by Guest » Fri Nov 07, 2008 08:37 am
My car is a total loss according to my insurance. They say it's worth is 2700. They sent me a report of what it would cost to fix it, which is 3215. (this was just according to a visual inspection by my adjuster).
Now shouldn't the OTHER person's insurance co. be doing all this b/c I'm not at fault? (eg, inspection, estimating cost, paying for a rental...)
I told my adjuster that I wanted to have the other co. look at the car. I would also like to take it in myself to a repair shop to see what they say.
Also, my policy says I have a rental car up to 30 days, but she said I only get a rental if I give the car to them, and then I'd only get 3 days of a rental. Right now I'm using my mother's car every damn day.
Then, I got a long letter saying one of the options for the (my) insurance co. is to find me a replacement car, which the girl didn't mention to me on the phone. Then in another section, at the end of the letter, it said if I found a comparable car that costs more than they say it's worth, they'd pay me the difference! I did some searching and to find a comparable car, I'd be paying double what supposedly my car is worth (I got mine w/pretty low miles for its year, 1996).
What the hell? For one thing, I shouldn't have to pay ANYTHING b/c it WASN'T MY DAMN FAULT! And why is my insurance taking care of this, and not the other person's?
(Everyone at the scene of the accident agreed it wasn't my fault, though its not formal yet. And there were 3 cars involved, mine being the middle. The one behind me smashed into me, which made me smash into the car in front of me.)
Right now, I'm waiting for the claims girl to call the other at fault person's insurance co. to come look at my car.
Is all this normal or are they crooks?
Now shouldn't the OTHER person's insurance co. be doing all this b/c I'm not at fault? (eg, inspection, estimating cost, paying for a rental...)
I told my adjuster that I wanted to have the other co. look at the car. I would also like to take it in myself to a repair shop to see what they say.
Also, my policy says I have a rental car up to 30 days, but she said I only get a rental if I give the car to them, and then I'd only get 3 days of a rental. Right now I'm using my mother's car every damn day.
Then, I got a long letter saying one of the options for the (my) insurance co. is to find me a replacement car, which the girl didn't mention to me on the phone. Then in another section, at the end of the letter, it said if I found a comparable car that costs more than they say it's worth, they'd pay me the difference! I did some searching and to find a comparable car, I'd be paying double what supposedly my car is worth (I got mine w/pretty low miles for its year, 1996).
What the hell? For one thing, I shouldn't have to pay ANYTHING b/c it WASN'T MY DAMN FAULT! And why is my insurance taking care of this, and not the other person's?
(Everyone at the scene of the accident agreed it wasn't my fault, though its not formal yet. And there were 3 cars involved, mine being the middle. The one behind me smashed into me, which made me smash into the car in front of me.)
Right now, I'm waiting for the claims girl to call the other at fault person's insurance co. to come look at my car.
Is all this normal or are they crooks?
Posted: Fri Jan 08, 2010 03:08 pm Post Subject:
Well, Houston, we have a problem...
only I wasn't at fault
yeah, you were...I was 3 car lengths behind them and saw middle car hit front car, I braked, hit some ice and slammed into their car
Doesn't matter that there was ice...if you cannot stop your vehicle, and hit another you will (as you've discovered) be considered at fault. I'd bet if you were stopped in traffic and another guy hit a patch of ice and hit you, you would surely assume he would be responsible for the repairs to your vehicle right?why take statements if all accounts tell the same story
How would you KNOW all accounts were the same without taking the statements? :?and not take them into account when insurance is involved
I don't understand what you mean my that statement..why call the cops at all if insurance disregards the fact that though you hit someone they were the idiots that caused the problem in the first place by not paying attention and braking early enough (I mean BEFORE hitting the other car)?
I'm sorry but this really doesn't make any sense...it doesn't matter that the other party hit someone and stopped, the FACT of the matter is you did the exact same thing...and are equally as 'guilty' as the other guy...Add your comment