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Author Topic: The Agony and the Ecstasy of Insurance Claims  (Read 617 times)
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SpaceLord
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« on: November 17, 2004, 03:54:31 AM »

Picture this:

Some dumbass backs his big blue reject schoolbus into my 2000 Chevy Metro. Now, my car's not cherry by any means, but other than a pre-existing scrape on the door, it's in great shape. I paid 2000 bucks for it, a steal.  The accident was at a 7-11 parking lot, and the damage appears confined to the hood, the headlight and one scrape on the front fender. No biggie, I think. And a cop won't usually file a report for a minor, non-injury accident on private property. So I get his info and leave.

The next day, I discover his address doesn't exist, his agent's number is a gas station, and mysteriously, the guy's cell phone number goes out of service. Grrrr. So off to State Farm, my insurance agent, to file a claim. In the meantime, the only problem is that the headlamp goes out a few times, since the headlight assembly is now open to the air. A month passes, and due to various reasons, I finally get around to getting an estimate.

The dreaded phrase "Is insurance paying for this?" confronts me as I talk to the body shop guy. I leave it with him, and for two days now, I have been forced to ride the frickin` public bus to and from work, adding 2hours to my commute.

Today, I get a call from the body shop, saying State Farm had a problem with the repair. Worried, I call up State Farm, and they transfer me to the "Total Loss Department."  :shock:  :shock:

Not good, not good at'all.

So, lucky me, the insurance agent calls my wife before I do, and tells her they won't pay for the repairs. She, upset, calls me, tearfully, blaming me for not acting faster and reporting this deadbeat who hit me. She's sorta right, I do tend to procrastinate. I tell my wife I can take out the headlight, tape it up for now, or find a new one. Still mad, she tells me she is calling the insurance people back.

So, here we are, without a car for the 2nd day, and they haven't even worked on it yet! I start calling around, trying to find a headlight assembly, and get a call from wife.

Strangely, she's not mad anymore.

I take this as a good sign. Or, that she is icily plotting my horrible, bloody, aorta-draining death.

She tells me that State Farm totaled the car, and they will sell it back to us, and give us the difference between full cost and salvage cost. Sorta bummed now, I ask how much it is.

Her: "2500 dollars."

Me: "..."

Her:"Hello?"

Me: "Umm, yeah, take it."

So I go from annoying at having to ride the bus, to mad hearing the car is still in the same condition, to furious at the stupid insurance company for totalling the car, the only damage is to one side of the hood, and the damn headlight cover is broke. Then I get happy when I hear how much we're getting paid to keep our car.

What a day.  Tongue
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Greggy_D
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« Reply #1 on: November 17, 2004, 04:16:57 AM »

No wonder my rates are so high.   Tongue
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