I need to file a claim with someone's insurance company. Took me two months to track down their insurance information as I was continuously provided with false information. I was finally able to file a month ago and have sent inquiries every week for updates. All that I have received so far from this insurance agency is canned responses every time. I now have been without said vehicle for 3 months because of someone's carelessness. This is causing excess wear and tear and depreciation of another vehicle that was not intended to be driven. Anyone know if their are any laws against them doing this to me?
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10:31 AM
PFF
System Bot
84fiero123 Member
Posts: 29950 From: farmington, maine usa Registered: Oct 2004
I need to file a claim with someone's insurance company. Took me two months to track down their insurance information as I was continuously provided with false information. I was finally able to file a month ago and have sent inquiries every week for updates. All that I have received so far from this insurance agency is canned responses every time. I now have been without said vehicle for 3 months because of someone's carelessness. This is causing excess wear and tear and depreciation of another vehicle that was not intended to be driven. Anyone know if their are any laws against them doing this to me?
you need to file what is called a third party claim with his or hers insurance companies Claim department, not the other departments of the insurance company. simply call the insurer and ask for the claims department. then state your claim, have all your ducks in a row with all the info you would normally put in a regular claim right in front of you so you can refer back to it if you are asked any question about anything, time, date, vehicles, driver, anything you would normally need to put on a regular claim with your insurer.
you may have to fill all this out on one of their forms but stand fast, don't let them sidetrack you or put you in a paper puzzle, tell them you Just want to file a claim, no BS their driver was at fault not you, also if you have any copies of any police reports, say hit and run or anything similar, make sure they know that as well and send Copies with your claim.
Edit to add,
just what happened and were there any other independent witnesses?
Steve
------------------ Technology is great when it works, and one big pain in the ass when it doesn't
Detroit iron rules all the rest are just toys.
[This message has been edited by 84fiero123 (edited 09-23-2013).]
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11:00 AM
Shill Member
Posts: 2166 From: Spokane, WA Registered: Apr 2009
just what happened and were there any other independent witnesses?
Steve
This was originally started in a general chat thread. That thread is old and I couldn't locate it.
Going to keep it brief and to the point. Was driving down a state road and came in contact with a road hazard left by a construction comapny. This caused a blowout, sent my into the curb, broke a rim and a balljoint, bent a controlarm, and knuckle may likely need to be replaced as it will probably be damaged removing the ball joint due to how the joint broke.Contacted my insurance and got towed home, nobody told me I needed to call the police or file a police report. However, I did take many photograph. The next day, I went to the repair shops for quotes. It is approx. $3000 if i were to have a shop do it.
Anyways, contacted the state as it was a state road, 2 weeks later I get response, not our responsibility, we do nto maintain the road. Please contact the city. Contacted the city, 2 weeks later, same response. Conact our sub contractor. Contacted the contracter, got the response. Sorry we don't maintain that road Contacted insurance company provided by city for that contracter, same response, our insured company didn't do that, here is info for company responsible. COntacted city, oh looks like we goofed, you're right, that is correct company and looks like their insurance expired before they did the work. contacted company responsible, they offered me $300 along with a very hateful and offensive letter. I responded sorry, that is not enough, can i get insurance info so they can provide me with adequate compensation? They refused to give out info. Spent a week fighting with city again and finally got bond info. called the bond/insurance agency and was told to send an email for all claims I sent in my claim, which included enough info for them to process the claim. Every week I have checked back on this, every week I get the EXACT same canned response.
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11:37 AM
DL10 Member
Posts: 2350 From: Bloomington IL Registered: Jun 2000
I bet the letter said something about you trying scam them. You are asking for a new set of wheels becuase you bent one wheel. just becuase they are no longer made doesn't mean you get 4 new wheels. I think you should have taken their offer.
After reading your first thread again and looking at the pictures......... I really think you should have taken their offer. And just what is a semi pothole ? None of the patches you posted should have caused you to lose control of the car. The tire blew , as did all of the other damage when you slid into the curb. Why you slid into the curb is on you.
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01:43 PM
jaskispyder Member
Posts: 21510 From: Northern MI Registered: Jun 2002
Do you have insurance on your car? If so, wouldn't you go through them first? They would pay to fix and it is on them to try and get money from someone else.
