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Question about car insurance claims
shmokes:
Well, I'm not especially concerned about posting in this public forum. I just don't think it especially likely that they're going to get an investigator to figure out what internet personas I have, and see if I've talked about my car on any public forums, considering we're talking about a small claim against my own insurance. However, I already called the insurance company earlier today. I just told them it happened last summer and they didn't act like that was strange at all. Just gave me a claim number and one of their approved body shops are going to give me a call to schedule an appointment.
So hopefully it's a non-issue. She said that, while an adjuster won't have to come out, since I'll be going to one of their "guaranteed" body shops, I'll still get a call from an adjuster to get more info about it, so unless something ---smurfy--- happens there I should be in good shape.
koolmoecraig:
Right on man!
shardian:
...You're gonna suck as a defense lawyer. Better go with prosecution.
:laugh2: :laugh2:
CheffoJeffo:
--- Quote from: koolmoecraig on February 22, 2008, 05:55:05 pm ---
--- 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.
--- End quote ---
YOU said F' the insurance company ... I merely point out that F'ing the insurance company is actually F'ing everybody.
If he is not F'ing the insurance company (you seem to have conveniently taken both sides on this issue -- is that due to a lack of comprehension or merely so that you can argue with more people), then he is not F'ing anybody.
I never said that he was F'ing anybody -- you said that.
:dunno
Alibenn:
hey guys
my brother built his own MAME cabinet, saw this thread and asked me to respond, bc i have been an insurance adjuster for last 9 years.
the answer is: report it, its covered. as long as your policy was in force at time of impact.
if it happened 2 years ago, and now you have the money for deductable its fine, no problem.
when you call in the claim have an exact date of loss.
say that you "did not think it was that bad until i got an estimate from a bodyshop."
"i hung it up to keep from dragging." (this proves that you tried to mitigate your dmgs)
believe me, the adjusters have 50-75 other claims to work, and an one car crash with a tire with no injuries is an easy claim. besides the dmg is probally around $1k(small amout)
(think of 2 car accident, both cars are 2008 BMW's, both are totaled, ($100k claim)
the real trick is saying what happened.
its the difference of your rates going up(at fault accident) or stay the same(not at fault accident)
the way you described the axx(accident), "you ran over a piece of tire, and tried to avoid but hit it"
this is an AT FAULT axx.....covered under COLLISION coverage..........rates go up.
if you say: "driving down highway, saw a semi trailer rear tire come apart in front of me, the re-tread flew off, bounced off ground and then struck my car in the front. i could not see the dirty trailer license plate. i really did not think it was that bad and kept on driving."
this is a NOT AT FAULT axx....covered under COMPREHENSIVE coverage.......rates do not go up
keep it simple, say the above, and answer adjuster's questions. if you don't know the answer, say i don't know or i did not think about that at the time.
hope this helps
feel free to email me if you have other questions
pretty straight forward
good luck
steven
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