Posted: Wed Aug 05, 2009 04:29 am Post Subject: thanks
I understand 3rd party, But thats why I feel I should get a fairer price. What I have seen so far is not fair. For the record, our Dog was in the vehicle, with plenty of witnesses, went it was hit. When I mentioned any pending vet bills, The commerce adjuster laughed, and said they won't pay any vet bills. lucky for our dog and the nice soft seats of the extended cab the poor dog came thru OK, so far. She is still skittish when she gets in a vehicle now. Maybe I should I hire the dog whisperer and bill commerce. The fact that this women laughed, pisses me off and shows the type of people I'm dealing with.
denmic "Still venting"
Posted: Wed Aug 05, 2009 04:35 am Post Subject:
If can shaft somebody out of a few thousand each time, and people don't contest it. Bingo, this amount become a hugh chunk of change. Big bonus for all, some adjusters do recieve these.
Adjusters don't make more money based on incorrectly paying claims. Actually, this usually results in an unfavorable review of the file is audited. Adjuster DO make mistakes though.
Let me also mention this... do you know of any business that does not want to spend as little as possible on operating expenses in order to increase their profits? If you know of one... let me know as I want to make sure I don't have stock in the company. Insurance companies are businesses. They also have stock holders who expect the company to make a profit.
I often wonder, if those polices sent people to the grave?
You have not even seen the insurance companies valuation yet. I'd wait until you review it before jumping the gun. Also, a dealer in this economy is only willing to come $200 off their asking price? :shock: Sorry, this just does not agree with what I'm hearing about the deals people are getting on vehicles right now.
Posted: Wed Aug 05, 2009 04:41 am Post Subject:
I hire the dog whisperer and bill commerce. The fact that this women laughed, pisses me off and shows the type of people I'm dealing with.
denmic "Still venting"
Was your dog injured? Yes or no? If no, and you bring this up in response to an agreeable total loss offer, then how did you expect her to act? Truth is, adjusters hear this kind of stuff all day and every day. When I have someone yelling at me just because they don't agree, I'm going to shut down. When I have a person bring up unrelated non-nonsensical things, I'm not going to put a lot of weight into what they have to say. Call it wrong if you want... I'm just telling it like it is. If I'm speaking to someone and they raise valid points and/or concerns, then I'm going to treat them the same way.
Posted: Wed Aug 05, 2009 04:55 am Post Subject:
Sorry I haven't reply sooner, as I been waiting from the insurance company to ask to see their value.
I'd be looking forward to it..
Adjuster DO make mistakes though.
This is quite the truth. Adjusters do make mistakes and the burden won't always fall on the claimant. The consequences would sometimes be shared by the carrier too!
Posted: Sun Aug 23, 2009 04:46 pm Post Subject: what finally happen
To all
After haggling with the adjuster the final offer was 19,275. At this point I'm burnt out and rather than drag this on for ever, I accepted the offer. I will seek additional out pocket expenses ($432 in cost that they have refused to cover) thru small claims court. What have I got to lose! I will find a new insurance provider for (3) vehicles.
In talking to a car salesman and telling him what I was going thru. He told me he was in the process of buying a new vehicle and was considering Commerce, but not any more.
So as you can tell, word of mouth advertising will cause them to lose more than they saved. I've also heard some very negative comments from people who use to work for the company.
They dragged my situation on for to long, costing them addition rental fees, storage fees, etc.. They probably saved a few bucks in the short term but they will pay more, in the long run.
Nobody benefits from this.
So I would just like to say Thanks to those who contributed to this affair. I hope that you never have to go thru what I went thru.
PS
I did buy another vehicle, and now I have to deal with a used vehicle and the problem of what is wrong with it!
Good day
denmic
Posted: Fri Dec 02, 2011 06:42 am Post Subject: question total loss 2008 kia optima
i had a no fault of mine accident, .the bbv. was 9.500.00, the adjuster s had an 8.469.29 damage.i believe this should have been a total loss. iI wasnt offerd any option, they told garage it was not a total loss, fix it. after the work was done,I asked for the company to send an adjuster to make sure all was taken care of. they told me that is only ramdom! my claim policy reads that I have to be available for them to check the work done. they are suppose check the vehicle before it leaves the shop, because there is a release of work completed up to there satisfaction. they did not do any of this. when I called commerce to tell them I wanted someone to look at my car, that there were things wrong, they said go see the the shop who did it and He would determin if it needs more repair. how can they release the car signing a form saying all work was done, if they didn't check it? iI made myself available, at there convience but they again said inspections were random! where do they draw the line of value for it to be considered totaled? please help
Posted: Fri Dec 02, 2011 05:56 pm Post Subject:
If you have a problem with the repairs, the place to begin is the repair shop. That facility is licensed by the state and subject to a variety of laws concerning its workmanship. In California, the agency is the Dept of Consumer Affairs. In your state it may be a similar or different agency. There will be a sign posted in the repair shop telling you to whom you may complain.
If the insurance company sent you to this specific repair shop, then you may ALSO file a complaint with your state's Dept of Insurance in order to obtain their assistance with your claim situation.
where do they draw the line of value for it to be considered totaled?
You can always call the insurance company's claims department and demand to speak to a higher level supervisor about your situation.
Most states' laws PERMIT the insurance company to total the loss on a vehicle when the damage is more than 75% to 80% of the vehicle's value. No state laws REQUIRE an insurer to do so. If the insurance company wants to spend $10,000 on the repairs for a car valued at $2,000, there is nothing (other than good, old-fashioned common sense) to prevent them from doing so. Their policyholders won't like that, since it will negatively affect their future premiums.
