Post # 1
I’m putting this in legal because I’m not sure where insurance questions/rants should go…mods if you feel like there is a better place, please move my thread over. 🙂
I think I must be an idiot. Insurance is in my name, and I placed one of my vehicles on a lesser premium to park it for the the winter. Due to the vehicle being parked in the small parking lot of my apartment building, the insurance customer service person I spoke with on the phone, said that most people only put comprehensive insurance on their vehicle if they are letting it sit. It doesn’t need liability and should be ‘just fine’ for the winter parked there.
Well, all hell broke loose last weekend when my new neighbour crunched into the front of the car with her uhaul truck. The damage isn’t extensive – but I cannot afford to fix it at the moment. I’m not covered under collision and basically because of that and that I don’t have liability on my PARKED car, there is nothing my insurance company will do for me. They won’t even contact the other person’s insurer.
I will fully admit that I should have researched this more and asked way more questions, up until a couple of years ago, I didn’t have a car on my own. I guess I did not expect this specific scenario to occur. But I find it odd that my insurer won’t contact the driver of the uhaul’s insurer and ask what coverage they had on it, as it was admitted at the time that it was her fault completely.
When i was rear ended a couple years back (in a different car) for example, I didn’t have the coverage for a rental vehicle on my policy (but did have collision), but because the other driver was at fault, they contacted them and they covered the cost of the rental car until mine was fixed.
So what are my next steps? I contacted the driver’s insurer myself and was told that my adjustor from my insurance company would contact me. That hasn’t happened, so I have called back and been told the same thing over and over again.
I am so frustrated. I want to cry.
Post # 3
@jlc3: I worked in insurance for a few years. Here in California when you don’t have the coverage for the accident (in your case collision) there’s no claim to be made with your own insurer because you aren’t paying for collision coverage. You will have to work directly with the insurance company of the responsible driver. How many days has it been since the accident? I think adjustors usually take 2-3 business days to contact the registered owner. If its been longer than that I’d consider asking who the adjustor’s supervisor is and going directly to them. Its a sucky situation to be in. Best of luck to you!
Post # 4
@jlc3: Well, typically an insurer isn’t going to do more than they have to…although its pretty sad since you are a customer and claims are the ONLY time they can show you where your money is going.
Either way, you can totally do this on your own, keep calling, call every day, call twice a day, be ANNOYING…have your estimate to repair the car ready, make sure to get the phone number and e-mail of whoever is handling your claim AND a claim number.
Once you get the estimate to them, go back to being annoying, call all the freaking time, until you get the go ahead to get your car repaired, its easier if they pay the shop directly, any way you cut it, they’ll send you some paperwork accepting liability, and more for you to sign once they’re ready to repair your car.
You have to be your own advocate if your insurance carrier won’t, I do this for a living, and you just can’t stop until you get what you want from them.
Post # 5
They won’t even contact the other person’s insurer.
This is YOUR duty to do this. Should be covered at 100% by the other party. Unless you have an excellent exclusive agent, it is NOT your insurance companies job to do this for you.
PS–Always ALWAYS have FTC and COLL Deds on your policy…and PDUM when possible.
Post # 6
@veryberry13: PS Whoever rented the uHual likely had to purchase insurance through Uhaul or transfer over their insurance for the day to use that uHaul. Whoever was driving would NOT have been allowed to have rented the vehicle without insurance.
Take 10 minutes, file a claim with the other carrier, and it’ll be taken care of. You got lucky though, and I would add COLL (collision) and PDUM (Property Damage Unisured Motorist) ASAP. Because next time, you might not be so lucky if someone decides to leave the scene of the accident!!
Post # 7
@ThePrincessBride10612: thank you! I wasn’t sure if I should go over the other insurer’s head to speak to a manager/supervisor – but that will be the very first call I make tomorrow morning when they open at 8 am.
@Nona99: I will do just that. Thank you for your advice. I have to get the estimate faxed over, and I really hope once I do that – it’ll make it easier to keep calling and forcing them to open up my file and push things forward.
@veryberry13: Thanks for the info – I feel pretty dumb because I didn’t realize that until now. I did file a claim with the other insurer (the other driver got the damage waiver/insurance through uHaul and I have all the information/policy number/accident report through uhaul #, etc). The uHaul insurer gave me a claim number and I have the adjustor’s name and info. I’ve called them a few times now and got a “I’ll contact you or your insurance adjustor will”. I’ve tried to explain that it’s me they need to be talking to but they keep giving me the slough off. I did get lucky this time around – and I am putting collision and the PDUM back on tomorrow.
Thanks bees for your advice – I’m going to keep on it and push for a solution.
Post # 8
@jlc3: Hey I’m not sure where you are…
BUT claims is CRAZY right now because of the winter storm that just hit the midwest and east coast. (I work in Claims, dealing with adjusting claims like this EVERYDAY)
Normal contact time is 1 business day. What company?
Post # 9
@veryberry13: just pm’d you. Yeah – I’m in Ontario, near Toronto. But the other company is from the states.
Post # 10
Definitely keep pushing, comprehensive is just best when it’s in a garage.
Let us know how you make out!