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Feb 07, 2002 (3:53 pm)
This topic will be your opportunity to ask a real auto claims adjuster any questions you want about your accident and injury. Heck I might be able to help you for free instead of in attorney.
E-mail me miagarfunklehotmail.com with any lengthy questions.
Feb 08, 2002 (6:10 am)
I work for Prudential in New York City area. What about yourself, are you a multi-line property examiner or BI rep?
#3 of 5338 Looking for some professional advice
Feb 08, 2002 (1:26 pm)
I recently got in a small car accident. I don't know who is at fault yet, I have spoke with my adjuster but she did not want to listen to me at all it was very odd because I'm close to my insurance agent, he's my future father-in-law. She gave me a number to call the other party's adjuster and tell them what happen. I really just like a professional opinion before I call the other adjuster.
Here's the how the accident happen -
We were driving on a 5 lane freeway. At the upcoming exit the Number 5 lane got off at the exit with the choose for the number 4 lane to get off or to stay on the freeway. We were in the number 4 lane at very slow speed, mostly stop and go. With the number 5 lane going about 20 mph. The car in front of me had been trying to get into the #5 lane for about 1/2 mile. Finally as we were almost at the exit there was room for her to change lane's. She moves 80% into the #5 lane, traffic goes from probably 15mph to dead stop in the #4 lane. At the last minute she decides not to change lanes, and comes back over to the #4. My right front light is scratched and my hood is messed up, with damage to my right front fender from the pressure. Here left back bumper is scratched.
( Just for irony - about 2 miles before this exit I had to bring #4 lane to a complete stop to let her in because I felt bad that she couldn't get over)
Thanks for any advice you can give,
Feb 08, 2002 (6:35 pm)
It depends on what state you live in but the fact that the other lady moved 80% into the other lane means that she had more possession of the other lane then the lane she was oringinally in which is your #4 lane. When she decided at the last minute to move back into your lane you would have had the right of way as you had full possession of your lane. The other lady would have the duty to watch for other traffic before changing lanes again. In this situation if the other driver did not signal her intention to move back into the other lane which was the 4 lane, then depending on your speed and whether or not this lady had sufficient room to take possession of your lane again I would more then likely have to rule in your favor and find the other lady at fault. First of all the fact that your right headlight and hood are damaged and the left rear of her car is damaged shows that she didn't fully get back into your lane. If the damage was middle of her rear to the middle of your front basically dead on then without a witness and if she didn't get cited then you would be at fault as it would be very hard to prove otherwise. In this situation I would call your adjuster not your agent as agents know nothing about fault they just sell insurance. You need to speak with the person handling your claim. The point of impact is in your favor definitely. If the other lady was cited for in unsafe lane change that is also a point for you. Make sure that you tell your adjuster and any other insurance company that calls you exactly what you told me and also make sure they know that you slammed on your brakes to avoid the accident even if you didn't. If I was your insurance adjuster I would deny liability and if the other insurance carrier would not agree then I would arbitrate it. Any other questions just ask.
Feb 08, 2002 (6:38 pm)
I work for Progressive and handle property damage and bodily injury. At Progressive we are heavily trained to handle all injuries with the exception of atty repped which go to an extended handler. I write estimates and handle coverage and liability.
#6 of 5338 Thanks for your help
Feb 11, 2002 (6:48 am)
I did lock my brakes up. I really think writing the accident down helped me.
It happened so fast. I live in California. Thanks for your advice, I know I can call the adjuster now.
I'll come back and let you know how it ended up.
Feb 13, 2002 (7:00 am)
I feel sorry for you, I hear Progressive is tough to work for, I've heard horror stories from other collegues. I work for Prudential, and when I go into collision shops they think I say Progressive at first (partly because they sound similar) but mostly because they all seem to hate having to deal with Progressive appraisers. It can't be coincidence either has it happens to often. I always hear that your sups don't allow for many of the commonly accepted repair procedures and try to pass of payment on paint and materials as tools and not pay the hourly charge on them, etc. I can understand not wanting to over pay on something, but when a company takes absolute measures to pay as little as possible eventually their own customers will realize and try to locate other insurance. I have close co-workers who work in an agency (and I help them alot parttime) rating new business and Progressive is one of the companies we have to use. They are the most expensive, and usually only the poorer risks only qualify for that insurance. NOT STATING YOU ARE A BAD PERSON, NO WAY, just that I have heard so many poor things about having to work for Progressive, do you have any other experience with other companies, and if so how do you rate?
Feb 13, 2002 (7:28 pm)
Progressive doesn't pay to little on supps or initial estimates what we do is require a person to go out to the shop to justify the supp damage.
If a shop calls and wants a 1000 supp I would go out and be able to eliminate about half of it and the car would still get fixed correctly. Basically we don't take a shops word for anything.
We don't like to be screwed and we investigate everything fully. Why is it that all other insurance companies constantly seek Progressive reps to work for them. Is it because we are the best trained reps in the industry as we handle everything ourselves and do not have specialized adjusters for everything. Also I have dealt with most other insurance companies and have found that most have experienced adjusters but the companies suck and the policys suck. For example I recently redlined a subrogation demand from state farm and they had the insured vehicle fixed at one of there preferred shops who wrote them in estimate for 5000 and we redlined based on estimate and pics. Our estimate was 1000 as the state farm direct shop replaced the decklid, and rear bumper assembly along withe the 1/4 panel that wasn't damaged. The shop also blended both sides of the car and none of the panels on the d/s were adjacent to the damage so didn't need it. Anybody with a frame machine or a chain tied between two trees can be a State Farm direct repair shop. State Farm paid for a bunch of crap that didn't need to be done. I wonder why insurance rates are so high. You tell me? Also how many lawsuits has Progressive had for bad faith. I only remember one. State farm and Allstate as well as Farmers let lost lawsuits drive there policy changes. Shops hate Progressive because they want to write a supp and get paid without any investigation. I have many more examples of the other big players like Allstate denying claims for stupid reasons and liability based on ludicrous things. I have no idea how Prudential is as have never dealt with them but will have to see. Thank you for the question. Progressive is not hard to work for actually they are the best insurance company to work for. How bout this we average about a 9% raise every year and also get raises for certifying. We are compensated a lot better then any other company where the only way you get a promotion there is when someone dies or retires. See ya
#9 of 5338 How is the value of a totaled car estimated?
Feb 14, 2002 (12:00 pm)
How is the value of a totaled car estimated? Progressive had estimated the value of my totaled car $2400 below the Kelley Blue Book retail value and about $1500 below the average price of similar cars on AutoTrader.com. Is it typical? Can I do anything about it?
#10 of 5338 Re: How is the value of a totaled car estimated?
Feb 14, 2002 (3:31 pm)
Hi phil65. I am obviously not an insurance adjuster, but I can steer you towards an article that may help to answer your question. The following article discusses how and why insurance companies total vehicles that have been involved in severe accidents: How Auto Insurance Companies Total Your Vehicle After You Total Your Vehicle. If you have any additional questions on this particular subject after reading this piece, please feel free to ask. Also, perhaps the individuals who are involved in the insurance industry and have been nice enough to post in this discussion can shed a little more light on this subject for you.
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