The Vent Part Quatre

[Nina~ 431]

Marilyn,

Something similar happened to me a couple of weeks ago. I was crossing an intersection on a stale green when this college kid decided to run a red light without looking. I crashed into her door and my front end is ruined. Luckily, I had witnesses who stayed and talked to the cops saying that they saw the girl run the red light. She contested it and lied to the cops that she has witnesses that saw me run the light. When she couldn't get her friends to vouch for her, she decided to drag her feet and refused to co-operate with her insurance. It has now been 4 weeks and I finally had to hire a lawyer to get the insurance to accept liability.

Were there any traffic cameras near the accident location? Also, get yourself checked out even if you feel fine. I felt fine the first couple of days and then my shoulder and neck started hurting really bad and it turned out that my neck was sprained. The doctor said that I was lucky that it was not a pinched nerve.

Edited June 28, 2011 by Nina~

[Flames9_RN 358]

Yep, I'm sure he is going to detest it, as a professional(not in this case,lol) driver, I'm sure his Insurance rayes will go up if he is at fault!!! Stick to ur guns!!! Even whe ur 100% not at fault, I have found you really have to hassle the insurance company, 1 has to remember, they are their $$$$$$$$, not there to make ur life easier,lol My wife had her engagement and wedding rings lost or stolen at the gym. We had a policy for it, insurance company had the appraisal and were happy to insure it based on that appraisal! But when it came time to pay out, al of a sudden they were not happy with that appraisla,lol Took a fairly long time before they agreed to pay it! We actually had the rings remade and it cost more. Lesson learned from that experience was tick to ur guns and have if jewelery is expensive, have them re-appraised every few yrs. But the new rings an't replace the sentimental value as they were her grandmothers rings!! And thats what the insurance company kept saying,lol well duh. Glad u were not hurt

[Nina~ 431]

Flames,

Who did you insure your rings with? I have been asking around because I need to have mine insured too, but everyone thinks that it would be covered under my renters insurance. However I would like to have them insured separately because they are quite expensive and I dont think that the renters insurance will cover the entire cost of the rings.

[Marilyn. 340]

Progressive has been great.. they said no matter what they will side with me and our insurance rates will not go up... they have handled everything pretty quickly and we probably will get our check by the end of the week...

the only thing that might take awhile is them getting their money back from the other insurance.. the lady said it could take months specially if he is contesting it... there were witnesses but no one stuck around... and the cop didn't even want to make a report because he said it was only property damage..

[Flames9_RN 358]

Flames,

Who did you insure your rings with? I have been asking around because I need to have mine insured too, but everyone thinks that it would be covered under my renters insurance. However I would like to have them insured separately because they are quite expensive and I dont think that the renters insurance will cover the entire cost of the rings.

We have USAA insurance. But any insurance company can offer u stand alone policy for jewelry.

[Canadiandggal 49]

We have USAA insurance. But any insurance company can offer u stand alone policy for jewelry.

I love my USAA ACCOUNTS... they rule!

[Nina~ 431]

Progressive has been great.. they said no matter what they will side with me and our insurance rates will not go up... they have handled everything pretty quickly and we probably will get our check by the end of the week...

the only thing that might take awhile is them getting their money back from the other insurance.. the lady said it could take months specially if he is contesting it... there were witnesses but no one stuck around... and the cop didn't even want to make a report because he said it was only property damage..

My insurance is through GEICO but I decided to claim through the other party's insurance because I really didn't want to pay the $500 deductible. Geico also said that my rates won't increase, and when I pressed them to give that to me in writing, they back-tracked and said that they won't guarantee that and it all depends on the person who will underwrite my policy when it comes time for renewal. After trying to wrangle with the other insurance company, we finally got my husband's lawyer friend to deal with it. She finally threatened to sue them for lost wages before they finally conceded and accepted liability.

Thanks for the info Flames.

[Krikit 1,165]

Ugh. Why is everything such a hassle here? Glad to hear you are both safe, Marilyn and Nina.

[Flames9_RN 358]

Insurance in Canada is a hassle too!! Back in 2000 I got rear ended by a kid in my spanking brand new Acura Integra. I bought an extra policy that gave me full replacement value. They didnt want to writ my car off, even though it looked like an accordion!! I was lucky to walk away pretty much unharmed!! I ha to call them daily and complain!! Fr them I guess it made sense to fix it--because they had to write me a cheque for over $30,000. But I persisted and got my $$$$

[Krikit 1,165]

Oh, that sux. I was with State Farm and never had a problem.

[Flames9_RN 358]

Oh, that sux. I was with State Farm and never had a problem.

We had State Farm when I first moved to the USA. Never really had to claim anything while with them. I know we saved a lot of $$$$ going to USAA. Love USAA, even though it did take a bit to get the $$$$ from my wifes lost/stolen wedding& engagement ring. But like I have said before, they are all in business to make $$$$$,lol

[Krikit 1,165]

We're with GEICO in the US, but have never had to file a claim with them so I don't know if there'll be any issues. Unless you count windshield replacements, which went well. lol

[Marilyn. 340]

for the first few years we were with this small insurance company based out of phoenix but dealt with a insurance company close to us who was the "middle man"..

our monthly premiums were around $111 and the deductibles were $1000.. so last year after doing some research we switched to Progressive, the monthly premiums are now around $106 and our deductibles are $100 for comprehensive and $250 for collision..

I am glad I switched.. I just know we would have had a fight on our hands to get the our old insurance company to do anything...

Edited June 29, 2011 by Marilyn.

[Marilyn. 340]

just found out that the estimated cost to repair the car was around $4400..it basically would have been a whole new car in the front. seems like the only thing they wouldn't have had to replace was the engine

oh and we got the check from the insurance yesterday

[Flames9_RN 358]

just found out that the estimated cost to repair the car was around $4400..it basically would have been a whole new car in the front. seems like the only thing they wouldn't have had to replace was the engine

oh and we got the check from the insurance yesterday

Cool~~~ Happy car shopping!!