Posted: Wed Aug 05, 2009 04:29 am Post Subject: thanks
I understand 3rd party, But thats why I feel I should get a fairer price. What I have seen so far is not fair. For the record, our Dog was in the vehicle, with plenty of witnesses, went it was hit. When I mentioned any pending vet bills, The commerce adjuster laughed, and said they won't pay any vet bills. lucky for our dog and the nice soft seats of the extended cab the poor dog came thru OK, so far. She is still skittish when she gets in a vehicle now. Maybe I should I hire the dog whisperer and bill commerce. The fact that this women laughed, pisses me off and shows the type of people I'm dealing with.
denmic "Still venting"
Posted: Wed Aug 05, 2009 04:35 am Post Subject:
If can shaft somebody out of a few thousand each time, and people don't contest it. Bingo, this amount become a hugh chunk of change. Big bonus for all, some adjusters do recieve these.
Adjusters don't make more money based on incorrectly paying claims. Actually, this usually results in an unfavorable review of the file is audited. Adjuster DO make mistakes though.Let me also mention this... do you know of any business that does not want to spend as little as possible on operating expenses in order to increase their profits? If you know of one... let me know as I want to make sure I don't have stock in the company. Insurance companies are businesses. They also have stock holders who expect the company to make a profit.
I often wonder, if those polices sent people to the grave?
You have not even seen the insurance companies valuation yet. I'd wait until you review it before jumping the gun. Also, a dealer in this economy is only willing to come $200 off their asking price? :shock: Sorry, this just does not agree with what I'm hearing about the deals people are getting on vehicles right now.Posted: Wed Aug 05, 2009 04:41 am Post Subject:
I hire the dog whisperer and bill commerce. The fact that this women laughed, pisses me off and shows the type of people I'm dealing with.
Was your dog injured? Yes or no? If no, and you bring this up in response to an agreeable total loss offer, then how did you expect her to act? Truth is, adjusters hear this kind of stuff all day and every day. When I have someone yelling at me just because they don't agree, I'm going to shut down. When I have a person bring up unrelated non-nonsensical things, I'm not going to put a lot of weight into what they have to say. Call it wrong if you want... I'm just telling it like it is. If I'm speaking to someone and they raise valid points and/or concerns, then I'm going to treat them the same way.denmic "Still venting"
Posted: Wed Aug 05, 2009 04:55 am Post Subject:
Sorry I haven't reply sooner, as I been waiting from the insurance company to ask to see their value.
I'd be looking forward to it..
Adjuster DO make mistakes though.
This is quite the truth. Adjusters do make mistakes and the burden won't always fall on the claimant. The consequences would sometimes be shared by the carrier too!
Posted: Sun Aug 23, 2009 04:46 pm Post Subject: what finally happen
To all
After haggling with the adjuster the final offer was 19,275. At this point I'm burnt out and rather than drag this on for ever, I accepted the offer. I will seek additional out pocket expenses ($432 in cost that they have refused to cover) thru small claims court. What have I got to lose! I will find a new insurance provider for (3) vehicles.
In talking to a car salesman and telling him what I was going thru. He told me he was in the process of buying a new vehicle and was considering Commerce, but not any more.
So as you can tell, word of mouth advertising will cause them to lose more than they saved. I've also heard some very negative comments from people who use to work for the company.
They dragged my situation on for to long, costing them addition rental fees, storage fees, etc.. They probably saved a few bucks in the short term but they will pay more, in the long run.
Nobody benefits from this.
So I would just like to say Thanks to those who contributed to this affair. I hope that you never have to go thru what I went thru.
PS
I did buy another vehicle, and now I have to deal with a used vehicle and the problem of what is wrong with it!
Good day
denmic
Posted: Fri Dec 02, 2011 06:42 am Post Subject: question total loss 2008 kia optima
i had a no fault of mine accident, .the bbv. was 9.500.00, the adjuster s had an 8.469.29 damage.i believe this should have been a total loss. iI wasnt offerd any option, they told garage it was not a total loss, fix it. after the work was done,I asked for the company to send an adjuster to make sure all was taken care of. they told me that is only ramdom! my claim policy reads that I have to be available for them to check the work done. they are suppose check the vehicle before it leaves the shop, because there is a release of work completed up to there satisfaction. they did not do any of this. when I called commerce to tell them I wanted someone to look at my car, that there were things wrong, they said go see the the shop who did it and He would determin if it needs more repair. how can they release the car signing a form saying all work was done, if they didn't check it? iI made myself available, at there convience but they again said inspections were random! where do they draw the line of value for it to be considered totaled? please help
Posted: Fri Dec 02, 2011 05:56 pm Post Subject:
If you have a problem with the repairs, the place to begin is the repair shop. That facility is licensed by the state and subject to a variety of laws concerning its workmanship. In California, the agency is the Dept of Consumer Affairs. In your state it may be a similar or different agency. There will be a sign posted in the repair shop telling you to whom you may complain.
If the insurance company sent you to this specific repair shop, then you may ALSO file a complaint with your state's Dept of Insurance in order to obtain their assistance with your claim situation.
where do they draw the line of value for it to be considered totaled?
You can always call the insurance company's claims department and demand to speak to a higher level supervisor about your situation.
Most states' laws PERMIT the insurance company to total the loss on a vehicle when the damage is more than 75% to 80% of the vehicle's value. No state laws REQUIRE an insurer to do so. If the insurance company wants to spend $10,000 on the repairs for a car valued at $2,000, there is nothing (other than good, old-fashioned common sense) to prevent them from doing so. Their policyholders won't like that, since it will negatively affect their future premiums.
Add your comment