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Questions About Auto Insurance & Accidents

4407 messages,  Last post on Nov 27, 2009 at 7:06 AM

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What is this discussion about? Buying Insurance


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#1983 of 4407
Re: Cant' afford deductable? [euphonium] by mbgc1
Aug 17, 2006 (5:43 am)
Reply

Replying to: euphonium (Aug 16, 2006 8:22 pm)

Thanks for the greeat ideeas. Using the check to pay down the car is a great idea if they will go for it.
 
I am calling safeco directly this morning to discuss the rental coverage thing.
#1984 of 4407
mbgc by marsha7
Aug 17, 2006 (7:30 am)
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Just as a side note, Safeco is one of the two worst insurance companies in the state of GA...the other one is Safeway...and I do not know if the two are related in some way...
#1985 of 4407
Re: mbgc [marsha7] by euphonium
Aug 17, 2006 (10:04 am)
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Replying to: marsha7 (Aug 17, 2006 7:30 am)

Safeco is the grandson of Oregon Mutual Ins. Co., McMinnville, OR. Because O.M. was a very conservative operation, a few of the more "progressive" guys left the company, drove to Seattle and formed Northwestern Mutual Fire Association, known today as Unigard. Well, some of the guys at NWM decided to really be aggressive and moved to the University district of Seattle to form The General Insurance Co. of America, known today as SAFECO.
 
Having been in the agency side of the business since 1955, I quickly learned SAFECO was the company we loved to hate.
A very dictatorial outfit to do business with and their claims adjusters are known as Shylocks.
 
Today, their immediate past CEO is running for WA senator.
Safeco gave him a wonderful retirement package which is sponsoring his campaign.
 
Is it no coincidence SAFECO is an English brand of a prophylactic?
#1986 of 4407
Re: Non-Owner Liability Insurance [lilyowen] by danaf
Aug 17, 2006 (2:40 pm)
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Replying to: lilyowen (Aug 16, 2006 6:34 pm)

Thanks a lot lilyowen.
#1987 of 4407
safeco by mbgc1
Aug 17, 2006 (5:29 pm)
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Well the body shop said the adjuster is way off and that no one could fix the car for what he put the estimate at. Also he wouldn't include one of my damaged doors because he said it didn't look like it happened at the same time.
#1988 of 4407
Re: safeco [mbgc1] by jplyman
Aug 18, 2006 (7:48 am)
Reply

Replying to: mbgc1 (Aug 17, 2006 5:29 pm)

When I totaled out my car (12 years ago) it was 6 months old and the adjuster for Travlers wanted to give me 8,000 less than I paid for the car from my father's dealership. Needless to say this wouldn't work! I finally had to tell the adjuster that I felt that I needed a lawyer who could help me with all this complex stuff and look out for my interest. It was amazing that I had a check the next day for the adjusters amount plus the 8k.
 
Insurance claims adjusters are tyring to give you as little as possible for your car and will try and deny as much as possible. There job is to cost the insurance company as little as possible and have no headaches. If you become a headache and ask about thier grievence policy and say things like maybe I need a lawyer to help me settle this - they will probably make a settlement that is fair.
 
Make sure you know what is fair though do your home work and you should be able to make it through.
 
Good Luck
#1989 of 4407
jplyman by marsha7
Aug 18, 2006 (8:05 am)
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I am glad the threat of a lawyer worked for you...often, in the case of vehicle damage, it may not...
 
If I was to take the case, it owuld not be on a contingency basis, it would be on a prepaid retainer by the hour...most folks will not be willing, or able, to pay ggod money for what the insurance should be doing anyway...you can request reimbursement of atty fees from the judge, but cases like this they are often not granted...
 
FYI...
#1991 of 4407
Jeep Liberty Accident/Ball Joint Failure/Ins Paid by lhsmom
Aug 19, 2006 (12:55 pm)
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  I had a 2003JeepLibertySport.Nov 04 Ball Joints were replaced under the Recall. June 06 Ball Joints failed causing accident... I ended up in a corn field. Was not cited as it was failure of the vehicle. $3500 in damages were paid by Grange Insurance. July 30, 2006 Jeep announces a Recall on the ball joints they just replaced. I am grateful they paid for the damages, but my insurance premium went up because the claim was over $1000. When speaking with the Jeep in Auburn Hills, they claim I can not try to recoup the cost from Jeep Corp, it is my insurance company's responsibility to do so. My agent is currently checking into this. Now that the parts are on Recall again do you think Grange will spend the time to get reimbursed?
I want my premiums to go back down. If Grange were reimbursed for the $3500 from the accident, wouldn't my premium decrease? By the way, I traded the piece of crap off yesterday.
#1992 of 4407
Re: Jeep Liberty Accident/Ball Joint Failure/Ins Paid [lhsmom] by jb_turner
Aug 19, 2006 (4:35 pm)
Reply

Replying to: lhsmom (Aug 19, 2006 12:55 pm)

It looks like you will need to retain a lawyer and sue.

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