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01:49 PM
Shill Member
Posts: 2166 From: Spokane, WA Registered: Apr 2009
Do you have insurance on your car? If so, wouldn't you go through them first? They would pay to fix and it is on them to try and get money from someone else.
Would cost me much more than damages in the monthly rate increase
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02:10 PM
Shill Member
Posts: 2166 From: Spokane, WA Registered: Apr 2009
Would cost me much more than damages in the monthly rate increase
How much are the damages? $3K? Ask what the cutoff is for losing your discounts and have insurance pay that amount, and you could pay the rest.... just a thought.
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02:18 PM
Shill Member
Posts: 2166 From: Spokane, WA Registered: Apr 2009
How much are the damages? $3K? Ask what the cutoff is for losing your discounts and have insurance pay that amount, and you could pay the rest.... just a thought.
To fully repair it myself, it would only be about $2k, if a shop were to do it, $3k. I currently work full time and am requesting the shop price because I didn't currently have time to repair it myself. But now that it has taken 3 months, i'm not sure it really matters. At this point I have a bunch of extra wear and tear on my secondary vehicle that I didn't intend to drive or even have fully insured over the summer. I was actually planning on selling it. Now I may trade it in for something else if it is going to be my primary vehicle.
[This message has been edited by Shill (edited 09-23-2013).]
Finally got word back after a very blunt email this morning. stating that I was feeling that I was only receiving canned responses, and would like an update even if it only stated that they have made no progress yet.
I received another canned response with this attached.
quote
Proof of Loss Miscellaneous Bond STATE OF ______________COUNTY OF ________________________ss: __________________________________________________, being duly sworn, deposes and says: That he/she is ____________of ____________________________________, (Title) (Claimant) and is authorized to make this Proof of Loss on behalf of Claimant. If an individual is the Claimant set forth address and telephone number: _______________________________________________________________. That the statements herein are true and correct in every respect. This is a claim being made on Bond No. __________________ . The amount of the Loss is $____________. The Loss occurred ____________________________. (Date or Period of Time) The Loss was discovered _______________________________. (Date) The circumstances of the Loss are: ________________________________________________________________ ________________________________________________________________ _______________________________________________________________. Set forth the evidence and documentation to be relied upon by the Claimant to prove how ___________________________________________________ (set forth name of company and/or persons) caused the Loss including, the method and procedure used by the company and/or persons to cause the Loss, and the computation of the amount of the Loss. ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________Page 2 of 3 ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ _______________________________________________________________. If applicable, a detailed description and identification of the property, and its legal title (ownership), that constitutes the Loss, and if it is in possession of claimant or whereabouts is known, the place and hours it may be inspected. ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ _______________________________________________________________. The following were credited against the Loss by reasons of Claimant withholding or off-setting it, or recovery from said company and/or persons, or for any other reason: ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ _______________________________________________________________. There are no other offsets whatever against the Loss, and the Claimant has not accepted any security for or on account of same or assigned or released any portion of the claim except: ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ _______________________________________________________________. The Claimant has not made claim or any other Bond or insurance policy of any kind covering this Loss or a part thereof except: Page 3 of 3 ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ _______________________________________________________________. The Claimant knows of no other persons who contributed to or participated with the company and/or persons in the acts causing the Loss except: ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ ________________________________________________________________ _______________________________________________________________. ____________________________________________ (Signature of person completing Proof of Loss) Subscribed and sworn to before me this _____________day of _________________, 2013. _____________________________________________ (Notary Public)
Now I am scratching my head on how to fill this out.
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03:57 PM
84fiero123 Member
Posts: 29950 From: farmington, maine usa Registered: Oct 2004
Finally got word back after a very blunt email this morning. stating that I was feeling that I was only receiving canned responses, and would like an update even if it only stated that they have made no progress yet.
I received another canned response with this attached.
Now I am scratching my head on how to fill this out.
never mind
just fill it out, if you can't figure out how to fill out a form why should I help you, they already made you an offer, so unless this is a show worthy car and I'm sure its not forget it.
