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: Sat May 31, 2008 12:32 pm Post Subject:
Yeah, I lost a post as well (accidently clicked on a link and when I went back to this page, writing was gone. Darn).
I took a look at the Progressive contract... don't know what you wanted to point out. The following....?
"6.2 Repairs. Contractor will complete all repairs necessary to restore the vehicle to its pre-accident condition in terms of form, fit, finish, appearance, durability, functionality and safety. All such repairs shall be completed in accordance with or shall exceed industry standards then in effect. Contractor will complete all structural and/or safety related repairs in accordance with ICAR standards. Contractor will be responsible to ensure that all subcontracted repairs satisfy these standards.
Other parts of the contract state if OEM parts are specified, they need to be put on the vehicle and that the shop is not to make repairs that won't restore it to it's pre-accident condition. Damn Progressive for making their DRP's such a think!
Honestly... did you even read the links you posted? This has been asked before as... guess what... the linked information does not support what your talking about.
Posted: Sat May 31, 2008 01:37 pm Post Subject:
Honestly... did you even read the links you posted? This has been asked before as... guess what... the linked information does not support what your talking about.
Not only that...it proves our point!!! geeeeeeeeze .....Oh yeah, did you notice some of those direct repair agreements posted at the web page I sent you?
As mentioned there is ONE and it's their CSC agreement (close though I'll give him that)....although it contains NOTHING that he has maintained is in ALL OF THEM!!!!! :roll: :roll:Posted: Sun Jun 01, 2008 04:41 pm Post Subject:
Contractor will cause Progressive Casualty Insurance Company, its parent corporation and each of their respective subsidiaries and affiliates, to be named as Additional Insureds under each policy of such insurance maintained by Contractor (except Worker's Compensation) to the full extent of the coverage limits thereof.
What this really has been interpreted to say..........
We will tell you how to fix cars and you will hold us harmless. If we specify a cheap part, a used part, inferior parts, you can not hold us liable because you have promised to hold us harmless. IF anyone is injured as a result of you fixing cars the way we specify, you the shop have promised to name us on your garagekeepers policy so that we will suffer no financial harm or responsiblity for acts you take at our direction. After all we did not force you to sign this contract.
Sad that it is this very program that is the poster child for unhappy consumers that can not monitor their repairs because they have no contact with the shop or have no clue where their vehicle is being repaired. Progressive is the pusher and the shops are the takers. And the vehicle owners suffer the harm when poor repairs have been discovered.
This is like handing your kid to the insurer and they putting out bids on who can mend their broken body and you do not see your child til the surgery is over and the insurer hands them back into your care.
No attorney would recommend that any shop owner sign these types of contracts.
This archive seems to substantiate all the assertions that I have made with regard to the insurance industry's manipulation of the collision industry. If you failed read some of the other archived articles by attorney Erica Eversmen and Richard Blumenthal attorny general of Conneticutt on insurer abuse, you really should. There is even a confidential memo in there about MIST.
http://www.princetonautobody.com/Docs/PDF/AG_DRP.pdf
http://www.princetonautobody.com/Docs/PDF/causey.pdf
Posted: Mon Jun 02, 2008 09:56 am Post Subject:
What this really has been interpreted to say..........
And you the great legal minded Mike, have interpereted it to mean this huh? hmmmmmm seriously this is all you got? What about the claims about what these contracts have in them? You provide ONE, example with NOT ONE of the things in it you claim they ALL contain!!!This archive seems to substantiate all the assertions that I have made with regard to the insurance industry's manipulation of the collision industry. If you failed read some of the other archived articles by attorney Erica Eversmen and Richard Blumenthal attorny general of Conneticutt on insurer abuse, you really should. There is even a confidential memo in there about MIST.
I read every single piece in the
http://www.princetonautobody.com/archive.htm
Like you instructed!!!!Go to drp related documents
I did not read the ''archives'' because you didn't source them there (read your own post!)....You were (once again) supplying these terrible drp contracts remember? You were going to show the world ALL THE TERRIBLE concessions shops have to give that are in the contracts....remember? And this is all you come up with! Once again, all blow (and bull) and no show...same song, (on about the ) fifteenth verse now... :roll: :roll: :roll:
Posted: Mon Jun 02, 2008 10:09 am Post Subject:
Ok, read em' this one is written by
Mike Causey is a freelance writer, speaker, consultant, and lobbyist for the automotive industry. He specializes in collision repair, auto glass, insurance, and consumer rights issues. Mike is a Registered Lobbyist for the Independent Auto Body Association (IABA) and the Glass Industry Legislative Coalition. Mike is available for speaking engagements and business and political consulting.
