Bumper cover experts, Help!

[Kevin]

this thread reminds me of why I don't dd my car

[LGAFF]

This is from NY Reg 64, while some of the statutes state insured(1st party).....the Reg outlines that intent of the regs are for any first of third party claimant.....clearly the company is not acting in accordance with the Fair Claims Practices of NY........I 110% gurantee you that a call to the DOI or a Claim manager would resolve this issue.....

Directions for filing a complaint are at the bottom and should be on all letters sent out....


(d) Section 3412 of the Insurance Law has been implemented by section 216.8 of this Part.
(e) Claim practice principles to be followed by all insurers:
(1) Have as your basic goal the prompt and fair settlement of all claims.
(2) Assist the claimant in the processing of a claim.
(3) Do not demand verification of facts unless there are good reasons to do so. When verification of facts is necessary, it should be done as expeditiously as possible.

11 NYCRR 216.6 Standards for prompt, fair and equitable settlements
(a) In any case where there is no dispute as to coverage, it shall be the duty of every insurer to offer claimants, or their authorized representatives, amounts which are fair and reasonable as shown by its investigation of the claim, providing the amounts so offered are within policy limits and in accordance with the policy provisions.

(1) repair the property to its condition immediately prior to the loss; or
(2) replace it with an item substantially identical to the item damaged. Such amount shall include all monies paid or payable as sales taxes on the item repaired or replaced. This shall not be construed to prevent an insurer from issuing a policy insuring against physical damage to property, where the amount of damages to be paid in the event of a total loss to the property is a specified dollar amount.


(g) Checks or drafts in payment of claims; releases. No insurer shall issue a check or draft in payment of a first-party claim or any element thereof, arising under any policy subject to this Part that contains any language or provision that expressly or impliedly states that acceptance of such check or draft shall constitute a final settlement or release of any or all future obligations arising out of the loss. No insurer shall require execution of a release on a first- or third-party claim that is broader than the scope of the settlement.
(h) Any notice rejecting any element of a claim involving personal property insurance shall contain the identity and the claims processing address of the insurer, the insured's policy number, the claim number, and the following statement prominently set out:


"Should you wish to take this matter up with the New York State Insurance Department, you may file with the Department either on its website atwww.ins.state.ny.us/complhow.htm or you may write to or visit the Consumer Services Bureau, New York State Insurance Department, at: 25 Beaver Street, New York, NY 10004; One Commerce Plaza, Albany, NY 12257; 200 Old Country Road, Suite 340, Mineola, NY 11501; or Walter J. Mahoney Office Building, 65 Court Street, Buffalo, NY 14202."
Statutory Authority - Insurance Law, §§ 201, 301, 305(a), 2601, 2610, 3411 and 3412.

[rhipsher]

Originally Posted by Kevin

this thread reminds me of why I don't dd my car

I don't either but the one time I did drive it some dumb b%tch hits me. It always seems to be by a woman.

[Blue Flame Restorations]

Originally Posted by rhipsher

I don't either but the one time I did drive it some dumb b%tch hits me. It always seems to be by a woman.

That cat is probably a female killing a perfectly innocent male birdy. hahahahahahahaha

OR

Maybe the bird is a NY Adjuster

[rhipsher]

Originally Posted by Blue Flame Restorations

That cat is probably a female killing a perfectly innocent male birdy. hahahahahahahaha

OR

Maybe the bird is a NY Adjuster

Female cat or not that is one badazz alley cat. Most cats just hit the deck when those blue jayz are dive bombing them. He picked on the wrong cat. Lol!

[Blue Flame Restorations]

[John Boothby]

You guys are lucky the driver at fault HAD insurance! Out here in Nevada the chances are a driver at fault is UNINSURED!

The last accident I had, I was in bed and a drunk driver TOTALED my car parked out in front of my brother's house. He had a revoked (drunk driving) license, driving his mother's car, she had no insurance and lived out of state! Lucky I had uninsured moterist insurance which is manditory here. Also lucky that it was not my Z!

[tomtom72]

Thank you all of my Brothers for all your support. Kevin, I don't DD my Z....just a case of me being in the wrong place at the wrong time.

Lee, as usual yes, GEICO actually gave me that section attached to their written estimate. I did read it and another adjustor and now you pointed out to me that the check isn't the settlement of the claim.

I have to find a shop. Called my agent & left a voice mail. I think I'll call again after a bit today.

Again, a big Thank You to all of my Brothers for making our group special.


Tom

[FU]

Originally Posted by John Boothby

Lucky I had uninsured moterist insurance which is manditory here.

It should be mandatory for everyone to carry uninsured/underinsured motorist insurance. Without a doubt it come's in handy.

[Kevin]

i need to go back and look at my policy now...