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Smart Shopper Questions About Auto Insurance & Accidents
4422 messages, Last post on Dec 04, 2009 at 6:46 PM
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I got hit in a parking lot by a Progressive driver about a year ago. My car was stopped and he backed into me. I honked at him, but he kept on coming back. But since nobody saw the accident other than the two drivers (well, one of us - he never saw me) - it was a cold, rainy day so nobody was outside - Progressive denied paying my claim. Police won't come if you're in a parking lot - it's private property. To make a long story short, the other driver lied to my insurance company, Progressive didn't work with State Farm at all (my ins. co). When I gave my statement to Progressive, the agent asked me why I didn't get my car out of the way before he hit me (remember, I wasn't moving at all)! To make a long story short, I got screwed out of my $250 deductible because Progressive wouldn't pay (they said it was 50% my fault even though I wasn't moving) and the other driver lied. The end. Moral of the story: If you hit someone and there are no witnesses, just lie. You'll get away with it.
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| 50/50 is acceptable because you could have been lying as well. No independent witness? No case. | |
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Something told me you'd say that. I'll ask you this: How can someone be 50% responsible when their car WASN'T MOVING? |
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| and you stopped first. Being stopped in the middle of the aisle doesn't make any difference. Your engine was running, you were behind the wheel, your foot was on the brake, your hand was on the horn, but all you have to do is prove it. Now, had you been parked between cars in the proper space & the other guy backed into you, 50/50 is not fair. 50/50 is fair as you were out there also, but only stopped before he hit you. When your damage is on the middle side of the vehicle, you get more than 50/50, but when your damage is on your backside, the company figures it's a draw. | |
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Couple of days ago my beautiful red 97 honda civic dx coupe (75k) was rear-ended by a SUV at a stop light. The car was towed to a local autobody shop who is telling me that the car might not be total by the insurance and it is repairable. However to me there are significant damages to the car such as the entire rear is smashed-in, the SRS light and check engine light is on. The fuel tank and the bumper reinforcement including the chassis and my exhaust is bent. The driver side quarter panel is pushed in because of the impact. Now I check the blue book value of my car which says 7,000. I don't know the cost to repair but I was wondering if this could consitutes a total wreck. Also could I compromize with the adjuster to total the car. Because I know I have a lot of headache to simple get the SRS and check engine light check out aside from the car not being and driving perfect anymore. Also I think the autobody shop is trying make me one of their customers. I told him that I don't want the car repaired. Therefore should I bring the car home so the adjust could have a look at the car at my home. Thank you, Ashton |
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| Can an insurance company raise your rates on a comperhensive claim? Also which one would raise your rates more, speeding or collision? Last how does an insurance company go by when they decide to raise your premium when you get a speeding or collision or comperhensive? Is there a formula or do they just make the figure up in there head on how much your premium is raised? | |
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I saw him coming, I honked, I was stopped. I was not 50% at fault. He admitted to his ins. co. that he backed out without looking and that he heard me honk. They still said I was 50% because there were no witnesses. Like I said, apparently all you have to do is lie to get out of being liable for something as long as there isn't a witness. |
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| If he admitted that he backed out without looking and heard you honk, what did he lie about? | |
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That's what he told his ins. co. (or so said the person I talked to over at Progressive). He changed his story when he talked to my ins. co. (State Farm). He told them he didn't hear me honk and that he did look back before backing out and didn't see me. |
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