Got to agree with the squeaky wheel gets the oil concept. My allstate
adjuster disallowed about $300 in repairs when the family battle wagon took
some battle damage from a Japanese car (the wagon drove away under its own
power, the import did not) that failed to a stop at a stop sign. Some of the
items I felt could be legitimately questioned by the insurance company but
were nonetheless accident related (like a bent antennae and a broken wiper
arm). However, the insurance company would not pay up claiming that the
etiology of some of the damage was not accident related. They eventually paid
up after I reached the adjusters bosses, bosses, bosses, boss (I think I was
getting close to the insurance God him/herself) and carried on, without
commas, about how despicable they are for treating a good customer this way.
Yes, it sometimes does pay to be a royal pain in the ass.
Dr. Doug
A bunch of 69 MGs
the adjuster and his bosses heard from me some ohat was not good enough and
of course according to the adjuster (implicitly) I must be ripping off the
insurance company.
I just kept hounding the adjuster (and all the bosses) until they cried uncle.
-----Original Message-----
From: owner-mgs@autox.team.net On Behalf Of Aron Travis
Sent: Sunday, August 10, 1997 1:26 AM
To: mgs@autox.team.net
Subject: Re: What about the insurance?
DANMAS@aol.com wrote:
> Agrred value only puts a limit on how much the insurance company has to pay
> to replace your loss. All the insurance company is required to do (at least
> in TN), by law, is 1) return your car to the condition it was in before you
> suffered the loss, either by repair or replacement
This subject came up on another list, one thing to watch out for is that
most states allow the repairs to be done with used parts. Now I got
nothing against used parts, but, what is acceptable to me may be
quite different to what is acceptable to the insurance adjuster.
Problems occured when the person agreed a used wheel and fender were
acceptable, but not used suspension components.
The conclusion to the thread was that to succeed with a insurance
adjuster you have to be a real a-hole about it. Refuse to sign things
until you are satisfied, approve all parts before they get installed,
you decide what gets repaired, relize you have the right to a quality
repair, with quality parts, at the shop of your choice.
And have as much proof as possible to the condition to your car. If
your insurance company required pictures of your car, update them on a
yearly basis. Get the car appraised, save all recipts, know how much
parts cost, etc.
-Aron-
"in a frenzy"
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