by Guest » Thu May 15, 2008 04:49 am
Hi!
I am hoping someone can help me on this!
I was involved in an accident on Dec. 1 07. I was rearended by a Hummer going approx 45 mph. My minivan had approx 11,500 in damage (it is a custom 07 Sienna) and I had a rental car for 12 weeks. After the accident, I had to take my 4 kids (ages 6,4, 2, 6 mths) to the er and then one to the pediatrician 4 days later. Two were treated with whiplash and had chiro for about 5 months. Medical bills totaled 2950. Lost wages to take the kids were approx 680, diminished value on my vehicle is about 4K. They also didn't pay the car rental bill for 6 weeks and it was charged to me so I paid an over the limit fee and lost my 0% promotional rate due to default (even though the charge has been reversed.) The insurance company offered me an accident settlement of 2,150 and then they were going to pay the 1500 of chiro (there is a lein and that is included in the 2950) I told them I was looking for around 16300 (four times medical bills, 4K in diminished value, lost wages and over the limit fee.) Am I asking too much? They told me I was being unreasonable and that Missouri doesn't recognize diminished value. My insurance company says they do. What is a fair accident settlement amount?
I am hoping someone can help me on this!
I was involved in an accident on Dec. 1 07. I was rearended by a Hummer going approx 45 mph. My minivan had approx 11,500 in damage (it is a custom 07 Sienna) and I had a rental car for 12 weeks. After the accident, I had to take my 4 kids (ages 6,4, 2, 6 mths) to the er and then one to the pediatrician 4 days later. Two were treated with whiplash and had chiro for about 5 months. Medical bills totaled 2950. Lost wages to take the kids were approx 680, diminished value on my vehicle is about 4K. They also didn't pay the car rental bill for 6 weeks and it was charged to me so I paid an over the limit fee and lost my 0% promotional rate due to default (even though the charge has been reversed.) The insurance company offered me an accident settlement of 2,150 and then they were going to pay the 1500 of chiro (there is a lein and that is included in the 2950) I told them I was looking for around 16300 (four times medical bills, 4K in diminished value, lost wages and over the limit fee.) Am I asking too much? They told me I was being unreasonable and that Missouri doesn't recognize diminished value. My insurance company says they do. What is a fair accident settlement amount?
Posted: Sun May 25, 2008 04:36 pm Post Subject:
Honestly, I've been in this business in one way or another since 1986...In the past ten years or so, I've had virtually no trouble with a/m parts, it's very rare when it happens...fit, quality etc....and if there is an issue, it's handled quickly...the shops I deal with have no problem what so ever with these parts.....course they are ALL wrong, I'm sure according to MIke.....the cost of oem parts has fell thru the floor to the point that I've actually in the past month had two parts that oem was cheaper than a/m! can you imagine? Think this would have happened if a/m parts hadn't moved into main stream?
Just another insurance HAWKER NOT HOCKER extolling the virtues of parts they do not install and don't get to hear the commentary from the employees because a disgruntled employee could harm the shops dependence on the insurance referals. I bet you didn't even know that there is a report that there is contamination of radioactive isotopes in chinese steel which is used in the production of sheet metal parts. It's not okay to let kids play with lead based painted toys that are imported from China, but it's okay to expose american workers to the hazards of these parts and the consumers to losses in value from their use.
The reason that you see OEM parts priced lower is that they are trying to eliminate the use of some of the more egregious substitute parts. The use of these parts robs american steel workers of jobs and industries from creating the raw materials to produce quality galvanized protected, fitting parts. Aren't we giving enought foreign aid to countries that only care that we buy their products so we can become as dependent on them as some shops are on their subsistence from insurers? Go ahead put on taiwan sheetmetal drag our economy further in the ground and support some country that may someday control us.
Is the gecko , the cave man, and every other insurance advertisement hawking their product or service. I guess thats okay but Lori uses it to diminish and discredit the service that shopowners and myself who are expert repairment offer to help vehicle owners maintain the value in their vehicles, the safety, and to expose fraudulent activities that these insurance and shop alliances create.
Shops that say there are no problems with these parts are mandated to use a certain percentage on their grade cards or risk losing their place on the insurance teat. Not a very good representative example of honest opinions of these parts.
Posted: Sun May 25, 2008 04:51 pm Post Subject:
The world is coming to an end! Beware!
Facts were not working out for you, huh? Now we are just trying scare people into thinking you have a valid point. Laughable! What's next?
BTW- I've worked for years at companies that allowed for AM parts and had no DRP shops. Whats the reason they had no problems with those parts? Perhaps they also were part of this big global conspericy against you.
Posted: Sun May 25, 2008 04:57 pm Post Subject:
Get out of your corporate cubicle T. Take off your blinders and read a little besides the insurance journals.
http://www.usatoday.com/news/world/2008-03-03-radioactive-steel_N.htm
I don't know what a conspericy is but I do know what a conspiracy is and I don't think it's that either. I think it's lack of oversight. How does it make you feel knowing a Chinese company is using kids in the production of parts you mandate.
Posted: Sun May 25, 2008 05:04 pm Post Subject: Just another day in the life of an adjuster
I am sorry if I am making your life miserable and you are having to take your personal holiday time to respond to my conspiracy theories. Maybe you shoud go over to jobvent.com and tell all those adjusters and claims people that life is a bowl of cherries.
After reading just a few posts on that board, I began to think I better leave posting here for the weekend. I don't want to be the one to cause Lori and T to go postal or have to seek treatment for stress.
