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Smart Shopper Questions About Auto Insurance & Accidents
4405 messages, Last post on Oct 17, 2009 at 9:53 AM
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Replying to: marsha7 (Aug 17, 2006 7:30 am) 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? 
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Replying to: lilyowen (Aug 16, 2006 6:34 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.
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Replying to: mbgc1 (Aug 17, 2006 5:29 pm) 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 |
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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... |
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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.
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Replying to: lhsmom (Aug 19, 2006 12:55 pm) |
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| recover the money it paid, but you may also recover the lost value of the car from the wreck...you would have to prove that the failed ball joint was the direct cause of the wreck, but you may have a decent chance of recovery...but expect a suit to take 1-2 years, unless their attorneys see the light...the issued recall will be damning evidence if you can prove that it caused your wreck... | |
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Anyone know where I can get crash test information on a 1999 Mazda 626 LX V6. The car is a tank and a rearend collision 2 years ago resulted in little damage (about $1K), yet I suffered what I consider significant and prolonged back and neck injuries. I want to be preemptive and provide the insurance company with information that states the vehicle can stand x miles per hour and only suffer this amount of damage but all I can find is information that says if you are in a rear, front or side impact, your likelihood of "serious" injury is x%...not at all what I am looking for. I want to be able to say my car can withstand a rearend collision of x miles per hour and only sustain $1K in damage and that provided medical reports state that rearend collisions of x miles per hour can most definitely result in significant and prolonged (not serious) back/neck pain of the type I have claimed. I hope that all made sense  . Two other quick questions: 1. Do you think it is premature to send this type of information with my initial demand letter...maybe it seems that I am trying too hard to prove that I was injured (which oh by the way, I was). I just know how hard she hit me and even I was incredulous when they said only $1K in damage. I was certain it had to me more. 2. Does anyone have a link to a well-written demand letter example I can reference? I'm afraid I'll get too emotional if I try to write it on my own but I also want to state just how much this injury has impacted my life. I would appreciate any guidance. I've received more useful information from this website than I have from the two lawyers I have consulted about my case.
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