Question about Old Accident

by Guest » Fri Feb 01, 2008 09:14 am
Guest

Ok, it's been a few years since this accident happened, but I had no access to a forum like this at the time. I thought what happened was wrong and just wanted some opinions.

I live in Florida as far as any insurance laws go. (We are a "No Fault" state.)

My fiancee was driving southbound coming to pick me up from work. A teenager pulled out from a sideroad turning left to go North. My fiancee slammed her brakes but didn't have enough time to not hit the kids car. She clipped the back edge of his car and the front of my car was pretty smashed up. Neither her or the teen had any damage. (Funny thing is my dad met me there and the kid ended up being one of his students.)

The police found that the teen was pretty much more at fault, so it was going to be his insurance paying damages. He had Mercury, I had Geico. I talked with his insurance a few times and they talked to my fiancee. She didn't think about it and told him she was going a few miles an hour over the speed limit. (It was only like 3-4 MPH, but OOPS!!) She also told him there was a turn lane to her right, but how was she supposed to think that fast? Anyways, they decided they'd pay 60% of it and if I wanted more, my insurance could pay the rest.

After talking with my insurance, they offered to send their adjuster to look at it so I wouldn't get screwed by Mercury. I agreed to do this. I regret that. It wasn't their insurance that screwed me. The gentleman that went to look at it called me back and gave me the estimate but said he should have the car towed to where Geico takes them. I told him and the storage place no because Mercury was supposed to tow it to their adjuster...Geico was only giving me a backup adjustment.

This guy was a total jerk about it saying he knew what he was talking about and that it was his call. I went to the storage place and signed my car out to Mercury to pick up and told them that Geico was NOT to take it. What do they do? Release it to Geico. The moron working at the storage place (who showed no paperwork of my car coming the night before by the way) ended up calling me and telling me I released it to the wrong company, but they gave it to the right one. :roll: They then called up my fiancees cell phone trying to find out who she was. MORONS!!!!

Anyways, I gave Geico my information on my car's leinholder and they were going to take care of it and get their money back from Mercury when the time came. They repeatedly told me they couldn't get ahold of my leinholder. The guy and car company were shady to begin with, so I just assumed that he disappeared or was in jail or something...so I tried to get info on where he went through the state like Geico told me.

Almost a year later, I was like, "What the heck? Let's try calling the car dealership he was based in and see if they have info." What do you know...he was still THERE!!!! So I called Geico again, gave them the number once more and got it settled, got my car paid off and got a big $600 check after they took care of the storage fees. (Even though storage was worthless.)

Am I the only one that can't believe these fools?

Total Comments: 9

Posted: Fri Feb 01, 2008 10:22 am Post Subject:

Sounds like a big communication mess and you had a control freak in the middle of it.

This guy was a total jerk about it saying he knew what he was talking about and that it was his call.



Don't you hate control freaks! :twisted: :twisted:

Hey elsquatchy Welcome to the forum, I am sure that you will get a lot of good feedback on this. Hang in there. Probably a lot more to come. :D

Posted: Fri Feb 01, 2008 01:42 pm Post Subject:

Well, (unless I mis-read it), ultimately it ended up in the correct place anyway right? Gieco ending having to handle it thru your collision coverage right? So had the storage/tow lot done what you told them to, it would've had to been towed again to the Gieco storage free facility right? Although I agree it was a mess...''this'' part worked out for you...(or did I miss something?)

RE: comparative negligence, yeah, fiance' kind of stuck herself there, although I personally (from this information) think they went alittle high 60/40 (but this is common start high and work down), the fact that she admitted to speeding (although 3 mph we kind of think if they 'admit' to 3 it was likely about 10)...the other lane to avoid and the fact that his damage is to the rear of his vehicle (presumably he would've been nearly thru before she hit him)...gotta be careful what you say ... haha..

Sorry you had so much trouble....yes, we may have been able to help guide you at the time...but alls well that ends well...have they settled the subrogation claim yet? If so what was the final percentage?

Welcome by the way!

Posted: Fri Feb 01, 2008 02:53 pm Post Subject:

The percentages were about the same. They paid off my car which made me happy. What didn't make me happy was the leinholder never sent anything to the credit places at all about me ever making any payments. When I tried to refinance at my bank, they told me it didn't even show that I owned a car.

As far as the adjuster, I'm still mad that he took the car after I strictly told him to back off. How can you take someone's property unless they sign a paper authorizing it?

Posted: Fri Feb 01, 2008 03:01 pm Post Subject:

How could it show that you never owned the car? How long did you have it? How long were you making payments? You are talking about on your credit report the car was not showing up as you making payments, right? or am I totally wrong here?

Posted: Sat Feb 02, 2008 12:39 pm Post Subject:

I don't blame you...

As far as the adjuster, I'm still mad that he took the car after I strictly told him to back off. How can you take someone's property unless they sign a paper authorizing it?

Here's how that probably happened...Generally you just sign or verbally agree to release your vehicle to 'blah blah', however 'blah blah' isn't named on a form...so it is just a general release to move it...I agree with you though if you forbid him from moving it, it shouldn't have happened.

Posted: Sun Feb 03, 2008 12:10 am Post Subject: rip off

this is why these days it is best to talk to an attorney. you dont have to sue but they will be sure to give you your options trying to get you to go with them and let them handle your case. the first call is normally free, called a consultation.

Posted: Sun Feb 03, 2008 02:38 am Post Subject:

In some cases this is true, but not in all.

Posted: Sun Feb 03, 2008 12:55 pm Post Subject:

An attorney wouldn't have gotten this OP anything but another bill to pay on this claim.

Posted: Fri Jul 25, 2008 02:14 am Post Subject:

Some people just don't listen to wha tyou tell them.
Did every thing turn out ok?

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