So Angry Right Now

[teddy_radiator]

I knew that they would give us trouble. I just knew it. Anytime insurance companies are involved, trouble soon follows.

We were rear-ended by a bob-tail 18-wheeler at a stop light. We were stationary. The driver admitted fault. Now his insurance company (the one he gave the police as his insurance company) say that since he was not hauling a load for them (ie working for them at the time), they may not have to pay out even though the vehicle is insured by their company. Now we're just having to sit and wait for the adjuster to pick his teeth and call us back. Bastards.

I don't know where this leaves us. We will contest, of course, but this has never happened to us. We are just not litigious people.

I will say this - if it comes to going to court, they are going to wish they'd just paid out the $4K to fix the damn car. Because we will sue for court fees and mental anguish as well. This is just not on, and it's not fair.

Comments

[theimpossiblegl.livejournal.com]

WTAF??? I'm so stinking sorry Teddy 😔

[akatnamedeaster.livejournal.com]

Trust a company to try and weasel out of responsibility. So if the companys insurance wont pay, what about the drivers? He also has to carry insurance and so he is on the hook. Theres no way around it.

Sorry you're in this mess🤐

[m-mcgonagall-65.livejournal.com]

If he wasn't under dispatch for the trucking company, he is supposed to have his own insurance to cover an accident  (at least, most trucking companies require that, but drivers have been known not to carry their required coverage). At any rate, have the adjuster check on that possibility.

[toblass.livejournal.com]

Have you tried talking to your own insurance? You may have to file a claim with your own ins and they will work it out with the other party.

[lemonade8.livejournal.com]

Did you tell your insurance company? They should be fighting this battle for you.

[lemonade8.livejournal.com]

Someone already said that. Sorry. My mom works for State Farm and I hear stories like this all the time. Your insurance can get their lawyers to give them the old "Oh YES YOU WILL!" treatment.

[teddyradiator.livejournal.com]

We spoke to our Insurance (we're also with State Farm), and they said that we just need to sit tight for a bit. If they flat out refuse, then they can kick into gear. They have tried their best to help, but they need for the other guys to make the next move. We feel a little better after speaking to them. Thank you for the great advice.

I wish your mom was our agent. Ours is being a bit crummy about it. He really chewed out his assistant (within our earshot) for calling the other agency and getting the ball rolling for us. We let him know not only did we hear him chew the guy out for helping us, but reminded him that we've been paying our monthly insurance on time and in full for the last six years without so much as a prang or a question, and the least he could do was give us some advice. He was properly chagrined and did a lot of damage limitation, but ultimately wasn't much help.

We do feel better after speaking to their claims department.

[snapebraille4tu.livejournal.com]

Okay, was going to mention this too! I'm glad they got the ball rolling. It sounds like a wait-and-see-game starting....which is a total pile of shit. Someone should be bending over backwards to help you rectify this situation! In the meantime, keep being your biggest advocate (which is so hard to do sometimes, at least for me!) Sending you and your hubs big love and hugs! ❤️

[lemonade8.livejournal.com]

Oh, my Momma would have gotten the ball rolling, dribbled it and scored a basket. You don't mess with her clients, they are her second family. But she's not the agent, she's the office manager.

I'm glad that the claims rep could help you.

[eoforyth.livejournal.com]

(((HUGE HUGS))) to the pair of you. If they are being awkward, threaten to add in loss of earnings/potential earnings, cost of alternative transport, and anything else you can think of if they don't cough up a settlement asap . I hope you can get this sorted.

[lenaa1987.livejournal.com]

What?!!! That is awful!!!! Does it not work this way - your insurance pays you to fix your car, then goes after the at fault driver? You should not be dealing with this crap. Poor love - I'm so sorry all of this is going on.

[kellychambliss.livejournal.com]

Oh, Teddy, no wonder you're angry. Insurance is nothing but legalized racketeering. I'm very glad that you and your husband are all right, though.

[hbart.livejournal.com]

Oh Teddy ... I have no words. Hugs will have to do.

[blueartemis07.livejournal.com]

I've discovered that insurance in the Carolinas scares me. Best of luck.

[reg-flint.livejournal.com]

<3 Tell them if they don't pay, your private muse will hunt them down with Sectumsempra and he's just warming up.

[dickgloucester.livejournal.com]

How unbelievably fucking petty of them.

Supporting you all the way.