Steve
------------------ Technology is great when it works, and one big pain in the ass when it doesn't
Just let it go.....you are never going to prove that a semi pothole caused the damage, you are asking for 4 new tires and 4 wheels that's plain greedy. Wheels can be repaired. Or you can keep banging your head against the wall trying to file a claim only to have them reject it and say SEE YOU In COURT. Then you can get a lawyer for a grand or two only to have the judge tell you your claim is bogus.
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05:48 PM
rogergarrison Member
Posts: 49601 From: A Western Caribbean Island/ Columbus, Ohio Registered: Apr 99
There are places around now that can fix totally destroyed wheels for less than $200. $300 settlement for a wheel and tire is good. As far as the rest, your never going to be able to prove they caused it....they will just say you were going to fast for conditions or you would have been able to stop before hitting anything else.
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06:31 PM
NEPTUNE Member
Posts: 10199 From: Ticlaw FL, and some other places. Registered: Aug 2001
Would cost me much more than damages in the monthly rate increase
Costs you nothing. Your insurance bills their insurance.
Something seems to be missing here....
I think this is pretty much on point:
quote
Originally posted by DL10:
Just let it go.....you are never going to prove that a semi pothole caused the damage, you are asking for 4 new tires and 4 wheels that's plain greedy. Wheels can be repaired. Or you can keep banging your head against the wall trying to file a claim only to have them reject it and say SEE YOU In COURT. Then you can get a lawyer for a grand or two only to have the judge tell you your claim is bogus.
Shite happens. Take the money and go on with your life.
I used to be the guy at the insurance company claims office who read claims and either paid them or not.^^^^^^
[This message has been edited by NEPTUNE (edited 09-23-2013).]
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06:48 PM
MidEngineManiac Member
Posts: 29566 From: Some unacceptable view Registered: Feb 2007
The guys above are being kind, if you came to me demanding new wheels and 4 tires over that, I'd hoof ya in the nuts and tell ya to GTFL.....and a blow-out does NOT mean loosing control. I did it to a front tire, in winter conditions, at about 130 (highway speed) a couple of years ago, and got the car to the side of the highway across 3 lanes of traffic with no damage beyond the tire. Not even the rim.
If you wacked a curb over a blown tire, as stated above its on you for not being in proper control of the car. I agree (also as stated above) you are trying to scam them into #1 upgrading your car, and #2 paying for your poor driving.....especially a little dip like that pic of the "semi-pothole". I have SERIOUS doubts that thing could do ANY damage, and its likely just a coincidence it was in the same area as where you blew a tire.
Tires blow, it happens.
Just my HO
[This message has been edited by MidEngineManiac (edited 09-23-2013).]
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06:53 PM
Shill Member
Posts: 2166 From: Spokane, WA Registered: Apr 2009
I don't know why anyone would allow a 3rd party cause damages to their property and not expect them to pay for the proper repairs? Why does the overall value of the vehicle matter about the specific items damaged? Why does a car have to be "show quality" in order for someone to be responsible for damaging it?
If you were to spend thousands of dollars on new siding for your house, and many summers of blood sweat and tears on your landscaping, but the interior of your house was still from the 30's and some drunk were to drive off the road, tearign up your lawn and smashing into the side of your house, what would you expect them to fix? Oh, don't worry, i have extra siding, i can fix that myself, and don't worry about the grass, that will grow back? I'd also expect them to have a professional repair crew out to have it repaired to exactly how I had it. Would that mean they'd leave half of the yard covered in grass seed? and looking ugly for the next month? If the repair crew can't do it to the same quality that I had it originally, i'd expect them to compensate me for my time so that I could do it myself.
I don't understand peoples logic here, is it because we are a car forum, nobody cares about anybody elses car?
My wheels and tires were purchased 2 years ago and for a discounted price. I cannot find those wheels/tires anymore as they were both discontinued. Does that mean I have to drive around on mismatched wheels and tires, because they only want to pay for only the damaged wheels/tires? Not my fault, they are discontinued, I did not make that choice. Also not their fault and I do feel sorry for the circumstances. What I do not feel sorry for is their negligence.
Out of curiosity, on my way home today I stopped at the tire shop to check on the status of that wheel again. Still unobtainable. While I was there, I was told that they received 4-6 customers per week from damages on that same 1/4 mile stretch of road. I am not the only victim from this. I am going to continue to pursue what I see to be right.
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10:56 PM
Sep 24th, 2013
DL10 Member
Posts: 2350 From: Bloomington IL Registered: Jun 2000
I don't know why anyone would allow a 3rd party cause damages to their property and not expect them to pay for the proper repairs? Why does the overall value of the vehicle matter about the specific items damaged? Why does a car have to be "show quality" in order for someone to be responsible for damaging it
You have to prove a 3rd party is a fault. How do you know your ball joint didn't let go causing you to crash in the curb. The semi potholes you showed should not have caused you to lose control.
quote
Originally posted by Shill:
If you were to spend thousands of dollars on new siding for your house, and many summers of blood sweat and tears on your landscaping, but the interior of your house was still from the 30's and some drunk were to drive off the road, tearign up your lawn and smashing into the side of your house, what would you expect them to fix? Oh, don't worry, i have extra siding, i can fix that myself, and don't worry about the grass, that will grow back? I'd also expect them to have a professional repair crew out to have it repaired to exactly how I had it. Would that mean they'd leave half of the yard covered in grass seed? and looking ugly for the next month? If the repair crew can't do it to the same quality that I had it originally, i'd expect them to compensate me for my time so that I could do it myself
Apples to oranges....I like oranges best
quote
Originally posted by Shill:
I don't know why anyone would allow a 3rd party cause damages to their property and not expect them to pay for the damages
I don't understand peoples logic here, is it because we are a car forum, nobody cares about anybody elses car?
It's not we don't care about your car, but you are asking for more than you were damaged and that's not how it works in court. Now if you can prove they were negligent and this caused your damage you might get putative damage.
quote
Originally posted by Shill:
My wheels and tires were purchased 2 years ago and for a discounted price. I cannot find those wheels/tires anymore as they were both discontinued. Does that mean I have to drive around on mismatched wheels and tires, because they only want to pay for only the damaged wheels/tires? Not my fault, they are discontinued, I did not make that choice. Also not their fault and I do feel sorry for the circumstances. What I do not feel sorry for is their negligence.
So two years ago you bought some discounted tires and wheels that are no longer available and now you want them to buy you 4 new tires and wheels because you broke one or two. It doesn't work that was, if they were responsible they would only be responsible for the damaged wheel. And they would only be responsible what you paid minus 2years of use. Not what 4 new wheels cost. And by you asking for the 4 new wheels and tires it really looks like you are trying to pull a fast one. No police report, no pictures of the car actually wrecked into curb, pictures from 3 different places..... Which one caused your wreck?
quote
Originally posted by Shill:
Out of curiosity, on my way home today I stopped at the tire shop to check on the status of that wheel again. Still unobtainable. While I was there, I was told that they received 4-6 customers per week from damages on that same 1/4 mile stretch of road. I am not the only victim from this. I am going to continue to pursue what I see to be right.
Talk is cheap.. I doubt that many are complaining. And have you checked on getting that wheel fixed, looks like there are several shops in your area that repair wheels.
Edited to add
I'm also curious about how you got the car to two shops for estimates if you had to have it towed home.
[This message has been edited by DL10 (edited 09-24-2013).]
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06:35 AM
PFF
System Bot
84fiero123 Member
Posts: 29950 From: farmington, maine usa Registered: Oct 2004
Originally posted by Shill: Would cost me much more than damages in the monthly rate increase
Not always true and if you have the coverage use it, that is what its for. unless you have a really bad insurance company or are under 25 and have multiple accidents that were already deemed your fault, if you don't you pretty much at their companies mercy. if you weren't at fault it won't count against you that is your insurance companies job to fight with their insurer to get what they pay you out of their insurer. the third party is you filing a claim.
I had to go to fkn college for Auto body damage appraisal in Taxachusettes to get certified and part of the very long and boring course was dealing with the insurance companies and their BS.
You are the third party.
Steve
------------------ Technology is great when it works, and one big pain in the ass when it doesn't
Detroit iron rules all the rest are just toys.
[This message has been edited by 84fiero123 (edited 09-24-2013).]
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08:06 AM
jaskispyder Member
Posts: 21510 From: Northern MI Registered: Jun 2002
Not always true and if you have the coverage use it, that is what its for.
Sadly, with the way insurance companies work, some build in a discount and when you make a claim you lose that discount. So, they are not raising your rates, but they are making you pay more. I talked to my agent about this and learned the threshold for this discount and if a claim is over that amount, I can pay out of my pocket, or just lose my discount... it all depends upon the cost of the damage. BUT I did raise my deductible and decided to just keep some money handy for that. Insurance (here in MI) is a ripoff.
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08:19 AM
84fiero123 Member
Posts: 29950 From: farmington, maine usa Registered: Oct 2004
Sadly, with the way insurance companies work, some build in a discount and when you make a claim you lose that discount. So, they are not raising your rates, but they are making you pay more. I talked to my agent about this and learned the threshold for this discount and if a claim is over that amount, I can pay out of my pocket, or just lose my discount... it all depends upon the cost of the damage. BUT I did raise my deductible and decided to just keep some money handy for that. Insurance (here in MI) is a ripoff.
I did say, "Not always True."
Sometimes that "Good Driver discount." is just an over expensive policy that gives you credit that you could normally get with a different insurer at their normal rate. but that discount is a lesser payment so I guess your right. if you lose a discount for a not at your fault accident then your company sucks. also may be illegal, check on that, but with insurers assigning % of fault always in each case you may be found at fault in almost any case, depends on the state and company laws and rules of the policy.
see sometimes I can remember things, usually from decades ago but hey sometimes those things come in handy.
I wonder if the cert is of any good anymore, back when I took the course I did it for a friend who owned a body shop and had been in business for decades and needed the cert and stamp. back then we had to have BOOKS, remember them? now its all done by the computer but you still have to go out and look the cars damage over, to bad bending over and driving are so painful now.
edit to add with the cost of new cars I would if I were you look at your policies limits to other drivers per accident, we recently, well 10 or so years ago after we moved back to Maine increased our policy limits because a new car cost 50 K or more, not to mention bodily injury claims for each party in each accident have increased so check with your agent, insurer about how high yours is, it is in your policy folder but then with all the legalize in them you need a dam lawyer to understand most of them. just a heads up to those people with those cut rate policies.
Steve
------------------ Technology is great when it works, and one big pain in the ass when it doesn't
Detroit iron rules all the rest are just toys.
[This message has been edited by 84fiero123 (edited 09-24-2013).]
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08:31 AM
jaskispyder Member
Posts: 21510 From: Northern MI Registered: Jun 2002
Sometimes that "Good Driver discount." is just an over expensive policy that gives you credit that you could normally get with a different insurer at their normal rate. but that discount is a lesser payment so I guess your right. if you lose a discount for a not at your fault accident then your company sucks. also may be illegal, check on that, but with insurers assigning % of fault always in each case you may be found at fault in almost any case, depends on the state and company laws and rules of the policy.
see sometimes I can remember things, usually from decades ago but hey sometimes those things come in handy.
I wonder if the cert is of any good anymore, back when I took the course I did it for a friend who owned a body shop and had been in business for decades and needed the cert and stamp. back then we had to have BOOKS, remember them? now its all done by the computer but you still have to go out and look the cars damage over, to bad bending over and driving are so painful now.
Steve
Here in MI, the insurance companies wrote the laws. I am sure what they do is "legal"..... The real rip-off is the $100+ per vehicle charge for under insured people (which goes into a slush fund so insurance companies don't have to pay out big settlements - head injuries, etc). This was a "bright idea" brought about from our insurance companies and our legislation said "great idea!". So, our insurance can add up quickly and any discount (usually a percentage of the policy) can be substantial.
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08:44 AM
84fiero123 Member
Posts: 29950 From: farmington, maine usa Registered: Oct 2004
Here in MI, the insurance companies wrote the laws. I am sure what they do is "legal"..... The real rip-off is the $100+ per vehicle charge for under insured people (which goes into a slush fund so insurance companies don't have to pay out big settlements - head injuries, etc). This was a "bright idea" brought about from our insurance companies and our legislation said "great idea!". So, our insurance can add up quickly and any discount (usually a percentage of the policy) can be substantial.
Check my edit.
Steve
------------------ Technology is great when it works, and one big pain in the ass when it doesn't
Detroit iron rules all the rest are just toys.
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08:47 AM
jaskispyder Member
Posts: 21510 From: Northern MI Registered: Jun 2002
You have to prove a 3rd party is a fault. How do you know your ball joint didn't let go causing you to crash in the curb. The semi potholes you showed should not have caused you to lose control.
This I don't know. after speaking to the shop again, he suggested that the hole broke the ball joint. The added friction of the control arm dragging on the wheel is what sent me into the curb. He suspects I probably have a bent tie rod also. He also knows that he did an alignment not long before the incident. He claims he would not have touched the vehicle if the ball joint appeared to be in poor condition. Being that I have receipts that are only a few years old for both ball joints and tires. I can say without a doubt that none of my equipment was faulty and caused the wreck.
It's not we don't care about your car, but you are asking for more than you were damaged and that's not how it works in court. Now if you can prove they were negligent and this caused your damage you might get putative damage.
So two years ago you bought some discounted tires and wheels that are no longer available and now you want them to buy you 4 new tires and wheels because you broke one or two. It doesn't work that was, if they were responsible they would only be responsible for the damaged wheel. And they would only be responsible what you paid minus 2years of use. Not what 4 new wheels cost. And by you asking for the 4 new wheels and tires it really looks like you are trying to pull a fast one.
Again, if you had a special "one of a kind" blue paint on your car, and someone were to back into it, would you drive around with a single red door because they could not reproduce the paint?
No police report, no pictures of the car actually wrecked into curb, pictures from 3 different places..... Which one caused your wreck? It was the last hole, or a combination of the last two. I provided all images to show the state of disrepair the company had left the road when they were finished.
Talk is cheap.. I doubt that many are complaining. And have you checked on getting that wheel fixed, looks like there are several shops in your area that repair wheels.
Yes, it is unrepairable. and if it were repaired, nobody is willing to guarantee the integrity of the repair.
Edited to add
I'm also curious about how you got the car to two shops for estimates if you had to have it towed home.
Pictures, and professionals who make claims to know what they are doing. Such as "I have seen damages like this thousands of times, this is usually what is broken"
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11:32 AM
DL10 Member
Posts: 2350 From: Bloomington IL Registered: Jun 2000
I got $100 that says that wheel is repairable. I have a good friend that owns a custom wheel shop and I know for a fact he has had wheels repaired that had huge chunks out of them. They mig weld them up, put then on a lathe and then refinish them like new. They have a one year guarantee. Would you like his number? If you chose not to have the wheel repaired then you can take what they would pay to repair it add apply that to your purchase of new wheels.... Just because it's discontinued doesn't mean you get 4 new wheels. As long as you try and inflate your damages by asking for 4 tires and wheels to be replaced you get nothing. And in the last picture you showed where there was a small lip to the curb cut. If you hit that then why did you crash into the curb. Even if that bump did break your ball joint you would be in the intersection before you hit the curb. Your story is full of holes, and they are not in the street.
I think you should have painted your car red..... Then the door would have matched.
I have a friend that for the longest time I thought had the worst luck, then I realized it wasn't his luck but it was his choices in life that made it seem that way. Make better choices and you will have a better life.
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12:21 PM
PFF
System Bot
jaskispyder Member
Posts: 21510 From: Northern MI Registered: Jun 2002
You do know things depreciate over time and use, check that out. life times of rims, lifetime of paint and the rest, the worse the roads are or driving conditions the shorter their lifetimes.
look it up if you don't believe me.
don't expect new when you have older but it is your car do what you want, let it sit and use your other vehicle and put miles on that one, up to you.
Steve
------------------ Technology is great when it works, and one big pain in the ass when it doesn't
Detroit iron rules all the rest are just toys.
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12:59 PM
84fiero123 Member
Posts: 29950 From: farmington, maine usa Registered: Oct 2004
If I had a custom blue paintjob on my car, and you accidentally backed into my car, would you only offer to replace the door with a red one also?
Should I have to drive around on mis-matched wheels? looks ugly and seems unsafe to me. Would you guarantee my sefety with the fix that you propose?
Having owned my own custom paint shop for a very long time, I can tell you how this works in most states with most insurance companies. Most will ONLY cover painting the damage in a OEM paint job...unless you have a rider on your policy that says you have a custom paint job. If you look at your policy, there will be a section on what they usually term ' Customization '. If you dont have that your usually out of luck. This is what owners usually got when they bought the custom van conversions years back. I have had some flat refuse to pay anything over OEM paint on ONLY that panel. Some have worked with me to blend into adjoining panels for a little extra cost. A few have just said do whatever it takes. One that comes to mind was a van I did with a complete airbrushed wrap around mural of New York City. He HAD an insurance rider for the paint and they paid $8000 for a repaint from damages. Custom Candyapple paint usually has to be completely repainted. Some of the special Corvette colors like Aniversary Red also REQUIRE a complete repaint for a match even if its just a fender damaged. Mustang Laser Red Candy is also one of those colors you can almost guarantee wont match. I had one with a door ding and I spent over 9 hours working to blend it in 'good enough' to get by. The thing is these transparent colors get darker with each coat and spraying a spot, just makes the dark circle around the spot get bigger. If you do a whole panel, you have to have the same exact number of base color, pearl coat, tinted clear, and clear coats to match and it wont show up different till all 4 stages are complete. Trial and error could end up with 1/4" of paint on the panel.
So, if you have custom paint, wheels or an engine swap.etc....make sure you have it in writing that its covered in your insurance policy. Not in writing may mean your crap out of luck.
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01:18 PM
Shill Member
Posts: 2166 From: Spokane, WA Registered: Apr 2009
Just some simple math for those of you that think I would have had to been speeding to hit the curb after losing control.
Let's assume I am travelling about 2-3ft from the curb at 1/2 the max speed limit of 35. I obviously did not go directly at the curb at a 90 degree angle. Also 45 seems a bit steep. We can be generous and say it was about 20 degrees that it sent me off course. i would estimate the actual travel distance to reach the curb would be about 10-13 ft.
Just so everyone is on the same page, are you saying the thing I marked in the picture is the "semi pothole" that you hit causing your tire to blow out or your ball joint to break?
Kevin
[This message has been edited by Lambo nut (edited 09-24-2013).]
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03:39 PM
jaskispyder Member
Posts: 21510 From: Northern MI Registered: Jun 2002
Let me ask, is there a possibility you had a low tire, or such? I have run over things worse than that with low profile tires and didn't have an issue. Or maybe, just maybe you had a bad ball joint, or such, even though it was fine before this incident. Here is Michigan, we have much worse potholes (even the unfilled pics).
I don't know... I understand your frustration, but it really looks like this maybe up to your and your insurance, as this was not a 6" deep hole or anything like that. Sorry.
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03:46 PM
DL10 Member
Posts: 2350 From: Bloomington IL Registered: Jun 2000
We all make lots of choices, some good , some bad. You made a choice to only carry basic liability insurance, you had a wreck and want someone to pay for your damage. Bad CHOICE
You made another choice when you didn't report the accident , by not reporting the accident to the police in 4 days I think you broke the law in Washington. Another Bad Choice
You tried to get them to pay for more than your loss. Another bad choice
You continue to beat your head against the wall trying to get someone else to pay for your choices......... Yet another bad choice
And from what I read you are driving another not fully insured car while you try and get someone to pay for the wrecked car. Worst choice of all.
Start making better choices and your life will get better, keep making bad choices and you will continue to have bad luck. .
[This message has been edited by DL10 (edited 09-24-2013).]
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03:58 PM
DL10 Member
Posts: 2350 From: Bloomington IL Registered: Jun 2000
Just so everyone is on the same page, are you saying the thing I marked in the picture is the "semi pothole" that you hit causing your tire to blow out or your ball joint to break?
Kevin
I think it's this one ...... He said it was the last photo that caused him to wreck. The other photos were showing how BAD the road was
