Oh I would have included the specifics of what was said.
I assume it is is your adjuster? Not the other companies. I would not even talk to the other company or there adjuster. I would only be dealing with your insurance unless there are things that yours does not cover then yes you will have to deal directly. Especially if deductibles are at play. But your agent is suppose to be guiding you through this and taking care of this for you.
My agent on Wednesday was excellent. But since then, I assumed we are dealing with the OTHER insurance company.
The first totaled Yukon was confusing because we happened to have the same insurance company unlike this crash.
I guess the previous crash falsely led me to believe I’d be dealing with the OTHER company.
What role does MY company play on my behalf exactly?
(We got a rental that we were told by the OTHER company we would pay for first then be reimbursed as soon as the liability was determined officially. My policy doesn’t have rental but since my truck was hit in my driveway, I never thought the OTHER insurance wouldn’t cover it)
Kafka sez "The collision is your fault because you knew damn well that parking anything on your property is unsafe due to prior incidents."
My experiences with insurance companies are that, with two shining exceptions, they will weasel out any way possible to deny your claim.
Let's put aside any blind and uninformed hate of insurance that's seen in threads like this. Get to the facts.
First, do you want to file with the other carrier or your own? That's a decision you have to make. You really don't want to do both simultaneously, it'll just lead to confusion and probably slow the process down. I realize that ultimately you want the other drivers' insurance to pay for it, and at the end of the day, as long as coverage is applicable, they will. However, do you want to deal with them directly now or go to your own carrier and let them deal with it? Make that decision now and stick to it. Given that there are two totaled vehicles (and yes, I think your Yukon is totaled), I'd suggest going to your own carrier. I'd be concerned that there isn't enough insurance coverage through the other driver to cover both cars. Maybe there is, maybe there isn't. If you go to your own carrier, than it's no longer your problem, it's theirs. The role your company plays in it is if you file with your own company, they will pay your damages (less deductible) and then pursue the other company to get all the money back, including your deductible. If you file with the other carrier, your insurance doesn't really play any kind of role. As for your question about the rental, the other carrier likely has either a coverage issue or simply needs to talk to their own driver. Until either or both of those are cleared up, they're not going to officially accept liability and pay for a rental. Liability seems pretty cut and dry, so my guess is either it's a coverage issue, a policy limits issue, or they simply haven't spoken to their driver to confirm facts yet.
Either way, honestly, don't rely on your agent. That's not what they do. They are primarily salesman/women. Their job is to determine the type of coverage you need and find the best way to get you that coverage. Claims is typically not their expertise. Some are better than others, but I can't tell you how many times I've seen it go sideways. They mean well, but often don't really know what they're doing. Deal with the claim departments directly.
No offense whatsoever, as I know it's very personal for you (as it rightly should be), but there really isn't anything "special" about this case to the insurance company. Your car was parked and unoccupied when it was hit. Coverage or limits issue aside, it's really a "Claims 101" type loss for the carrier...about as basic as it gets. Don't expect anything other than the value of the Yukon. On that note, yes, they only owe you cash value of it. If there were anything "special" about your loss, that would be it...you had owned the vehicle for a matter of hours. So if I were the other carrier, or even your own, unless you drastically overpaid for it (or underpaid), I would be inclined to give you exactly what you paid...as opposed to the normal handling, where you are given actual cash value.
Hope this helps. Let me know if you have any questions.
In reply to Klayfish :
So far, we are dealing with the other company.
The (temporary) rental non-coverage was due to them not having spoken with their driver we were told.
It never occurred to me to go through MY insurance simply because of the “facts of the case”.
My inclusion of the finer details was an effort to at least possibly expedite a response from the insurance company. No idea if it will work
John Welsh said:ebonyandivory said:In reply to Stealthtercel :
We’ve had crashes and rollovers from the North and an equal amount from the South.
I think the greater issue with the road is that it appears straight while driving (and you have referred to it as straight) it is not actually straight and driver's find themselves in your yard(s) before they realize.
what condition is the road surface in? Place I used to live at was on the inside of a fairly sharp turn. Speed limit was 25, but everyone did 40ish. The road surface was terrible, patched pot holes, crumbling surface, bumpy, and so forth. At least once a fortnight I was awoken to the sounds of a car accident.
The township came by and repaved the road and the accidents stopped. People will still going 40ish, no guardrails were put up, or anything like that. We did not even have kerbs, Just the smooth road allowed the driers to not lose control and wind up sideways in the corner.
ebonyandivory said:In reply to Klayfish :
So far, we are dealing with the other company.
The (temporary) rental non-coverage was due to them not having spoken with their driver we were told.
It never occurred to me to go through MY insurance simply because of the “facts of the case”.
My inclusion of the finer details was an effort to at least possibly expedite a response from the insurance company. No idea if it will work
Got it. No, including the finer details probably won't make a ton of difference. They should be timely, regardless of the circumstances. If they aren't calling you back, call again and ask for a manager. Don't feel bad about it. The first thing I'd suggest asking is if they have sufficient coverage limits to handle all the damages. If they don't, you need to turn it over to your carrier ASAP.
