I’m sorry I have nothing useful to add my friend other than I am glad your wife is 18.
Best wishes to a good resolution to a tough situation.
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Insurance refusing to cover some damage from rear end accident
- Thread starter Pkmmte
- Start date
I’m sorry I have nothing useful to add my friend other than I am glad your wife is 18.
Best wishes to a good resolution to a tough situation.
RScottyL
Member
True, but we do not know any additional information:
drivers age and driving history
any other cars on the insurance as well
LOL, i normally would not have believed it, however late last year I was paying that as my wife had gotten into an accident and my daughter (18) had gotten into two different accidents.
Geico was charging us about $850!
Finally dropped them!
I've seen policies north of $25,000 per six months. (not mine, I work for an insurance company)
calidreamz808
Member
I see a lot of people downing Geico, but when I traded my previous 2018 EV for my M3, my insurance only went up 20$ per month. Yes, you read correctly... $20. I changed nothing on my policy but swapping out the car. If you haven't noticed, i to live in SoCal. I've also not had any tickets or accidents ... ever. *knock on wood*
Yeah your insurance is good now, but if you ever need to use it, they're gonna fight you tooth and nail on everything. I'm crossing my fingers for you though
superbaka
Member
You dont have to do go trial, nor would you probably win. Courts are highly skewed in corporations' favor these days. Nobody here giving you ideas has read the contract you've signed or the insurance policy fine print. They have a LOT of leeway.
But if they don't show, you win. Therefore, the purpose is to get their legal team to walk over to the claims team, and say "This will cost $x to send our attorney to court, does it cost <$x to fix the window?".
If they want to go to court, you just dont show up. Or you can cancel it. Or you can fight them. Etc.
The point is that they will likely not waste more $. They have budgets for this stuff. Only 1% of people actually sue them, and its easier to pay those complainers off. Etc.
I'm not giving advice on what you should do, but you can read more about small claims and how it can help people. Its worked for me...I never went to court..but they put you on the phone with a "VIP customer service rep" who's goal it is to end things ASAP, or you just get a letter saying "Hi ok we've made that change please sign here to cancel the small claims suit. Thanks bye."
This literally could not be farther from the truth... ESPECIALLY if you live in California. Most companies will just pay money to make a problem go away.
Without going into too much detail... why was it so high? That’s outrageous!!!
Imagine an 18 year old in Manhattan with a Lamborghini and a couple of DUIs.
SageBrush
REJECT Fascism
Yeah, 25 seems to be right around the age where people start realizing they aren’t invincible. I’m well past that, but don’t get me wrong, I still do a bunch of stupid stuff and act like I’m 12, just not while hurling down the road in a couple of tons of metal at high rates of speed.That is what I hear -- until age 25 premiums are high.
Let’s have a show of hands. How many of you have driven well over 100 miles per hour on public highways? How old were you last time you did it?
Edit: yes, I’m old enough now to yell “get off my lawn,”
You know you are maturing when a Friday night involves going out to get some weed killer instead of going out to get some killer weed!Just as another data point - not trying to turn this into a p*ssing contest - but when my 2017 Bolt was totaled in February, Travelers *reduced* my premium by $10/m for my new LR AWD. They were also really great through the process, made in very easy.
Bill Foster
I'm going home!
superbaka
Member
You have no idea what you're talking about and have an elementary understanding of this topic. The reason companies want to avoid court has nothing to do with whether they win or not.
If you reread what I wrote, you'll see that I agree the company will not want to go to court and he will likely get satisfaction.
We'll just have to agree to disagree. I will say, though, that the more I look at your profile picture the more I like that combo!
It is not uncommon for the initial inspection to not uncover all of the damage to the car, so I don't buy their excuse.
If you file a claim with your insurance, their can do one of three things:
1) Deny it, because they can claim that it is a manufacturing defect.
2) Treat it as a result of the rear-end collision, and waive your deductible. Since it is the same company, they don't need to go after some other company to get your deductible back.
3) Treat it as a result of some other accident, and your deductible would apply.
Geico is the worst insurance for any car, if you need to file a claim against their policy. They will reject, deny, delay, and insist on using used / 3rd rate replacement parts, at every turn.
Geico is one of the best if you are shopping for low monthly premiums.
Somehow, folks fail to correlate the above two observations, until it's too late.
For OP - take it to the body shop of your choice, and ask them to file a supplemental claim on your behalf for the additional damage that they ALWAYS uncover once they start taking parts off. Remind them to include the rear glass in the supplemental.
If Geico reject that claim, proceed to straight to small claims court.
Also, don't forget to switch insurance companies after everything is done and over with!
a
Yup, I did. Unfortunately, they were taken at angles that made it very hard to see, so they're taking that as the damage not being there.
The Tesla Pomona body shop already knows me well enough that they told me they vouch for me since the beginning. Unfortunately, that did not work and the adjuster still denied the glass supplement.
I ended up calling that adjuster's supervisor to reschedule another inspection. They had a different adjuster (3rd one so far) come to my house and take a look at it this morning. I explained the whole situation and showed photos, but nothing. Still denied.
Saying it wasn't been there since the beginning and that supplements only apply to internal damage not usually seen from the outside.
I guess I'll be taking them to small claims court now. Unfortunately, I'll have to stay with Geico as everyone else is way more expensive and I'm already paying $750 per month.
Unfortunately, no.
Exactly!!No he can't - BECAUSE of how much he's paying insurance!
That's correct.
Zero at-fault accidents. Zero accidents in general at the time I got this pricing.
Only 3 not-at-fault claims. There were zero at the time I got this quote. The other people in the policy have a perfectly clean driving record.
