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The Water Cooler
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Insurance help.
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<blockquote data-quote="turkeyrun" data-source="post: 4149973" data-attributes="member: 27991"><p>May be hard to follow. Weird situation.</p><p></p><p>Bought Wif a new car, '95 Crown Vic. Had it less than a month. She was at red light, had just dropped kids at school, it was raining. Opposing light turned yellow, lady in a Suburban, speeding, slams on brakes, tries to make right turn to school and t-bones my car.</p><p></p><p>Po-po tickets Suburban driver. 2 witnesses, at light, behind Wif. Get witnesses names, insurance info from other driver.</p><p></p><p>Other driver was receptionist, at insurance agent, same agent we had been with for 12 years.</p><p></p><p>Called in claim, Farmers says to file on MY insurance, she said accident wasn't her fault. Gave my policy number and was told, "get a lawyer, good luck."</p><p></p><p>Went agent, he repeated, "get a lawyer, nothing he could do."</p><p></p><p>Hired a lawyer. He sent Wif to Dr and Chiropractor.</p><p>Tried to get rental car. Insurance refused, "because I wasn't reasonable or willing to work with them, since I hired a lawyer." Wif was doing outside sales, had to have a car. She averaged 1000+ miles per week</p><p></p><p>Called lawyer. Lawyer covered the rental and added to claim. Farmers demanded repair, would not total. </p><p>Took dealer 18 weeks to make repairs, mostly waiting on parts. Lawyer would only allow OEM parts, with proof, he approved storage fees.. </p><p></p><p>Never a word from agent or Farmers, until repairs were completed.</p><p>1 hour after I picked up car, agent called on return of rental. </p><p>3 days after, insurance renewal, tripled in price. I had already found new insurance. Wrote KMA on invoice and sent back.</p><p></p><p>2 weeks later, Lawyer sent my settlement check, Paid invoice. Farmers paid everything.</p><p></p><p>Agent closed office and left town.</p><p></p><p>I have no idea what the total settlement was. I paid off car and had a little left. Rental was paid, plus excess miles. Lawyer was paid. </p><p></p><p>Figured i would have to trade in. Couldn't find any problems. Drove that car for 248k miles. Gave to daughter, she drove it 2 years. It was never in a shop, again.</p></blockquote><p></p>
[QUOTE="turkeyrun, post: 4149973, member: 27991"] May be hard to follow. Weird situation. Bought Wif a new car, '95 Crown Vic. Had it less than a month. She was at red light, had just dropped kids at school, it was raining. Opposing light turned yellow, lady in a Suburban, speeding, slams on brakes, tries to make right turn to school and t-bones my car. Po-po tickets Suburban driver. 2 witnesses, at light, behind Wif. Get witnesses names, insurance info from other driver. Other driver was receptionist, at insurance agent, same agent we had been with for 12 years. Called in claim, Farmers says to file on MY insurance, she said accident wasn't her fault. Gave my policy number and was told, "get a lawyer, good luck." Went agent, he repeated, "get a lawyer, nothing he could do." Hired a lawyer. He sent Wif to Dr and Chiropractor. Tried to get rental car. Insurance refused, "because I wasn't reasonable or willing to work with them, since I hired a lawyer." Wif was doing outside sales, had to have a car. She averaged 1000+ miles per week Called lawyer. Lawyer covered the rental and added to claim. Farmers demanded repair, would not total. Took dealer 18 weeks to make repairs, mostly waiting on parts. Lawyer would only allow OEM parts, with proof, he approved storage fees.. Never a word from agent or Farmers, until repairs were completed. 1 hour after I picked up car, agent called on return of rental. 3 days after, insurance renewal, tripled in price. I had already found new insurance. Wrote KMA on invoice and sent back. 2 weeks later, Lawyer sent my settlement check, Paid invoice. Farmers paid everything. Agent closed office and left town. I have no idea what the total settlement was. I paid off car and had a little left. Rental was paid, plus excess miles. Lawyer was paid. Figured i would have to trade in. Couldn't find any problems. Drove that car for 248k miles. Gave to daughter, she drove it 2 years. It was never in a shop, again. [/QUOTE]
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