This whole situation is fucking ridiculous!!
So the lady who rear-ended me and the lady I was knocked into are with the same insurance company. (I'll call it "M.") I have insurance "W."
Like I said, I drive safely so I don't have to deal with this sort of crap. So I immediately called W to report the accident. They sent someone to my house to look at the truck. He said the air intake was definitely messed up, and it looked like some minor damage to the radiator. It won't be a problem for maybe six months, but he said it's likely the radiator will go out sometime shortly.
This was two weeks ago. W called me a few days later. They wanted to total the truck, but were offering almost twice what I was finding for the blue book value. And that was after they'd subtracted a prior dent from a couple of years ago (so small, we'd never dealt with it).
But everyone, including the investigator from W, suggested going through M if they would handle it, so as to not have to pay my deductible (or subtract it from the total payout).
I've been going back and forth with M since!
They sent me to a local collision repair center last Tuesday. A girl, who didn't seem especially bright, took a lot of pictures, took my info, and said they'd contact me Wednesday with the estimate, and upload the info to M.
Wednesday comes and almost goes. About 4:30, I call the collision center. The manager tells me he should have the estimate in the morning. Then he tells me he wants me to bring it in again
, because if it's a borderline total, he wants to be sure.
Keep in mind that M won't just take W's word for the damages.
So I take it back Thursday afternoon. The manager takes the same pictures (and, while I'm waiting, I overhear the girl I dealt with on Tuesday--she seems totally incompetent). He assures me twice that they'll have the info on Friday, and send it to M. However, despite what the first girl said, they can't give a quote on the phone.
Friday afternoon, I call the adjuster at M. She has not received an estimate, but says she'll call. So she does, and calls me back five minutes later. Apparently the prior dent--which is smaller than my fucking palm!!--is causing a holdup on the estimate. But the guy is going to plug the info into his computer that afternoon, come up with an estimate, and upload it to them over the weekend.
The prior dent was in the side fender. A lot of the damage from the wreck was on the side fender, too. (The dent was positioned so that it was obvious it wasn't from the same collision.) M won't repair the fender without repairing the entire thing, and the value of the prior damage would be at my
W had already told me that the value for this dent was within $8 of my deductible. So, although I wouldn't have repaired the dent otherwise due to it being just under the value of the deductible, and I'm not too happy about having to fix it to take care of the other damage, I can live with it. Basically, I'm out $492 for this, or $500 if I go through W and deal with the deductible.
However, she mentions that it shouldn't be a problem fixing it, as the manager told her it looked like "about $1000-$2000." Keep in mind that there's body damage to the bumper, truck bed, front fender, and the cab, as well as definite air intake damage and likely radiator damage. Also keep in mind that W has offered me more than twice that to total the truck. (Yeah, they want me to get a new car at a higher insurance rate, but even then that figure seems way out of the realms of logical if there's so little damage.) I'm suspicious that he's lowballing things, knowing that if the truck is totalled, he gets nothing.
So I give it a couple of days. Neither M nor the collision center call, so I called the center this morning. As they won't do the estimate verbally, I asked for a faxed copy. I was told it would be right over. Four hours later
, I'm so totally fed up with these quacks that I call M.
Guess what? There is no estimate yet!
I've been told three times it would be sent to me, and it didn't even exist! They're still
using the tiny dent as an excuse!
The lady from M assured me all damage from the accident would be taken care of. But she wants to protect M's bottom line, and has no stake in whether my truck is fixed or not.
Under no circumstances am I having a shady operation "taking care" of my truck without giving me written proof of what they're doing.
And once it's worked on, M's off the hook. I sure as hell don't want them to fix everything but the radiator, and then that blow up on me two months from now.
So, screw it, I'm taking the money from W. Hopefully it won't screw up my rates too badly.
I'm so incredibly frigging sick of a certain insurance company I don't want to call by name, but it shares its name with a bisexual lead singer of Queen who died of AIDS in 1991.