by mca123 » Thu Aug 21, 2008 04:59 am
Hi, I am new to this board. Hope you guys can hlep
Well, I have a new Lexus IS that has 4K miles (about 2 months old). I got rear ended pretty hard. I called to place a claim against the other drivers ins company. I took it to the dealers body shop. So I ended up getting a rental. I was told that it would be fixed in about 3 weeks.
Last Friday, i get a call from the shop stating that the other ins company wants the car fixed in a manner that the shop disagrees with. The gaps from the rear doors and the both rear quarter panels are not uniform (gap is larger at the top and bottom). The other ins company stated that is fine and they will not authorize them to replace both quarter panels. So today, both parties are a stand still after meetings with the supervisors at the other ins company. The shop does want to fix it in that manner and the ins company does not want to replace the panels. The shop stated they are an authorized repair shop for my ins company and I should contact them. I spoke to the other ins company and told them that I agree with the shop and would contact my ins company. I get a call a little after 1:30 pm from the other ins company demanding I return the rental today. What BS is this, I asked to speak with her supervisor twice but she kept changing the subject. I ended up taking time off of work and arranged a friend to pick me up from the rental place before they closed. So I called an filed a claim with my ins company. They are sending out someone to look at the car tomorrow.
My question is what happens to the 2+ weeks I had the rental car and am I in limbo with my car?
Well, I have a new Lexus IS that has 4K miles (about 2 months old). I got rear ended pretty hard. I called to place a claim against the other drivers ins company. I took it to the dealers body shop. So I ended up getting a rental. I was told that it would be fixed in about 3 weeks.
Last Friday, i get a call from the shop stating that the other ins company wants the car fixed in a manner that the shop disagrees with. The gaps from the rear doors and the both rear quarter panels are not uniform (gap is larger at the top and bottom). The other ins company stated that is fine and they will not authorize them to replace both quarter panels. So today, both parties are a stand still after meetings with the supervisors at the other ins company. The shop does want to fix it in that manner and the ins company does not want to replace the panels. The shop stated they are an authorized repair shop for my ins company and I should contact them. I spoke to the other ins company and told them that I agree with the shop and would contact my ins company. I get a call a little after 1:30 pm from the other ins company demanding I return the rental today. What BS is this, I asked to speak with her supervisor twice but she kept changing the subject. I ended up taking time off of work and arranged a friend to pick me up from the rental place before they closed. So I called an filed a claim with my ins company. They are sending out someone to look at the car tomorrow.
My question is what happens to the 2+ weeks I had the rental car and am I in limbo with my car?
Posted: Thu Aug 21, 2008 07:20 pm Post Subject:
The quick brown fox jumped over the lazy dog.
Posted: Thu Aug 21, 2008 07:27 pm Post Subject:
Hey are you a callin' me a lazy (girl) dog? :shock:
Posted: Thu Aug 21, 2008 07:41 pm Post Subject:
Not at all. For some reason my post double posted and I tried to delete it but couldnt. I put one letter in it but it wouldn't edit so I had to type an old typewriter class exercise.
I wrote an explanation of multiple source recovery using an attorney but your post hit before my edit and it is for ever lost in cyber space. Now I have to re post at a later time.
It was only a test.
If it had been an actual post, you would have been asked to observe commentary in the emergency posting regional operations network for new or a developing situation and would have been warned to take evacuation maneuvers for your own protection.
Posted: Thu Aug 21, 2008 08:43 pm Post Subject:
Now THAT was funny!
Posted: Thu Aug 21, 2008 08:51 pm Post Subject:
Now THAT was funny!
yes it was....nice work Mike! :lol:Posted: Fri Aug 22, 2008 12:34 am Post Subject:
Thanks guys/gals for all your help.
I talked to my ins company today and they said that they will do the DV when they do the subro. I am bumming a ride off a family member at the moment. My ins company stated they will only give me $10 for loss of use and cover 80% for my rental.
For some reason, I have a feeling that I might be getting screwed on this. Am I being paranoid? Should I contact an attorney about this DV of my vehicle or do I have to take my ins company DV? Or did I mess up by filing with my ins company?
Man this is turning into a nightmare... :cry:
Posted: Fri Aug 22, 2008 04:58 am Post Subject:
Have you filed a Dept. of Insurance complaint? This should be your very first action as most insurance companies will do the right thing once they know a complaint has been filed.
Well, I believe thats quite the last option...we should at least give our carrier a chance to go for subrogation & see if we have a way out of this situation. Yes, as the seniors have mentioned over here it is quite evident that the other party's carrier would stop the rental but they should be paying for the rental you've borne already. ArindamSenIndiesPosted: Fri Aug 22, 2008 09:27 am Post Subject:
My ins company stated they will only give me $10 for loss of use and cover 80% for my rental.
What is your rental coverage? and loss of use coverage? You need to check this...this is a payment option I've not heard of before, doesn't mean at all that your policy doesn't say this....check it out and let us know.Posted: Fri Aug 22, 2008 12:03 pm Post Subject:
I have State Farm (the other party is Progressive). They stated to me that if I do not get a rental, I will get $10 a day for loss of use. If I do get a rental they will cover it at 80%. I then asked, why should I have to pay anything for the rental since it is the other parties fault. They told me if I filed with them then that is correct, but since I started a claim with my company they said this is all that is covered...
Posted: Fri Aug 22, 2008 12:18 pm Post Subject:
Yeah, I understand that...but what I meant was what does your policy say, regarding the rental coverage you purchased? Does it say that it's an 80% coverage?
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