Ohio 05/09/2008: My wife threatened to leave me if I didn't find another job. Progressive was putting a huge strain on my personal life and she couldn't stand me working claims from my laptop at 11:00 pm. I'm happy to report I've accepted a position with a competitor and this could possibly be one of the happiest days of my life (saved my marriage).
pay: for the insane workload and hours expected it is bad. gainshare will be gone soon
respect: very little. tl's are a joke and bm's clueless. corporate has created a CYA mentality on every level here. too many chiefs and not enough indians (and not the Cleveland Indians...what a complete waste of money on rights to that stadium!)
benefits: I gave this a -1. etb seemed generous especially after I've been with the company 5+ years BUT, management frowns upon taking time off because every office is so short staffed!!!
Job security: the company is a sinking ship and rifs expected in every dept here
work life balance: see my first paragraph
career potential: only if you're single and a yes person. way too many managers with little experience/knowledge who are promoted.
location: many will be closing
co workers: leaving the company everyday. they kept hiring/bringing in new suckers monthly and many would be gone after 6 months
work environment: one word.......toxic
advertising/marketing: an absolute JOKE
Toxic, kinda like that radioactive steel.
Posted: Sun May 25, 2008 05:07 pm Post Subject:
As I mentioned, laughable... and typical. Here is the _REAL_ truth, quoted right from the article:
"Italians seize 30 tons of radioactive steel"
Last time I checked, we were in America not a Latin country. Let me get my globe out.... yup, still in America.
"The environmental protection police squad said the steel was destined for the industrial production of chimneys and pulleys, and long-term exposure could have been dangerous for workers handling it."
I just got back from my garage and checking my vehicle for a chimney. As I suspected, there was not one.
"The steel had been accidentally mixed during production with cobalt-60, a radioactive isotope of cobalt, police said."
Notice the word "accidentally", as in not normal.... was a one time occurrence (we learn what "accident" means in our secret insurance meetings).
But this is really no surprise. I think everyone reading your threads has not realized that you simple spout 1/2 truths and things that are simply not even correct. The surprising thing... you simply _continue_ to prove this correct. It's really a little surprising.
Posted: Sun May 25, 2008 05:12 pm Post Subject:
China's exports have come under intense scrutiny in the past year after potentially deadly chemicals were found in goods including toothpaste, toys and seafood.
Our government tends to try to conceal this stuff, we wouldn't want to harm a trade relations with China now would we.
Wonder if this is why you can not get an msds sheet on the primers and steel of taiwan and chinese sheetmetal.
Posted: Sun May 25, 2008 05:20 pm Post Subject:
I'm happy to report I've accepted a position with a competitor and this could possibly be one of the happiest days of my life (saved my marriage).
This person was so upset at the insurance industry that they quit and went to work for another one.Being an adjuster is certainly not for everyone... and this poster may find out it's not the company that was not working out, he may not be suited for the job, period. Just like many jobs it take a certain mind set. It's an adversarial job by nature.
There are also insurance companies that don't treat their employees fairly... I've worked for a few of those! But I'm guessing that is true in all lines of work.
But lets be a little more fair... here are some other quotes from posters on that site... and keep in mind that these are _complaints_:
"I used to enjoy coming to work. I was treated with respect. The workload can be heavy, and pay increases were typically pretty good. Over the past 18 months, things sure have changed."
"I do not feel respected by this company anymore. I use to be proud and love it. Not any more."
"Pay is good, not great 0 Respect from upper management, they are only interested in shuffling managers rather than giving someone that works their ass off a shot at management. This is a way to keep costs down."
Again, these are people who are taking the time to complain about Progressive yet they all seem to have something positive to say as well. Usually when an upset employee takes the time to say something negative about their company you don't hear anything positive. I was actually quite surprised. BTW- I simply took the first 3 in a a row. I did not pick these out at random.
Posted: Sun May 25, 2008 05:22 pm Post Subject:
Our government tends to try to conceal this stuff, we wouldn't want to harm a trade relations with China now would we.
Yeah... it's just a conspericy. Can't support anything with facts or documentation so we resort to things like this. Loosen that tin foil hat just a little.Posted: Sun May 25, 2008 05:29 pm Post Subject:
Whoa, thanks for pointing this quote out
I used to enjoy coming to work. I was treated with respect. The workload can be heavy, and pay increases were typically pretty good. Over the past 18 months, things sure have changed."
"I do not feel respected by this company anymore. I use to be proud and love it. Not any more."
Thats the same comments we hear in our trade magazines about how those drp relationships start when those collision shop owners and association leaders aren't getting the respect from guys like T.
Posted: Sun May 25, 2008 05:36 pm Post Subject: Better be looking over your shoulder t
Some young wascally adjwuster might have their eyes on your job and management might be looking at all the time you spend on line. How do you sneak those posts in during the day. Is that on a company laptop. Becareful not to break any company rules.
Cleveland, OH 05/07/2008: The pay is ok..but oh will you earn it!!! There is no such thing as job security and the best are on the chopping block. My department recently closed at PRG and the worst managers were moved and even promoted while the greatest manager I have ever had was 'no longer needed' after 21yrs of dedicated service. In my new demotion job I will be treated like a 5yr old and told when to take my lunch as well as my 'scheduled bathroom breaks'. Every minute of my day will be monitored by buttons pushed on a phone and trust me ...they will be watching. I used to be the company cheerleader..but the company is going downhill fast and they are panicking. I am looking and cannot wait to get out. Unless you are willing to sell your soul I wouldn't recommend employment here. PS... no one ever retires from this company..as soon as you get mid-level they will 're-org' and you'll be out too. NO ONES JOB IS SAFE AT PROGRESSIVE!! PSS...the only reason we bought Progressive Field is because we were afraid Geico would buy it and embarrass us in our own backyard.
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