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Started By
Message
Auto Insurance Claim Fiasco Thoughts?
Posted on 3/28/16 at 9:43 am
Posted on 3/28/16 at 9:43 am
Alright guys, wanted to get the OT's thoughts on this nonsense (IMO) that I've been dealing with.
I have auto insurance (as well as many other services) from USAA. For the most part I've found them extremely helpful and have been very pleased with their products so far. However, recently my car was involved in a hit and run while in a parking garage (F me right). The resulting issues and USAA's response to them has been extremely unpositive to me, and I want to see if I'm missing something.
The damage to my car was on the front passenger side. I called USAA, they called a front wheel-lift tow truck to tow it to the shop. When it gets there, the body guy asks if we're also repairing the rear damage. I said what rear damage? Turns out the car shows up with a big dent in the rear trunk. The biggest issue is there's no impact or damage to the rear bumper so after talking with the body shop we pretty much agree the only plausible way this could have happened is if the tow truck backed into something while my car was elevated and thus the trunk was protruding out further than the bumper. If it wasn't on an incline like this then the rear bumper would have to have damage as well.
When following up with USAA, they say they can't prove the tow truck guy did it so it will need to be an additional claim with a $250 deductible. This is ridiculous to me. As far as I see it, the tow truck is essentially a subcontractor that USAA hired to outsource the towing. I will do as much as I can in regards to pictures or statements to assist in them being able to make a claim against the tow truck, but if they're unable to do so that should have no impact on me. The risk of outsourcing or hiring a subcontractor shouldn't be transferred to me.
In my opinion this is all tied to the original incident. The tow truck company that USAA called for that incident caused this damage. This shouldn't be a second claim as it was USAA's decision to use this service in response to the initial claim.
Thoughts?
TL/DR: Insurance companies suck (I know, water is wet and women are sluts).
I have auto insurance (as well as many other services) from USAA. For the most part I've found them extremely helpful and have been very pleased with their products so far. However, recently my car was involved in a hit and run while in a parking garage (F me right). The resulting issues and USAA's response to them has been extremely unpositive to me, and I want to see if I'm missing something.
The damage to my car was on the front passenger side. I called USAA, they called a front wheel-lift tow truck to tow it to the shop. When it gets there, the body guy asks if we're also repairing the rear damage. I said what rear damage? Turns out the car shows up with a big dent in the rear trunk. The biggest issue is there's no impact or damage to the rear bumper so after talking with the body shop we pretty much agree the only plausible way this could have happened is if the tow truck backed into something while my car was elevated and thus the trunk was protruding out further than the bumper. If it wasn't on an incline like this then the rear bumper would have to have damage as well.
When following up with USAA, they say they can't prove the tow truck guy did it so it will need to be an additional claim with a $250 deductible. This is ridiculous to me. As far as I see it, the tow truck is essentially a subcontractor that USAA hired to outsource the towing. I will do as much as I can in regards to pictures or statements to assist in them being able to make a claim against the tow truck, but if they're unable to do so that should have no impact on me. The risk of outsourcing or hiring a subcontractor shouldn't be transferred to me.
In my opinion this is all tied to the original incident. The tow truck company that USAA called for that incident caused this damage. This shouldn't be a second claim as it was USAA's decision to use this service in response to the initial claim.
Thoughts?
TL/DR: Insurance companies suck (I know, water is wet and women are sluts).
12
Posted on 3/28/16 at 9:46 am to FootballNostradamus
contact the garage and see if there is camera footage of the incident. You're gonna have to sweet talk them though in order to see the footage.
Posted on 3/28/16 at 9:48 am to FootballNostradamus
Would not pay the extra deductible. I'd be an a-hole about it but they're obviously trying to get more money out of you. Didn't they do an inspection prior to towing it? That's standard procedure I believe.
Posted on 3/28/16 at 9:50 am to FootballNostradamus
you have no pics of car to prove?
Posted on 3/28/16 at 9:52 am to FootballNostradamus
Usually the tow truck driver does a walk around and notes any existing damage before he hooks up vehicle. The tow truck driver didn't do that in this case?
