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Question about car insurance claims
shardian:
--- Quote from: shmokes on February 22, 2008, 04:41:47 pm ---Finally find the notice section of my policy. It merely says that I must notify them as soon as possible. It would be tough to make the case that seven months later was the earliest possible time I could have notified them.
--- End quote ---
Did I mention cross-country move AND law school?
hyiu:
If you ask me, I would say when you call, do not lie...
(in general... when you're not lying... you would sound more confident... and people who are in these business... police... insurance... they deal with these every day... and some of them instinctively know whether you're BS or not...)
and if they know you're BS-ing them.... they can make you run thru hoops....
and if you're truthful about it, and they give you a hard time... you might as well get another insurance company...
like the others said... tell them this thing happened a few months ago, and you forgot the exact date. you're in the middle of all these... move... school... something comes up in the family... which are all truth... now things settled down, and you would like to see if you can claim it..
and its just a cosmetic thing... so, you put it off until now....
and ask to see what can be done.
for $750 (or even if its a little more...)
its not worth your integrity.
but if we're talking about an amount that is good enough for both you and me to retire for life.... then.... hmmm.....
give me a call, and I'll be your witness.... haa haa haaa......
;)
koolmoecraig:
--- Quote from: CheffoJeffo on February 22, 2008, 03:10:05 pm ---
--- Quote from: koolmoecraig on February 22, 2008, 02:47:46 pm ---F the insurance company!
--- End quote ---
Yeah, 'coz you know that they're the ones taking the cost. It's not like they simply adjust class rates so everybody has to pay.
What you really mean, KMC, is "F the rest of us".
You many know funny and you may know asterisks, but you sure don't know squat about business or risk management.
--- End quote ---
How is that "F'ing the rest of us"? He HAS insurance, he HAD insurance, he just couldn't afford the deductible AT THE TIME. Is the insurance company going to pay for something that they wouldn't have otherwise? He didn't stage a fake accident or anything. He couldn't afford it.
What you are saying is screw him since he didn't have the deductible money at the time of the accident. How compassionate of you!
He didn't have $250(which is a relatively low deductible). Things must have really been tough for him. He should basically be punished for that????
Nice side you've chosen.
ChadTower:
There is another option. Find an independent body shop and ask their advice. A lot of them have working the insurance companies down to an art form. Get the right one and you'll never pay a deductible - it's built into their damage estimate. Ever have an auto body shop file a supplemental charge because of "damage that was initially hidden"? That's how that happens most of the time. Your $2000 of body damage "was hiding another $1200 of frame damage".
If you really want to know what an adjustor is going to say about your damage ask the body shop guy.
saint:
1. An inspector will likely look at the car, and possibly be able to tell from weathering that it is an old accident.
2. You've posted this in a public forum that is probably archived by now in one or another places.
3. Insurance fraud is a bad thing.
==
Lying about this would be a stupid move. Tell them the truth and hope for the best.
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