Insurance help/strategy needed please.... got tagged

[billschroeder5842]

***UPDATE***

When a man turns 50 it is recommended that you go for your annual "exam." Typically the gel is warm, the jokes are awkward, the procedure is quick and most importantly... PAINLESS.

Well..... not so in this case. Too much to write, but both companies are bouncing back and forth with who is doing what, subrogating this or that and/or who's paperwork to go from. Frankly is sound like a a bunch of sh*t designed to confuse, wear you down and make you accept what ever they offer.

I am a business owner and have a attorney on monthly retainer. I've been fortunate that I have not had any business issues this year so he "owes" me many hours. I'll probably just let him loose on this one.

So I stopped by the shop today and took a look at #1388. It is kind of like watching your child being operated on; you have confidence in the doctors, but it still is your kid and makes you squirm. The shop will need it for 2 more weeks.

[Ccmano]

Originally Posted by Ccmano

Progressive cancelled my son’s fully paid insurance a month early and never notified him. He didn’t find out until the police stopped him a year later and cited him for a lapse in coverage that previous year. They impounded his plates and would not release them till the ticket and fine were paid. When Progressive was contacted they admitted the policy was fully paid and that they had cancelled coverage early but would not say why. He had no tickets, accidents or points on his record. The DMV stated they had seen other instances like this from Progressive and speculated that Progressive was cancelling policies when they learned the customer was switching companies. He was indeed changing companies at that time and had already procured a new policy elsewhere which was scheduled into effect when the progressive policy was scheduled to end. The matter has been appealed and accepted by the state insurance board who is currently investigating. I will never do business with Progressive again.
H

The Nevada State Insurance Commission found in favor of my son and against Progressive. All fines and penalties were dropped by the state. Again, I’ll never do business with Progressive again! Sorry Bill didn’t mean to hijack your thread.
H

[Z51JEFF]

Originally Posted by billschroeder5842

***UPDATE***

Well..... not so in this case. Too much to write, but both companies are bouncing back and forth with who is doing what, subrogating this or that and/or who's paperwork to go from. Frankly is sound like a a bunch of sh*t designed to confuse, wear you down and make you accept what ever they offer.

Sadly that’s how the insurance industry works,if the consumer knows their rights and let’s it be known in the beginning the insurance companies will think twice before they start the games. Usually one mention on the Department of Insurance does the trick.

[billschroeder5842]

Originally Posted by Z51JEFF

Sadly that’s how the insurance industry works,if the consumer knows their rights and let’s it be known in the beginning the insurance companies will think twice before they start the games. Usually one mention on the Department of Insurance does the trick.

**UPDATE**

How true Jeff's quote is. I am happy (relieved actually) that my company Allstate called this morning and has agreed to use my shop and pay 100% of the repairs.

After many conversations with many insurance people I finally got to the guy who could say "yes". As above, I spoke with him about process, my rights, specific repairs, the comparative quotes I had gotten. I had to gently demonstrate that I "knew my sh*t" and the conversation was very business like.

I think what turned it for the Allstate claims guru was when I said that I was prepared for a "non resolution," pay the repairs myself and just "turn it over."

I think the insurance companies just count on people not having knowledge or resources and are (unfortunately" placed in a situation to accept what ever the offer is.

Thank for the advise guys... it REALLY helped.

I am stopping by the shop at noon today for photos and progress check.

[rush91]

Good deal sir!! Sometimes patience IS a virtue AND pays off! Looking forward to see the after pics...

[billschroeder5842]

I visited the shop (MidCities Classics in Hurst Texas) and checked on the car.

According to the owner Jim, the frame pulled/straightened out perfectly and he showed me the process. The radiator, condenser and shroud are back in and the AC gets charged today. He was able to locate all new parts except the valence but said he has one on order and might have an NOS buried in the back of his shop.

Jim says that I'll most likely get it back in a week.

Guys.... I'm getting itchy. Patience is a such a PITA.

[spork2367]

Originally Posted by billschroeder5842

I visited the shop (MidCities Classics in Hurst Texas) and checked on the car.

According to the owner Jim, the frame pulled/straightened out perfectly and he showed me the process. The radiator, condenser and shroud are back in and the AC gets charged today. He was able to locate all new parts except the valence but said he has one on order and might have an NOS buried in the back of his shop.

Jim says that I'll most likely get it back in a week.

Guys.... I'm getting itchy. Patience is a such a PITA.

So he's using a fiberglass bumper cover?

[EvanZR1]

Good deal. Once you get it back, we need to have a DFW ZR-1 lunch meet.

[Z51JEFF]

Originally Posted by billschroeder5842

After many conversations with many insurance people I finally got to the guy who could say "yes". As above, I spoke with him about process, my rights, specific repairs, the comparative quotes I had gotten. I had to gently demonstrate that I "knew my sh*t" and the conversation was very business like.

That’s how the scam works and sadly the consumers don’t know they have rights. I’ve heard everything from used part to economy parts,it’s amazing what a simple mention of the State Department of Insurance can do.

[Z51JEFF]

Originally Posted by billschroeder5842

After many conversations with many insurance people I finally got to the guy who could say "yes". As above, I spoke with him about process, my rights, specific repairs, the comparative quotes I had gotten. I had to gently demonstrate that I "knew my sh*t" and the conversation was very business like.

That’s how the scam works and sadly the consumers don’t know they have rights. I’ve heard everything from used part to economy parts,it’s amazing what a simple mention of the State Department of Insurance can do. Good to see the car coming together.