A Big Thanks

Discussion in 'MidCal MINIs' started by SRTech, Sep 18, 2010.

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  1. jiminni

    jiminni Well-Known Member

    May 7, 2009
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    Earth to Steve......are you there?
     
  2. SRTech

    SRTech Club Coordinator

    Aug 30, 2009
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    Mini Cooper Service & Repair
    Oakhurst, CA
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    I be here. What's up? What's this about a thermostat gasket?

    Steve
     
  3. Fracky

    Fracky Club Coordinator

    Apr 6, 2010
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    Chief, this would be a great look for the front end of your car.

    [​IMG]
     
  4. fizgigg

    fizgigg New Member
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    Apr 25, 2010
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    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
     
  5. Tron Chief

    Tron Chief "Need More Coffee"
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    Sep 18, 2010
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    Maintenance Supervisor Del Monte, retired 30 year
    Lemoore California
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    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 :D:D
     
  6. nyricanintx58

    nyricanintx58 New Member
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    Apr 20, 2010
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    Super HouseMan
    St. Pete, Florida
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    It might be time to find a better agent. I have USAA and they are very good:beer
     
  7. Tron Chief

    Tron Chief "Need More Coffee"
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    Sep 18, 2010
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    Maintenance Supervisor Del Monte, retired 30 year
    Lemoore California
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    +1 on USAA
     
  8. Cubby

    Cubby Member

    Sep 18, 2010
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    Clovis, CA
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    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.
     
  9. Fracky

    Fracky Club Coordinator

    Apr 6, 2010
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    For all the ladies in the club you can now Louis Vuitton your MINI! :ihih:

    [​IMG]
     
  10. Cubby

    Cubby Member

    Sep 18, 2010
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    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.
     
  11. fizgigg

    fizgigg New Member
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    Apr 25, 2010
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    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
     
  12. SRTech

    SRTech Club Coordinator

    Aug 30, 2009
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    Mini Cooper Service & Repair
    Oakhurst, CA
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    Hopefully it will come but you know what happens to shipments this time of year.

    Steve
     
  13. Cubby

    Cubby Member

    Sep 18, 2010
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    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.
     
  14. fizgigg

    fizgigg New Member
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    Apr 25, 2010
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    Yep, that is pretty much what happened. Thanks.

    Neil
     
  15. Cubby

    Cubby Member

    Sep 18, 2010
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    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!:D
     
  16. Mrs Jiminni

    Mrs Jiminni New Member

    Oct 12, 2010
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    Insurance Claims
    California
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    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.
     
  17. minichef

    minichef New Member

    Nov 25, 2009
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    +2 for USAA:Thumbsup:
     
  18. fizgigg

    fizgigg New Member
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    Apr 25, 2010
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    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
     
  19. Tron Chief

    Tron Chief "Need More Coffee"
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    Sep 18, 2010
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    #439 Tron Chief, Nov 30, 2010
    Last edited: Nov 30, 2010
    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:
     
  20. fizgigg

    fizgigg New Member
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    Apr 25, 2010
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    Oooooh John, she saw that. giving you the stink eye right now:p
     

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