stupid a-holes are probably going to win
By TheRealDawn
@dawnald (85146)
Shingle Springs, California
March 8, 2013 12:37pm CST
So yesterday Tony's insurance called him, in response to the letters we sent, I assume, and told him they were not going to pursue anything with the other insurance. They told him that it was up to him to do that.
(insert very grrrrd smiley here)
I am going to write another letter to the other insurance, and at least try and get them to cover 75% of his deductible. After all, they did agree that their party was 75% at fault.
Also, my sister (the attorney with the insurance experience) said she'd be willing to look over his policy this weekend to see what our recourse is.
Stupid cheap insurance.
Tony didn't do all the right things though. He should have called his insurance instead of agreeing with the girl's father when he said he would pay. It looks bad that they called the insurance first. And then he got mad and tossed all the information he had on them, the estimates he got for them, etc. And then he cashed the check that his insurance sent.
So unfortunately, I don't think we will get very far if we try and take them to small claims courts. But I do think we can at least get the other insurance to cover that $750. I will also make the argument about it not being his fault, but I doubt they will back down.
Stupid cheap insurance.
I AM absolutely, after this is all over, going to post a very negative review about his insurance company online for all to see.
5 people like this
14 responses
@suspenseful (40193)
• Canada
8 Mar 13
You have to be careful and Tony should not have agreed to pay with the girl's father. It was probably her fault and he was trying to be nice. But things have to be done with both insurances. I do think he could have gotten more.
2 people like this
@artemeis (4194)
• China
8 Mar 13
I wasn't hoping for this to eventually happen on you guys but Tony should have been more streetwise and alert in the first place. Accidents should always be treated seriously even when there are no casualties or fatalities, leave nothing to chance especially when it is no fault of yours.
I hope that all of you will pursue the matter even when the chance of winning is bleak not for the money but for the principle behind it. Even if the chance of winning is 1%, I feel that the effort should not be less than 100%. Don't give them the satisfaction of getting away easy.
Personally, I am against cheating and even if I were to loose fighting, I would at least have the opportunity of chewing the other party's head off.
@dawnald (85146)
• Shingle Springs, California
9 Mar 13
He should have been, but he was dealing with his dying father, and his stepmom getting on his nerves, and he just wanted to get his car fixed, no hassle.
I may write the other party a letter and tell them they ought to be ashamed of themselves.
1 person likes this
@dawnald (85146)
• Shingle Springs, California
11 Mar 13
One letter isn't harassment, but i don't really intend to write to them.
@artemeis (4194)
• China
11 Mar 13
Don't waste your effort writing to the shameful party and that you save it for the insurance company and authorities. Because you will just get yourself antagonize with harassment allegations which might complicate things.
Do the right thing and do it well.
1 person likes this
@wolfie34 (26771)
• United Kingdom
8 Mar 13
I think after all this hassle you have had, they should be paying YOU compensation for all the grief, time wasted and inconvenience. All you can do it put it down to bitter experience, and a lesson learnt, albeit the hard way. They do sound like a right load of whatnots! Is the company run by Mickey Mouse LOL
2 people like this
@GardenGerty (160696)
• United States
9 Mar 13
Yep, the commercials I see on TV often say that the cheap insurance gives you cheap coverage. It is good that you and your sister are going to bat for Tony.
2 people like this
@GardenGerty (160696)
• United States
10 Mar 13
I was actually thinking of another company, but that one works as well.
1 person likes this
@blue65packer (11826)
• United States
9 Mar 13
I am not one to fight companies. Wether they are car insurance or whatever! I like to give up to easy and I am ok with that must of the time.
I have cheap car insurance. My company has the Gecko as the spokesmen. I just have libility right now. I am suppost to get full coverage since I had to take a loan out and they put a lean on my car! I wouldn't do unless I absolutly have to! With my loans and other bills it will be hard to pay for more car insurance!
@topffer (42156)
• France
9 Mar 13
Frankly I would blame more Tony that the insurance. Despite of your efforts to help him, he made several errors, and the worst is that he should have never cashed the check from the insurance : it usually means that you agree with the insurance. I hope that you will get 75% out of court for him, but if it is not the case, I also hope that next time he will remember to row in the same direction than you.
2 people like this
@Lakota12 (42600)
• United States
8 Mar 13
NO thats not right they are the ones to pursue it thats really what they get paid for and yup he should have called his ins as soon as it happened. seemslike the oher feller was out forhimself and no help to TOny at all grrrrrrrrrrrrrrrrrrrr
2 people like this
@finlander60 (1804)
• United States
10 Mar 13
Once that check was cashed you, probably, don't have a legal leg to stand on. Cheap insurance is fine as long as you don't have a claim. It's when you have a claim that you find out the nasty truth. You should just chalk this experience up to a lesson learned and dump them before they RAISE YOUR RATES.
1 person likes this
@dawnald (85146)
• Shingle Springs, California
11 Mar 13
yeah, exactly. I'm going to see if he can get as good rates through AARP with a more reputable company.
@katsmeow1213 (28716)
• United States
8 Mar 13
Doesn't sound good.. especially since he cashed the check. I lost a small claims suit for that.
2 people like this
@wilsongoddard (7291)
• United States
8 Mar 13
About the only thing that is likely to come out of this is that a) the insurance company gets a negative review (or reviews, if you are feeling energetic) and b) he knows this for the next time (and, hopefully, there isn't a "next time" for this). *Sigh*
2 people like this
@cynthiann (18602)
• Jamaica
8 Mar 13
I do hope that he gets the money back. It does seem awfuly unfair to him so may be hyour sister will come up with someone to assist him. And yes, keep on it and write, write and then write some more. I had an awful experience with an Insurnace Compnay last year and was cheated out of so much money when I became ill
2 people like this
@dorannmwin (36392)
• United States
10 Mar 13
First of all, you definitely have to consider yourselves lucky that no one was injured in the accident as that would be something that you would be fighting for a long time to be compensated for (I was in my accident eight months ago and I'm still trying to get reasonable compensation for both my daughter's pain and suffering and my own pain and suffering).
That said, I don't think that he should have cashed the check that his insurance company sent to him unless he was happy with what they were giving to him. You definitely need to see about getting your sister to represent him in this battle because that is what this is going to be.
1 person likes this
@dawnald (85146)
• Shingle Springs, California
11 Mar 13
All is not totally lost. He sent the insurance companies two high estimates, and he's having the car done where he got a lower estimate, so he may not have to cough up the deductible at all.
It's annoying that he's going to have that 25% at fault on his record, but since he didn't keep records, there wasn't a police report, etc., that isn't a battle worth fighting, I think.
If he DID have to pay the deductible, $750 - $1000 would have been worth taking them to small claims court.
@WildHorses (718)
• United States
11 Mar 13
Part of the problem is that Tony did indeed cash that check. Cashing it does mean you have agreed on terms of the outcome. I remember I refused to cash my first check from Farmer's years ago until they could explain to me why I wasn't getting more back even though I only had liability.
What I don't agree on is that the insurance company has told you to pursue the other party on your own for the remaining balance. That's just unprofessional and tacky to say the least. Insurance providers are there for a reason. They are your voice and represent you. If I were told those same exact words, I would have stated back very clearly for them to understand that it is their responsibility to intervene with the other party's insurance.
1 person likes this
@dawnald (85146)
• Shingle Springs, California
11 Mar 13
Yeah, yeah, yeah, I know....
but at least he did one thing right, got his insurance two HIGH estimates, and they paid based on those, and now he's having the work done at the place with the lowest estimate. So he can at least get the most important work done, and not have to pay anything.
