handled a bit more smoothly.
Shouldn't they be little more prompt in handling such situations? I mean, they are only earning consumer dissatisfaction by doing so. _________________ Register Now to have your Insurance queries solved.
Shouldn't they be little more prompt in handling such situations?
certainly _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