The rest makes sense, they usually do want to talk to their own driver before accepting liability.
They just told me they wouldn’t cover the tree but will pay for topsoil (that I’d have to spread and seed myself).
They also said that if it’s totaled, I will receive payout minus scrap value and that I’ll have to make the calls to have it removed ASAP (after appraisal) because they wont pay for storage fees.
Did you tell them you wanted to keep the salvage? If not, be clear with them that you don't want to "owner retain" it. They can't force you to keep the scrap.
In reply to Klayfish :
They told me I’d be responsible for getting it removed from the property and I’d be guaranteed to get what they write in the payout ie: $1,000 minus $50 scrap means they’d cut a check for $950 and the junkyard would cut me a check for $50 and that’s a guaranteed amount.
(those figures are just ones I’m using as examples)
My company is going to call for me. They say they always get landscapers to write out estimates and they use that for payment.
im telling you, I’m NOT spreading and seeding topsoil because some drunk driver slid across my lawn
I had a case years ago. Other driver admitted fault , so his insurance would pay. Their adjuster and I came to a sticky point. It got to where they/he would not return my calls. My rep. suggested I call the state insurance agency. Quick response and agreement.
My rep said that they could fix the car with my collision coverage and they would go after the other company.
In reply to ebonyandivory :
When my '11 Fiesta got totaled, the insurance co. BOUGHT my car. I even had to sign and send my title. The last I saw of the car was on the dealers lot after I emptied it out.
Completely out of the blue, but this thought popped into my head as i careened recklessly down the demolition derby known as i-4
He hit your cars pretty berkeleying hard. How did a pizza survive That? I forget who, but a forum member here was clobbered hard, but far less hard than this in an sw20 and his pizzawas a total loss.
In reply to Mndsm :
Maybe it was Stuffed Crust, like a built in airbag.
Maybe he had that pizza insurance.
In reply to Woody :
I enjoyed that she asked about the pizza first then asked about bail. Priorities.
Having done it both ways, I suggest just handing it over to your own insurance company and let them deal with it. If I had done that with the Elise, I would still be driving it. I assumed, incorrectly, that the other company would be about the same to deal with as mine. NO BERKELEYING WAY. USAA INSURANCE SUCKS!!! WORST INSURANCE COMPANY IN THE WORLD.
Woody said:Maybe he had that pizza insurance.
TIL that this is an actual thing.
WTF world?
Knurled. said:Woody said:Maybe he had that pizza insurance.
TIL that this is an actual thing.
WTF world?
Dominoes!
I thought you were using your insurance. I can not believe the answers you are getting from there insurance. With only limited understanding of things through this thread my first thoughts are they are trying to screw you. That is crap about the storage unless you have requested to retain ownership of the vehical after they pay out on the claim. But all that is moot if you are not keeping the vehicle.
Considering how you have portrayed the other insurance company I would be going through your insurance. It will probably get this resolved faster and in a much less adversarial manor. Remember they are also paying on a rental and possibly the other drivers car. If you deal with your company they should take care of you and then they will deal with the other parties insurance. That could take a long time due to the possible legal ramifications associated with the operators condition.
The short of it is if you have full coverage that will make you whole I would recommend you use it. This is what it is for. You can then move on from this and let all the other parties sort it amongst them selves.
In reply to dean1484 :
It may go that way. However, my agent called them and what they got from them was more promising than what I had taken away from them. I’m waiting until I get word that it’s been appraised (and totaled) and will see how things are going and what my agent feels about it. She said something about there being an issue with three claims in one year: my first Yukon got bumped into by a dumb merger on the highway out of the HOV lane but I never asked for money and it wasn’t my fault as I was stopped in traffic, then it got and totaled while stopped. Now unoccupied and totaled. I’m not sure why this is an issue. None are my fault.
We just want your premiums......stop with the berkin' claims ya hear????
You should read the fine print of your policy. I would have to think that there would be something about being at fault but again you really need to read your policy.
Dr. Hess said:Having done it both ways, I suggest just handing it over to your own insurance company and let them deal with it. If I had done that with the Elise, I would still be driving it. I assumed, incorrectly, that the other company would be about the same to deal with as mine. NO BERKELEYING WAY. USAA INSURANCE SUCKS!!! WORST INSURANCE COMPANY IN THE WORLD.
Agreed. A USAA driver hit my Audi when backing out of a driveway. My legally parked, unoccupied Audi. In reverse. She was 16 and on her learner's permit, her mom was in the car (she's a friend of my wife) and I'm 100% sure that they presented the story accurately to USAA. I filed with my company (State Farm), and had the vehicle fixed inside a week. State Farm subrogated with USAA, they decided to contest it, took it to arbitration and dragged it out 18 months before paying State Farm (and me getting my deductible back).
This varies somewhat from state to state, but in general, it's almost always better to file with your own company. To them you're a customer, whereas to the other guy's company you're just a pain in the ass.
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