Any Auto Insurance Gurus around (Accident Related)

First and foremost, frick USAgencies. Long read, and yes I'm mad.

I was west bound on a two line highway driving 50mph in a 45mph zone. Guy behind me either was not paying attention or thought I was going too slow. Either way, he tagged me in the back.
I stopped my vehicle pretty quickly, so quickly he has to slam on his brakes. He slides towards the shoulder, I hear pings on my car as he is stopping. He hit some gravel on the shoulder and it hits my car. Guy gets two citations, report is written and he is at fault. This happened on Dec. 18th.

File a claim on the same day. No one calls me for a couple of days, Finally I get a call to setup appraisal. Appraiser looks the vehicle over thinks it is straight forward, guy hit me end of story. I show him the rock pecks on the right rear panel. He tells me he can see what I am saying, but says "I don't know how I can explain it". I tell him I can't help how he explains it, I just know it was not there prior to the accident. I tell him where the accident was, he goes over takes photos, you can see the skid marks going to the side.

Few days go by, I receive a check for $1240.00, no estimate, just a check. I call the insurance company, The adjuster doesn't answer my calls for two days. I finally get someone to email me the estimate, doesn't include the rear panel damage. I call and I call, finally I get ahold of someone who transfers me to a supervisor, who talks to the adjustors supervisor and tells him to call me.

I explain the accident again to him, I am told that would be a supplement if necessary but they aren't accepting liability on that damage. I tell him it was part of the accident, he tells me I have to prove it. He goes on google maps, pulls the location, sees gravel along the shoulder, and submits photos. Tells me his supervisor will call me at the end of the day. I explain to his supervisor what occurred. He tells me it seems logical that could happen, but the fact that I thought the guy may have intentionally hit me, changed the realm of the claim. Because intentional damage they do not have to pay for. He states until they get the police report they are going to deny my claim as in if I bring it in for repair, they will not cover any hidden damages, and will request the $1240.00 back from me due to them not having to pay me.

Today, I purchase the police report. Statement is very generic. No statement from either driver. Basically Driver of vehicle one hit vehicle two while vehicle two was approaching intersection. No mention of any damage or anything. So I send it over to the insurance company. I ask if we can proceed with the full repair of my vehicle, response from supervisor is basically he sees no problem honoring my claim. However, when I call to setup a repair and rental. I am told they are only paying for the bumper and thats it. I tell them what the manager said, he tells me that isn't what he said because he was copied in on the email. I read the email word for word to him and ask for his manager.
She has an attitude from the start, basically unless you have the police report changed, we are not paying for shite. I tell her what her manager told me, she again says I am wrong, I read it to her. She tells me that isn't what he meant, so I ask to be transferred to the main manager.

I speak to the head guy, he tells me, well I spoke with the driver. He said it didn't happen that way, and I have to believe him. I tell him about the email. He tells me well, that isn't what I meant. I meant as far as fixing what we are liable for. Then he tells me I can go through my insurance company and he will pay my deductible if I want the rear panel fixed. Of course I get pissed and blow up on the guy, tell him I'll have an attorney contact him etc.

I ended up cooling off, called the collision center, he tells me from the photos I sent, they may end up having to get into that panel for repair anyways, so it should not be a big deal. So I am like ok, so I'll just call and get them to set me up a rental.

I talk to the adjustor, he tells me that it's Tuesday, and they won't pay for a rental until the parts are in for the car. My point is how do they know what parts are needed until they get in and make sure nothing else is damaged, that way they can order all the correct parts they need. He says too bad, I'm just going to have to wait until the parts are in. I tell him how my exhaust is bent and I am worried it will affect the engine. He tells me if there is an engine issue they will look into it after the repair. Then I tell him that my rental has to be comparable to what I currently drive, which is a luxury vehicle. He tells me they are only required to pay for an intermediate vehicle.

fricking insurance companies. I swear it's bullshite how these little fly by night cheap arse companies refuse to fix shite and act reasonable for their piece of shite clients.


Moral of the story, if you are one of the assholes with these shite policies, frick you. secondly, I know you assholes are in Baton Rouge, so I hope you read this, then I hope you die in a fricking fire.