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View Diary: My Car Insurance Company Tried to Screw Me Post-Sandy. I Beat Them. (104 comments)

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  •  You have to report it by law and, in my case, (8+ / 0-)

    there was a kid that had to be cut out of a vehicle that was brain injured so there were police, ambulances and machinery everywhere. Hardly a little bump you just walk away from.

    Secondly, if the other person is uninsured, my insurance has to cover it.

    Thirdly, my company is supposed to work with their company to get it handled. I'm not supposed to be stuck in the middle of that.

    202-224-3121 to Congress in D.C. USE it! You can tell how big a person is by what it takes to discourage them. "We're not perfect, but they're nuts."--Barney Frank 01/02/2012

    by cany on Mon Dec 03, 2012 at 06:02:20 PM PST

    [ Parent ]

    •  I understand about un/under-insured (1+ / 0-)
      Recommended by:
      Mets102

      And the report, but normally when the other guy is at fault, your insurer doesn't owe you anything.

      It is common for your insurer to pay for collision (body damage) losses (if you have that coverage) and then subrogate, but it is often better to go directly to the other insurer if there is no question of liability. Your insurer will only handle the collision loss. They don't handle any other loss you might have as a result of the crash.

      The GOP is the party of mammon. They mock what Jesus taught.

      by freelunch on Mon Dec 03, 2012 at 06:20:28 PM PST

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      •  We sued my insurance co, and I was carrying (4+ / 0-)
        Recommended by:
        Mets102, freelunch, Tonedevil, Philpm

        uninsured motorists insurance, which I ALWAYS carry. The only thing I neglected to insure myself for was a rental. I should have done that. I had to borrow a car for six months while everything went through court.

        202-224-3121 to Congress in D.C. USE it! You can tell how big a person is by what it takes to discourage them. "We're not perfect, but they're nuts."--Barney Frank 01/02/2012

        by cany on Mon Dec 03, 2012 at 06:24:25 PM PST

        [ Parent ]

        •  I assume there was no other insurance company? (2+ / 0-)
          Recommended by:
          Mets102, cany

          Un-/under- can be a real pain in many places.

          The GOP is the party of mammon. They mock what Jesus taught.

          by freelunch on Mon Dec 03, 2012 at 06:35:37 PM PST

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          •  There was something going on between my company (1+ / 0-)
            Recommended by:
            Philpm

            and the owners of the vehicle (the kid was not covered) and I believe they ended up taking the family to court. It was a horrible situation for that family. I don't really know what happened there.

            When the accident happened, the mom was in the hospital extremely ill with a heart problem and didn't know her son lay in a coma in another hospital. What a mess.

            202-224-3121 to Congress in D.C. USE it! You can tell how big a person is by what it takes to discourage them. "We're not perfect, but they're nuts."--Barney Frank 01/02/2012

            by cany on Mon Dec 03, 2012 at 07:01:36 PM PST

            [ Parent ]

      •  Wait a minute (0+ / 0-)

        I've had several claims, some where I was at fault, some where the other driver was.  In every case my insurance company handled my end of it and paid me or paid the repair shop.  That's how it works under no-fault insurance in California.  In the cases where I was not at fault, the deductible did not apply, the cases where it was, it did.

        That's the point of no-fault.  Each insurance company handles its clients and then they work it out, in or out of court, among themselves.  Much better for the customers then having to deal with an insurance company that doesn't have a relationship with you.

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