It sounds all fine and dandy until the other persons story changes and they don't want to be at fault. Then you are dealing with an insurance company saying that they aren't liable. You will wish you had somebody fighting for you; hence having your insurance deal with them.

 

This is why I decided to file a claim with mine just now. I'd rather have the officials taking care of it from the get go.

 

Whatever.
I used to be an auto insurance adjuster and I just wanted to share some professional tips to make life easier for i-Clubbers.

 

Good luck. Hope things don't get too complicated.

 

I appreciate your sharing of inside knowledge. However, since the driver of the car was from Livermore and I'm down in (and the incident occurred in) Monterey I'd rather let the professionals handle it right away rather than have to play phone tag for weeks or have him disappear.

 

you really don't have to give me the "whatever" treatment. I was just providing information from my own experience, since I have been in plenty of accidents and dealt with this stuff many times before. So I'm giving sound advice

I already understand that you are a "professional" , yet, understand that I do have PLENTY of experience dealing with things like this, which doesn't make you any better than myself just because you happen to have worked for an insurance company

and my advice was making it "easier" for i-clubbers....

thanks

 

Lovely, you've been in 10 accidents, I used handle 10 accidents a day.
Do what you want how you want, different strokes for different folks.

 

Ah, now that's understandable. The method I recommended is the most efficient way of getting a claim processed, but if there's any part of the claims process that could make you feel uncomfortable (in this case, geographical distance), then yes it's best to let your insurance company take care of it for you.

I'm glad that there's someone in BAIC that still takes sound advice into careful consideration

 

please, cut the disrespectful attitude off.

i gave helpful and true advice.

so drop the "i'm better than you cause i worked there" BS.

thanks

 

What "disrepectful attitude"? What "I'm better than you" attitude? Friend, you're reading too deeply into things.

Yes, your advice is helpful and true -- to a degree. But there are more efficient ways of handling things, there always are. Arguing that you're "experienced" is a moot point when claiming that speaking to your agent is the "best" way to process a claim; it may be "best" when you have no idea where to start and need help with a claim, but otherwise there are much more efficient ways of getting your claim settled.

If you're going to do something over and over, you might as well learn a better way to do it. If one is unsure of how to proceed in an insurance claim, then by all means contact an agent. But even contacting an agent is technically pointless as the proper way to file a claim is via the insurance company's claims department. When a claim is being processed, an agent is always just sitting on the sidelines the whole time. Why? Because is an agent is JUST A SALESMAN. All the agent can do is nag the adjusters and make half-empty promises to his client. It all comes down to the insurance company's claims department to process the claim. Agents aren't even employees of the insurance company, they're just contract workers! Anyone with any knowledge of the insurance business would know this.

Furthermore, you attempt to refute my claim that you there is no need to futz with the deductible. Whenever making an insurance claim with your own insurance, you ALWAYS have to pay your deductible first, no if's, and's, or but's. Worst case scenario? You pay your deductible, the adjusters from the 2 insurance companies sit down and have a talk, then blam-o, it's suddenly decided that you have a percentage of fault, you don't get your deductible back, and your rates go up (of course, this is not applicable in VRT MBasile's situation). "Best" case scenario? You're out $500 or $1000 or however much your deductible is for a couple of weeks while the insurance company figures out whether you deserve to have your deductible back or not.

Your way works, yes, but it will take at least double the time of my recommendation and has a greater chance of human error.

So before you accuse me of being pompous, you should look in the mirror and ask yourself whether you're not the one being stubborn. I'm offering a better alternative and you're saying that it's a fool's choice when it clearly is not.

That's it, I'm done. I've already wasted enough time and effort. Truly gone are the days when an i-Clubber would listen first and argue later. Salvo away with whatever response you think best, I don't care anymore.

 

are you serious?

you are "the professional", seriously, i get it.



INCORRECT

your insurance company contacts theirs, if they admit fault, they will pay and your insurance company waives it because they are getting the money from their company! i don't know how whoever you worked for handles it, but it's obvious with your post that you guys make your own insured pay up front.
I've always had my deductibles waived because they were collecting from the others insurance.
or maybe the company that I had was just a whole heck of a lot better than your employer, because they took care of me, helped me, and waived "not at fault" deductibles.

yeah, "worst case scenario" is if somebody is partly at fault, THEN yes, they would have to pay a deductible.


actually, scroll up, try reading. "whatever" , "Lovely, you've been in 10 accidents, I used handle 10 accidents a day. " <- obvious attitude is obvious
clearly debatable...

Hardly an argument, it was actually a discussion. The "whatever" crap and "lovely" BS was just plain stupid and not needed at all.

It's pretty obvious that you took offense to my advice because you are "the professional" and I'm not. Like I stepped on your toes because you work for that industry and I don't.



but understand that when the s*** hits the fan, you are going to wish that you had filed a claim with YOUR COMPANY so that they have your back and help you along the way.... and that is not up for debate...
otherwise things start going downhill and you think "gee, i wish somebody would help me," so you finally contact your insurance and they ask "why didn't you file a claim with us to begin with?" now they have to play catch up..



and he did call his insurance to file a claim, so they will help him get everything settled.

 

You know, I wonder where the quality of the insurance company makes a difference here. In my experience, I had a much better response from the adjuster from Allstate. He was very calm & reassuring & sounded like he had done this 100+times before.

The Progressive guy on the other hand (my Insurer) put me on hold every other question and basically gave me the feeling he was just watching out for HIS bottom line (he insisted that I had to pay the deductible, and would get reimbursed IF Allstate didn't dispute the claim).

After all was said & done, I got a new insurance quote from Allstate & it was like 30% less than Prog. I went with them and have been happy camper since