Forum Discussion
deltamaster
Apr 16, 2015Explorer
Yes, when it comes to insurance companies it can be true that the squeaky wheel gets attention.
Several years ago I was involved in a car crash with the other driver clearly at fault. Concerning the personal injury portion I was fighting with his insurance company over virtually pennies in the grand scheme of insurance claims. We are talking about less than 2K for doctor visit and medications and the like for the two people (myself and DW) in my vehicle. It ended up with the agent dropping my request in half and me countering with a couple hundred dollar reduction. At the end of it all we were arguing over fifty bucks and I demanded to speak with her boss because it now came down to principal because she had already cut my claim (under a grand for each occupant) by more than a third.
She refused to get the boss involved over fifty bucks and my reply was for them to just pay it, then but she refused. I then proceeded to tell her that two grand in a claim such as this was NOTHING to an insurance company because most people would have already hired an attorney by this time and would not have continued to negotiate so much. I then asked her if she wanted me to call one of those TV attorneys and start the negotiations all over with an attorney. I left it at that and hung up.
An hour later I had her boss in Los Angeles on the phone and he gladly gave me the fifty bucks we were arguing over.
By the time it was all done the insurance company paid nearly 4K for the damage to my pickup and a rental car for a few days. They paid $900.00 for DW and $700.00 for me. The reason she was awarded more was because the doctor prescribed her pain medicine and muscle relaxers. The doctor did not prescribe any medication for me as I was already prescribed pain medications for another condition. Oh, we also had to pay for the urgent care visits which were three hundred bucks each.
Now, that is not to say DW and I did not ache like heck for many days after the crash but it was what it was and we suffered through it.
After that experience I decided that if I am ever involved in a similar crash I will call one of those TV attorneys. I know that sounds bad but Farmers put me through heck on that one and originally only wanted to pay $300.00 for my claim and $600.00 on DW's. Given the circumstances (an 85 year old driver that had no clue where he was going or what he was doing and should not have been behind the wheel) and the pain and the aggravation I felt that was not enough BUT I was trying to be reasonable. Virtually anyone else would have gone for the 20 or 30K claim but I was asking for a couple grand and settled for less than that but had to fight for a week to get what I got.
No. I am not going through that again. Next time I let an attorney handle it and he can add his costs to the claim.
Several years ago I was involved in a car crash with the other driver clearly at fault. Concerning the personal injury portion I was fighting with his insurance company over virtually pennies in the grand scheme of insurance claims. We are talking about less than 2K for doctor visit and medications and the like for the two people (myself and DW) in my vehicle. It ended up with the agent dropping my request in half and me countering with a couple hundred dollar reduction. At the end of it all we were arguing over fifty bucks and I demanded to speak with her boss because it now came down to principal because she had already cut my claim (under a grand for each occupant) by more than a third.
She refused to get the boss involved over fifty bucks and my reply was for them to just pay it, then but she refused. I then proceeded to tell her that two grand in a claim such as this was NOTHING to an insurance company because most people would have already hired an attorney by this time and would not have continued to negotiate so much. I then asked her if she wanted me to call one of those TV attorneys and start the negotiations all over with an attorney. I left it at that and hung up.
An hour later I had her boss in Los Angeles on the phone and he gladly gave me the fifty bucks we were arguing over.
By the time it was all done the insurance company paid nearly 4K for the damage to my pickup and a rental car for a few days. They paid $900.00 for DW and $700.00 for me. The reason she was awarded more was because the doctor prescribed her pain medicine and muscle relaxers. The doctor did not prescribe any medication for me as I was already prescribed pain medications for another condition. Oh, we also had to pay for the urgent care visits which were three hundred bucks each.
Now, that is not to say DW and I did not ache like heck for many days after the crash but it was what it was and we suffered through it.
After that experience I decided that if I am ever involved in a similar crash I will call one of those TV attorneys. I know that sounds bad but Farmers put me through heck on that one and originally only wanted to pay $300.00 for my claim and $600.00 on DW's. Given the circumstances (an 85 year old driver that had no clue where he was going or what he was doing and should not have been behind the wheel) and the pain and the aggravation I felt that was not enough BUT I was trying to be reasonable. Virtually anyone else would have gone for the 20 or 30K claim but I was asking for a couple grand and settled for less than that but had to fight for a week to get what I got.
No. I am not going through that again. Next time I let an attorney handle it and he can add his costs to the claim.
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