Post # 1
Member
3082 posts
Sugar bee
I’m being overly emotional about this right now, but I am so frustrated and fed up. Earlier this month I was at a red light and someone rear ended me. It took the insurance company over a week to send the adjuster to look at my car. There was over $8000 worth of damage to the bumper and under carriage. So it wasn’t just a simple dented bumper fender bender.
I am currently in a rental, provided by the insurance company. Because it took the adjuster over a week to come, the body shop couldn’t do any work on my car because he needed to take pictures for insurance purposes. My car won’t be ready until the 11th. I called up and they said they will only give me the rental until the 8th because that’s when the 30 days are up.
First, I just feel like this whole thing wasn’t my fault. It’s not my fault some d-bag was speeding and didn’t pay attention to the red light and hit me. It’s not my fault that the insurance company took over a week to finally send the adjuster. It’s not my fault that the accident occurred during Christmas and New Years so the shop took time off. It’s just such bullshit. I’m happy that thank god I wasn’t seriously hurt, but I am so tired of dealing with this and I just want my car back.
Post # 3
Member
4272 posts
Honey bee
@FoxyBride14: I am sorry you had a terrible experience. Even if the accident was not your fault, dealing with the insurance company can be a hassle, especially at this time of year. Feel free though to start looking at different insurance companies once this is all settled.
Post # 4
Member
3082 posts
Sugar bee
@Cady: it’s not my insurance company. Since the accident wasn’t my fault, his insurance company took 100% liability so I went through them. Thanks though. I almost wish I went through the red light and got a ticket lol
Post # 5
Member
3718 posts
Sugar bee
I’m sorry! I completely understand the stress. I ran my car up a cliff on Christmas and was lucky enough to have amazing insurance adjusters/claims people, but it being over Christmas and out of state is making this an expensive, difficult mess. It was impossible to get a rental car on insurance on Christmas day and the amount of effort it took to work with my insurance and the rental car to get the rental car paid for was a nightmare.
In the short term, I am assuming you need a car from the 8th to the 11th? That is far enough away that I am sure you can get a cheap rental. You might want to look at a whole week rental. They tend to be cheaper. I would also call up the insurance agent an explain that because of the delay in getting pictures for the adjuster, the car is going to take more than 30 days. IS there any way they can extend your rental?
Post # 6
Member
4272 posts
Honey bee
@FoxyBride14: Ah okay sorry. I misunderstood. Well its good that you are covered at least…
Post # 7
Member
3082 posts
Sugar bee
@Pollywog: I have to get to work, so I do need the car. I’m going to wait until the end of next week and see where my car is in the whole fixing department. The body shop guy said that I geico or enterprise give me a hard time that I can have him deal with them. So I might go that route.
Post # 8
Member
5956 posts
Bee Keeper
…if the other driver was at fault, and his insurance company took 100% liablity, there should not be a time limit on the rental, since it was their delay in adjustment that has extended your need for it to the 11th. I’d call over there and ask for a supervisor, because that makes NO sense!
Post # 9
Member
1460 posts
Bumble bee
@FoxyBride14: You can actually contact your insurance company and have them talk to the other driver’s insurance company. Maybe they can work something out on the rental car. Call you agent and see what they can do.
Also, don’t sign anything from the other driver’s insurance company. When you sell/trade your car the value will be diminished because of the damage. That insurance company is legally required to reimburse you for that diminished value.
Post # 10
Member
3082 posts
Sugar bee
@OctBride-2012: thanks for that information! I did not know that. But it is true.
@Nona99: yea, that’s going to be my next step. The lady was bitchy to me on the phone too. She was like I’m sorry but there’s nothing that can be done. We have the 30 days for that reason. But next time I call I will ask for a supervisor.
Post # 11
Member
718 posts
Busy bee
My entire rental (over 2 months) from my last accident was 100% covered by the other insurance company. Mind you I had to pay out of pocket up front and harass Allstate (crap company) for over a month to get a check for the $700 rental, but they did pay it in the end. They should cover everything you need. Your insurance agent might know more about it.
Post # 12
Member
11271 posts
Sugar Beekeeper
@FoxyBride14: call the insurance company. tell them that since it took a week for the adjuster to come out, you believe it would be fair for them to extend the car rental for a week. don’t necessarily “ask”. you should make a strong “suggestion”. talk to the supervisor if they can’t make it happen.
this happened to my son and he got them to extend the car rental coverage until the car was fixed.
Post # 13
Member
3082 posts
Sugar bee
@lizardloo: ok thanks. I feel a little better now. I guess I am just going to have to deal with more phone calls and everything while I wait. It’s so frustrating getting into an accident.
Post # 15
Member
3082 posts
Sugar bee
@mypinkshoes: ah ok. And he didn’t have to pay anything? I will do that then. I think that I need to be more forceful on the phone when I talk to these people.
Post # 16
Member
622 posts
Busy bee
my car got hit last year on Dec 13th they gave me a rental and i told them i wasn’t bringing back the rental until my car was ready. they didn’t really fight me on that. my car took a month to fix and i got my car back january 11th, 4 days before i got married. what a mess!!!!
