Most liked posts in thread: A Big Thanks

I would say that Neil is just back in the game as his CFR valve has been adjusted :ihih: :ihih:

 

Earth to Steve......are you there?

 

Chief, this would be a great look for the front end of your car.

 

Crappy, crappy day. Weekend started off great with John and Suzie (good people) hooking Katie and I up, but then it all went downhill. Katie got into a low speed fender bender with her Honda, no injuries, other persons fault. Police were nearby, but didn't do anything other than tell everybody to exchange info and then left. Called ins. and filed a claim, they tell us our options

1. let our insurance fix the car minus deductible and they will try to get money from other insurance company.

2. we call and talk to other ins. company to try and get car fixed.

neither of these options is acceptable to me, I pay and pay so I shouldn't have to do anything other than give my ins. the info and then they tell me where to get it fixed. I'm getting madder and madder at them, but my agent is off today so I have to wait until tomorrow to yell at him. If they don't fix this right I'll be looking for new insurance company.
Calgon take me away :incazzato:

Neil

 

Sorry to hear about that just glad that everyone is ok. Last word I got was that she was still giggling over the trip this weekend think about her reaction when we did the high five after the tour

 

It might be time to find a better agent. I have USAA and they are very good:beer

 

+1 on USAA

 

Hey Neil, you shouldn't have to any leg work for repairs to your vehicle. That's why you pay premiums! Many moons ago, I had one of the subcontracted insurance companies, and I was involved in a traffic collision. My agent gave me list of "to do's" in order to get my vehicle properly repaired. Being a younger chap at the time, my pops gave me some stern advice, and in return I called my insurance agent. Needless to say, he took care of everything from then on.
Regarding the officer taking a report, it depends on the agency's policy. For instance, Fresno PD won't take a report unless theres injuries, DUI involved, or city vehicle involved.
Sorry to hear about your situation, and good luck.

 

For all the ladies in the club you can now Louis Vuitton your MINI! :ihih:

 

Steve, well in looks like all we're waiting on is the Fidanza friction plate. When I placed the order, they said it would take 3-4 weeks for delivery. So, hopefully it comes in this week so I can baby or tow the MINI to the shop next Monday.

 

Cubby,
If no report is taken, then how do you handle "whos at fault"? With no witnesses it comes down to "he said--she said". Then everybody has to fix their own vehicle, even if not a fault. Correct?

As far as my agent, I don't know if he even knows about the claim. It happened on a holiday weekend and he didn't work on Monday, so I'm giving him some leeway until I talk to him. He should take care of everything or else it is "on like donkey kong":incazzato:

Neil

 

Well, when an officer responds to the scene of a collision, he/she can determine who was at fault with vehicle placement. If both vehicles are moved, after the collision, and prior to the officer's arrival, it comes to what you said,"he said-she said."
What should take place after both insurance agents are contacted, they'll interview both drivers and any witnesses if possible. Then they'll get together and determine who was at fault. Basically what the officer would have end up doing anyways. Thats why most departments have implemented the policy not to write collision reports unless they meet the criteria I mentioned before. Usually, the officer responds, to a non-injury collision, and runs each driver's license status, and confirm the vehicle's registration and insurance is current.
Hope that helps,
Teddy G.

 

Yep, that is pretty much what happened. Thanks.

Neil

 

Neil, I also like to say,"It's on like Donkey Kong, and King Kong ain't got $h*t on me!".....tell that to your agent!

 

Sorry this all happed to you Neil. I have been handling insurance claims for 30 years. Your agent will be clueless when you call because the call went to the claims call center (not your agent). The information you received from the claims call center is generic. They are not claims adjusters (and neither is your agent). Do not expect your agent to handle the claim for you. It is going to take 2-3 days for the claim to get to an adjuster before they can start an investigation. If you are in a hurry to get the car repaired, then you should go through your own company, pay the deductible and let them collect everything back, including your deductible. The other carrier may even advance your deductible to you if their insured cops to being at fault. If not, then you might have a fight on your hands. You can call me for any advice. j.

 

+2 for USAA

 

Janet,
Thanks very much for the info, this is all new to me so any info is appreciated. What you said makes sense with what is going on, other insurance company called us and got the info and said we should hear something by end of the week.

Neil

 

Sitting back watching this thread its really nice to see the different sides come out. From Law Enforcement to Insurance Rep's along with a whole lot of friends that just care that the victim is taken care of even if she was not driving a real car :incazzato: