Freaking lady hit my car....

[MotoSook]

Lynn,

I think this started with the suggestion of poor color matching. I don't think anyone is suggesting that he rape the insurance company, but if the paint will make the car look like it's been in an accident and then repaired, well....he should not be happy. Should he?

I PPI'd a car once with a repaired area similar to that which is needed here. It was black and hard to tell. Shiny and straight. But upon closer inspection, it was obvious to me that the paint was different between adjacent panels. That led to discussions of what happened and how it was repaired. Was it straighten? Is the chassis weak or not so straight...on and on...

Bottom line, the owner knew the repair had devalued his car. He didn't come out and state it at first, but it was obvious he should have.....

Transaction was not completed!

[MotoSook]

I can't speak for anyone else, but the insurance industry is certainly not poor. I haven't posted on the OT threads you mentioned, so I don't think I'm in conflict here.

I have no love for the insurance industry, and I won't let them walk over me if I can help it....

...politics?...not my game...I don't know how to play it so well

[kqw]

I had a lady back into my car with one of those SUV's and scrape the bumper, crease the quarter panel and damage the light bezel. The insurance company had the shop do the entire bumper, fix the quarter paner ( no bondo) replace the bezel and blend the paint which required a full fender and hood respray. $2,600.00.

If you are going to drive an SUV, learn how to drive it or pay the price.

[markwemple]

Lynns, no imbalance. Conservatives like to srew but hate to be screwed. Actually, considering how much they screw their neighbors, I'm amazed that the world isn't full of them and not just the US

[Randy Webb]

When I worked for a federal judge, one of his previous clerks was sometimes talked about -- everyone wondered why a nice person would take a job with "Satan & Satan" (a firm that defended insurance co.s). He was a Republican Judge, BTW.

So ... can we draw an inference from this little tidbit?

I agree re the apparent inconsistency LynnABC notes above, tho.

[sundaypunch]

Originally posted by LynnsABCs

Making an observation only . . . I think it is very curious that this thread has a strong slant toward getting all you can from the insurance company and yet if you read the OT section of this board, there seems to be a strong dominance of conservative Republicans on this board who want to pay less taxes of all kinds and who support the current administration who has a strong financial link to big business.....

...Am I the only one who sees this imbalance?

Lynn rocks

That is right on the money.

[techweenie]

For a lot of folks, morality and ethics are important for the *other guy* to have... but only optional for themselves.

[araine901]

The wrong forum??

Sounds like someone was looking for a reason to make things political...

I think the differneces is people paying premiums only to have the company that you have enterd into a contract to share the risk with make a conserted effort to short change people. As a recovering insurnace adjuster I can tell you I had to over justify claims I paid compared to ones I declined coverage. Trust me, from an inside perspective, most adjusters are reqired to look harder for ways to mitigate payment than they are to look for ways to make payments.

I am strictly against taking advantage of insurnace companies becuase it makes us all pay more. Trust me if anyone is fool enough to attempt fraud these days they are asking for trouble. The tools on they use now days would scare you. within minutes we could see how many claims you had ever made to any insurnace company ie: Home owners, workers comp, etc. for a few bucks more I could see your credit and a whole bunch of other interesting things.

BTW, things only look imbalanced if you stand too far to one side or the other. Honestly there is only a dimes bit of difference between the left and the right these days.

And after 9/11 and the mold and construction defect epedemics the plaintiffs bar has stirred up, Ins companies are no longer sitting fat and happy,

[Rob Channell]

One of the local guys here got rear ended by a woman in a minivan in a stock mid 70's 911S. He added a little money to the claim amount and now has a beautiful baby IROC look car. I think this is just an opportunity for a subsidized upgrade in paint and bodywork.

Rob

[Aussie]

Making an observation only . . . I think it is very curious that this thread has a strong slant toward getting all you can from the insurance company and yet if you read the OT section of this board, there seems to be a strong dominance of conservative Republicans on this board who want to pay less taxes of all kinds and who support the current administration who has a strong financial link to big business

What this has to do with politics I will never know.

And I don't know how you can assume which way the majority of people on this board vote.

It's about standing up for your rights.

You pay your insurance money so if you have a smash, your car will be fixed so it is at least as the same standard it was before the crash.

[araine901]

Well I am gald Lynn wasnt trying to turn this into a political discusion. I was confused there for a bit.

I can see where it can be confusing or seem imbalanced to want to get more than the half assed repair back after paying premiums for however long. I guess if I was one political party I would think this was just peachy and if I was anohter that this would suck. That is the biggest load of bunk I have ever heard.