Posted on 3/28/16 at 9:54 am to FootballNostradamus
quote:
they say they can't prove the tow truck guy did it
this is the key to the whole argument, without proving the tow truck driver did it they are off the hook. who is to say that the damage to the trunk did not happen 3 months ago? In short, figure out how to prove the tow truck driver did it
Posted on 3/28/16 at 9:58 am to FootballNostradamus
Two separate events, you'd have to pay a separate deductible if you filed a second claim. Double kick in the pants to you since you were nowhere near the car for either.
The two company should pay for the damage to the rear of the car, but they'll probably try to absolve themselves some kind of way leaving you with the burden of proof.
Check with the parking garage and see if they have cameras. If so hopefully the caught both impacts leaving you with some hope of getting one or both deductibles back (if you have to pay the second).
The two company should pay for the damage to the rear of the car, but they'll probably try to absolve themselves some kind of way leaving you with the burden of proof.
Check with the parking garage and see if they have cameras. If so hopefully the caught both impacts leaving you with some hope of getting one or both deductibles back (if you have to pay the second).
Posted on 3/28/16 at 9:59 am to Tshiz
The deductible doesn't go to the insurance company.
Posted on 3/28/16 at 10:04 am to FootballNostradamus
I had a claim with State Farm once that was front and rear collision that happened in the same accident. Pulled forward, hit a pole. Backed up, hit something else.
State Farm told me it was two separate accidents.
I basically told them to F off. I spent an hour on the phone negotiating with them and they finally agreed to charge it as one accident.
State Farm told me it was two separate accidents.
I basically told them to F off. I spent an hour on the phone negotiating with them and they finally agreed to charge it as one accident.
Posted on 3/28/16 at 10:06 am to CaptainsWafer
You're missing the point.
Besides, it's His insurance company, so it's company out of His insurances pocket.
Besides, it's His insurance company, so it's company out of His insurances pocket.
This post was edited on 3/28/16 at 10:06 am
Posted on 3/28/16 at 10:17 am to Tshiz
What point, if it's handled as two claims or as one the insurance company will be paying the same amount, outside of his $250 deductible (which will be paid to the shop by the OP).
Posted on 3/28/16 at 10:57 am to CaptainsWafer
quote:What he said.
CaptainsWafer
Posted on 3/28/16 at 11:23 am to FootballNostradamus
I'd try and go through the tow company, otherwise check garage cameras. Other than that your SOL.
Posted on 3/28/16 at 11:38 am to FootballNostradamus
Sucks for you, but if it did happen with the tow truck, that's two different accidents. One they are using your UM policy, the other would go after the towing company. I would try to fight it, but could understand their point of view.
Posted on 3/28/16 at 11:39 am to CaptainsWafer
quote:
What point, if it's handled as two claims or as one the insurance company will be paying the same amount, outside of his $250 deductible (which will be paid to the shop by the OP).
Two claims is a huge point, you'll be rated with two claims on record, big difference in surcharge premiums.
Posted on 3/28/16 at 11:43 am to Red Stick Tigress
quote:
Pulled forward, hit a pole. Backed up, hit something else.
Women drivers... God damn
Posted on 3/28/16 at 1:19 pm to Tigeralum2008
quote:
contact the garage and see if there is camera footage of the incident. You're gonna have to sweet talk them though in order to see the footage.
I tried. They have camera footage but won't give it to me (even though it's my apartment complex's parking garage).
This is a whole other incident that has me furious.
Posted on 3/28/16 at 1:19 pm to Tshiz
quote:
Would not pay the extra deductible. I'd be an a-hole about it but they're obviously trying to get more money out of you. Didn't they do an inspection prior to towing it? That's standard procedure I believe.
He most certainly didn't, and it didn't cross my mind to have that done (I'm an idiot I guess, never been in a wreck before).
Posted on 3/28/16 at 1:21 pm to Tigerpaw123
quote:
this is the key to the whole argument, without proving the tow truck driver did it they are off the hook. who is to say that the damage to the trunk did not happen 3 months ago? In short, figure out how to prove the tow truck driver did it
How in the world would I prove that? I think the nature of the damage is my best argument. As mentioned, there's no damage to the bumper or anywhere else on the car. The car almost had to be inclined for this to happen, and the only way for that to happen is with a front wheel tow lift (as was the case with this tow truck).
Posted on 3/28/16 at 1:22 pm to FootballNostradamus
quote:
They have camera footage but won't give it to me (even though it's my apartment complex's parking garage).
What is the point of having cameras if you can't view it after an incident?
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