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eftychia: Me in poufy shirt, kilt, and Darth Vader mask, playing a bouzouki (vader)
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Car Lack-of-News

posted by [personal profile] eftychia at 11:22pm on 2007-02-26 under

Argh. My insurance company said I had to bug the other car's owner's insurance company, and if they said they weren't covering damage to cars that car struck because it was stolen, then I'm supposed to get back to my insurance company and have them process it as an unisured motorist claim (in which case I'll have a large deductible to cover).

When I called the other insurance company, they gave me the name and phone number of the person and office handling this case.

He's not returning my calls. So I'm in limbo. *grrr*

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There are 7 comments on this entry. (Reply.)
 

(no subject)

posted by [identity profile] scruffycritter.livejournal.com at 05:24am on 2007-02-27
Remember this:

Insurance companies don't determine liability. They only determine what they want to pay for. So expect the other guy's insurance to say the car was stolen because they don't have to cover the thief.

The thing is, the "thief" "took the car" using the car-keys that belonged to the owner, right? This means he "had access to the car" and it's an important buzz-phrase.

Car-insurance companies have problems insuring people who live with licensed drivers but who swear, "Oh No! They won't drive the car! Honest". The reason is: they're covered by the insurance if they are ever lent the car, and you know they will be.

And you know the thief is going to say he was lent the car so he can get off on the stolen vehicle. If he was lent the car before, then it's case closed.

And even if it's not, youre not so much as paying a deductible as much as youre just fronting it until the correct bastard gets sued by your insurance company and get reimbursed.
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(no subject)

posted by [identity profile] skreidle.livejournal.com at 06:54am on 2007-02-27
The hell? Part of the insurance company's job is to be your advocate--not sending you to the wolves with a nice steak.
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(no subject)

posted by [identity profile] jmax315.livejournal.com at 07:55am on 2007-02-27
Insurance companies are never, ever your advocate. At best, they sometimes push your side of things if it looks like that's their cheapest way to close the matter.
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(no subject)

posted by [identity profile] skreidle.livejournal.com at 04:42pm on 2007-02-27
At times, advocacy overlaps, since pushing your side is generally cheapest for them--so they ask you not to admit anything, and they let their legal folks speak on your/their behalf.
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ext_97617: puffin (Default)

(no subject)

posted by [identity profile] stori-lundi.livejournal.com at 11:21am on 2007-02-27
Call them again...hourly if need be. Then go to the Better Business Bureau and report them. You pay them money to handle things like this for you. And once it's done, switch insurance companies. This is crap.
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(no subject)

posted by [identity profile] herveus.livejournal.com at 12:30pm on 2007-02-27
Pester the other insurance company. If the person alleged to be handling this case won't call back, insist that they get you to someone who will talk to you. The state insurance commission (or whatever they call it) might be another place to escalate to.
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(no subject)

posted by [identity profile] dptwisted.livejournal.com at 12:31am on 2007-02-28
Considered the Evil Attorney option?
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