"Aussie wrote that "You pay your insurance money so if you have a smash, your car will be fixed so it is at least as the same standard it was before the crash". If the paint was faded before the wreck, the repair should also be faded by that logic."

This exactly the case with indemnity and depreciation I was speaking of. The insurnace company only owes you to restore it to the condition it was before the loss. If that means faded paint and you push to get it exact, you will get faded paint (ie color match and matte clear or just toner, I have seen it). Other wise you WILL end up with new shiney paint in one spot and faded in the rest. Most likly if the loss vehicle has faded paint and the damage is minor you will be offerd an appearance allowence, thats it.

I am gald we could have this chat.

[mrizvi66]

Man this thread really spiraled out of control...

[markwemple]

I guess it is one the insurance industry should read and learn from. I don't think any of us would forthrightly state that someone should defraud a company unless they felt they had been defrauded themselves. The industry has clearly earned their bad reputation. Too bad they could care less about improving their image.

[911ctS]

Originally posted by markwemple
I guess it is one the insurance industry should read and learn from. I don't think any of us would forthrightly state that someone should defraud a company unless they felt they had been defrauded themselves. The industry has clearly earned their bad reputation. Too bad they could care less about improving their image.

Well said.

I personally have no tickets and no accidents on my record (knock on wood). Common sense and good humanity might lead one to think I get some kind of a discounted rate. Or my rates would be gradually dropping. Do you think this is the case? Hell NO!! they could give a flyin $h!t if they save me money because they dont have to. Why would they give me a discount or reasonable rate? I dont know, maybe because I cost them about 0 dollars a year. Like someone said earlier, they need to burn the horrid drivers not the good ones. Make it so expensive for the ticket holders and accidental drivers that they cant afford to drive. I sure as heck dont want to pay it.

So... with this logic and my sense of whats "right" and "wrong". ("right" meaning treating others as you would want to be treated) I feel as though these insurance companies are in the wrong and it is my personal duty to watch my own back. Thats my opinion on this situation.

[araine901]

You are absolutely correct. The problem is the bad drivers do pay higher premiums. The part that sucks and most people don’t realize that any claim history (your fault or not) counts against you. In addition to this, your credit score is part of the actuarial equation used to statistically determine the probability of you claiming a loss. The theory is people in greater financial danger are more likely to claim a loss real or fraud. One of the key problems is the auto carriers in general treat their employees poorly and have high turnover so you end up with adjusters who don’t see the big picture and work to sound claim result by factoring in the total claim cost i.e.: cost to defend , bad faith, ill will, etc.

About the best thing that you can do is have a good relationship with your agent so they can go to bat for you since they are a larger piece of the business than you as an individual are. When the retail agent and the general agent gang up on the carrier it makes things better for you than just you arguing your point.

[vash]

i think car accidents bring out the excitement in all of us. it hits really close to home. my most pissed off moments have always been involved with some bastard hitting something i drive, and paid for. like the time i came out to my parked truck and found my bumper placed into the bed with a note that said "sorry". mothereffer! or the dude that hosed me for my trailer hitch bumping his POS car. mothereffer #2. the dude that tried to push me into parked cars when i was on my motorcycle, he was okay until he tried to run! mothereffer #3 (run from a sportbike in san fran traffic? puleeze!) or finally the guy that rear ended me in my camaro causing it to stall. once he saw i was dead in the water, he ran! king of the mothereffers! and through it all, my insurance companies paided nicely and rewarded me with increase premiums. it is win/win for them 100%. which makes them the grandpubas of mothereffers.

[mrizvi66]

Originally posted by unfixed
i think car accidents bring out the excitement in all of us. it hits really close to home. my most pissed off moments have always been involved with some bastard hitting something i drive, and paid for. like the time i came out to my parked truck and found my bumper placed into the bed with a note that said "sorry". mothereffer! or the dude that hosed me for my trailer hitch bumping his POS car. mothereffer #2. the dude that tried to push me into parked cars when i was on my motorcycle, he was okay until he tried to run! mothereffer #3 (run from a sportbike in san fran traffic? puleeze!) or finally the guy that rear ended me in my camaro causing it to stall. once he saw i was dead in the water, he ran! king of the mothereffers! and through it all, my insurance companies paided nicely and rewarded me with increase premiums. it is win/win for them 100%. which makes them the grandpubas of mothereffers.

Man you've hit by some of the biggest *********s!!!

[Aussie]

Aussie wrote that "You pay your insurance money so if you have a smash, your car will be fixed so it is at least as the same standard it was before the crash". If the paint was faded before the wreck, the repair should also be faded by that logic.

Unfortuantly buying oxidized paint is as hard to find as buying a short fuse, glass nails and left handed screw drivers.