Even given this author's creditials...NOT one copy of an agreement again...his article sites only complaints and quotes from unhappy shop owners..(there's a novel list of quotes)...again ZERO....on your ''proof''..The next one is EVEN MORE hysterical and off topic...It's copies of letters to the Ohio Atty general...regarding steering! With a copy of a letter from atty general of Conn..regarding the same thing (steering) AGAIN AND AGAIN AND AGAIN, you do not provide what you say you are going to provide! Which is copys of drp contracts showing all these concessions!!!
Mike for the last time PAAAAAAAAAAAALEEEEEEEEEEEEEEEEASE!!!
PUT UP or SHUT UP!!
Posted: Mon Jun 02, 2008 04:38 pm Post Subject:
I am sure you would love for me to post documents that I have no reason to have in my possession and if any part is published, I could be prosecuted for copyright infringement. Not gonna happen looney lori! Get real! I gave you one drp contract the state farm one is out their in internet land on many forums. If they happen to come up in some court cases as available documents as they most likely will in Conneticut, we can all read them together and sing kumbayah.
You keep saying all your shops work in harmony, just proving that there is much discord in the industry due to interference from outside entities such as non professional repairers who are professional cubicle sitters and insurance bloggers.
The fact is that it is all linked and all a product of insurance steering to preferred shops with agreements all for negotiated discounts and cheaper repairs possibly at the detriment of consumers as evidenced by those articles and letters by the attorney generals questioning those agreements. You are locked so far in your cubicle and box, you can not see the bigger disruptive collusion and deception of these types of agreements which ultimately harm vehicle owners. Why are there no DRP shops here defending these agreements but we have the beneficiaries of them saying they are great.
Posted: Tue Jun 03, 2008 10:20 am Post Subject:
I am sure you would love for me to post documents that I have no reason to have in my possession and if any part is published, I could be prosecuted for copyright infringement
Mike in other threads you claim to have stores of these! I didn't say that YOU DID! How on earth could/would this be copywrite infringement? :? :roll: DUDE seriously! YOU are the one claiming you have all these documents and what they say...then you source ONE, (yes ONE) that has NONE of the things you claim...I didn't make these claims YOU DID!You keep saying all your shops work in harmony
We do,just proving that there is much discord in the industry due to interference from outside entities such as non professional repairers who are professional cubicle sitters and insurance bloggers.
What? :?with agreements all for negotiated discounts and cheaper repairs possibly at the detriment of consumers as evidenced by those articles and letters by the attorney generals questioning those agreements
AGAIN, you supplied one of these terrible drp contracts...where does it say there is ANY discount? where does it say cheaper repairs? It doesn't !!! Can you not read? or are you just kicking yourself for not reading that one and only contract FIRST prior to sourcing it? You're really making yourself look stupid Mike...You are locked so far in your cubicle and box,
Just for the record....I have no cubicle..I work from home, and 100% in the field, actually 100% in body shops!Why are there no DRP shops here defending these agreements but we have the beneficiaries of them saying they are great.
I'll have to assume (based on the shops I handle) that THEY are too busy fixing cars and don't have the time to play on the computer !!!Once again Mike proves, well (again) NOTHING.... :roll:
Posted: Tue Jun 03, 2008 01:19 pm Post Subject:
:roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: :roll: I have nothing to prove to Luney I mean Lori. Facts do not cease to be facts because one adjuster believes otherwise. Every copy of every agreement that I have claims copy right protection and expressly prohibits publishing any portion thereof. Maybe they would make an exception for you. Oh and the part about all your shops being busy? :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: :lol: We all Know otherwise. Salesmen and insurance adjusters talk. Shops whine to their associations and only the prostitutes keep their comments to themselves because they are too busy as you say, passing on those huge discounts and concessions to stay on the insurance teat.
Posted: Wed Jun 04, 2008 10:02 am Post Subject:
Shops whine
First known true comment you've made..I have nothing to prove to Luney
First and most obviously you've mis-spelled this...second YOU really don't want to continue the name calling mike..I promise you...Every copy of every agreement that I have claims copy right protection and expressly prohibits publishing any portion thereof
Really? don't see that on the progressive one...tell you what big boy, I'll ask to look at some others today while in the shops I work with, and see just how (un) true that comment is...passing on those huge discounts and concessions to stay on the insurance teat
.Where are the discounts and concessions in the progressive (and only) agreement you sourced? THEY AREN'T THERE! WOW...what a shocker, Mike provides false information once again! anyone keeping count? we must be to nearly 100 on the crapola meter my now... :roll:
Posted: Wed Jun 04, 2008 02:41 pm Post Subject:
Hey little lady, Its call Proprietary information, the same thing insurance companies claim their documentation is when supreme court justices request that they produce it, before they penalize them 25,000 dollars a day. I am certainly not going to reproduce anything that is not mine and claim it is the property documentation of an insurer.
Wonder why vehicle owners are not allowed to see the contractual arrangements of insurers and their partners, could be they do not want the vehicle owner to see the kick backs they are receiving in exchange for those referrals.
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