Tuesday, May 17, 2011

Auto insurance companies? No thanks!

Yo guys, I know I just created another post about an hour ago or so, but I need to write this...
I feel so frustrated? Why you may ask? 3 words: auto insurance company...
Allow me to explain myself:
About an hour ago I received a call from the local police that my has been "assaulted" and that I should get home as soon as possible... (I go to my work by bike, so the car is on the street in front of my house). At that moment I freak out, and I get scared, because honestly, I just had that car for somewhat over a year, and I am still paying it off...



When I get at home I see a police car near my neighbors house, and they are questioning my him...
That's when I see my own car, the front window had a huge crack in it and the passengers side window was broken. I couldn't believe that that was my own car... The vehicle I had worked for so long... I was very confused and headed over to the officer, who told me to wait for a second inside the police car. After about a minute or 5 he came up to me and told me the neighbor had witnessed a person of unknown origin broke the window using a brick or a stone, and when he got caught, he threw the thing on the front window, which made that one crack. He probably was after the gsp which was (by accident) still visible...
Now, I filled in all kinds of forms and the police tells me that the insurance should cover this... So the next thing I do is calling my auto insurance company. I am not joking, but I waited 20 minutes before I got out of the queue, which brought me at the insurance company helpdesk. I told my story and the person was friendly and told me to wait an instance so that he could reconnect me with a proper person. So I get on hold again, for 10 minutes. After that I was able to speak to my personal insurance manager; to which I told the whole story again. And he just plainly told me that theft wasn't in the insurance policy and that I should've gotten a more expensive insurance. I told him that it wasn't really theft, because the car was still there, but there was damage, so it was actually a kind of vandalism, which should've been covered by my policy. After discussing with the guy from the insurance for another 10 minutes, he finally accepted that it was vandalism, and thus I would be getting my money back for the reparations for my car. BUT I would need to hand them a form signed by the local police, which states that I am eligible for insurance, and that is was really vandalism.
so next I called the police to ask about when and where to get the form, and the answer I get is, We don't judge about vandalism or theft, you'll need to ask about that to your insurance company... Now, I've been trying to call again to the insurance, but after another 10 minutes of queuing, I gave up... I will try again later, and I will hope that the auto insurance company will now help me more than the last time, bacause I want to get over this as soon as possible, so that my car can be fixed, and that I can change my insurance company...

Thanks for reading, I needed a way to let my frustrations out... :)

32 comments:

  1. Sometimes the insurance companies can really screw you.

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  2. Oh oh oh... get a report from the police that states what they saw. It will only say they witnessed, 'a car with a cracked windshield and side window'... they will leave out the whole GPS thing (AND SO SHOULD YOU!) making it just a random act of vandalism. ;0 Give that to the insurance and get the repairs paid for...
    BUT your deductible will probably be almost as much as the repairs AND your rates are going to go up. So you are going to end up paying for it in the long run anyways.

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  3. Yeah that sounds typical of dealing with insurance people, ive never had a good experience with my company. By the time you finally get everything taken care of you feel like it's the toughest thing you've ever accomplished.

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  4. Threaten to leave your insurance company, they might do something to attempt to retain your membership. They are greedy whores anyways.

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  5. I feel you man. My house has been broken into once, but fortunately we found out who it was and the police took him to jail.

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  6. When they want your money... they are your best friend but when shit goes wrong and you make a claim which is the point in actually having insurance... they act all confused like well that's not what we do.

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  7. disgraceful. insurance companies are such scammers

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  8. Insurance is expensive! And they can be tight

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  9. You can never trust them in any way.

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  10. I completely agree with this, just got my statement the other day. Was in a fender bender, I paid for all repairs on their car and mine. Get the statement and.... it's gone up 1000! dollars. They didn't pitch one cent in but because of the accident it went from 600$ to 1600$ on one car.

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  11. It's their job to not pay out, it's how they make money, you can't blame the workers seeing as it's their job however the companies are morally corrupt and unfair on normal innocent people.

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  12. Do what astronomy pirate suggested.

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  13. Yeah gotta be careful when you choose your company, I prefer checking out reviews online or even friends and family and ask their experience with their company.

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  14. Best thing to do is to go to your local junk yard and find a replacement window and windshield. It will cost less in the long run if you think about the increased premiums you pay after filing claims. These guys take censuses every year and judge each area based on risk, then they raise their prices accordingly.

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  15. Glad I haven't had to deal with insurance companies yet ;/

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  16. It is really bad I know how you feel

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  17. That sucks man, insurance companies only think of how much money they earn and not if they help their clients.

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  18. That's a headache. I'm so sorry for your frustration, I hate the bureaucratical run-around.

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  19. Dude that is terrible! I could only imagine the crappy feeling of seeing your car completely messed up =O

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  20. Dude that sucks, insurance companies will always try to not cover you if they can find a loop hole

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  21. wow, that sucks, sorry for you, hope it gets all sorted.

    Visit my blog here

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  22. keep calling them. don´t give up until they pay for your damages.

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  23. I hate paying for insurance, but when I need it I don't complain haha.

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  24. Insurance companies: the heroes that save you in your time of need.

    The reality: the scumbags that steal what they can from you.

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  25. drive without insurance, more often than not it'll end up being cheaper in the long run :P

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  26. That sounds horrible, those insurance companies can be a real pain in the ass.. Hope it'll work out for you!

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  27. I know how you feel, really. Car insurances are so expensive, especially for young adults these days. Sometimes getting some more expensive insurance policies is even more pointless as the annual cost may exceed the value of the car itself. On the other hand, it's the only way to feel secure about your belongings. Or is it - judging by your case?

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  28. Oh man. That rly sucks. I hope the insurance do what they ahve to do. PAY

    greetings!

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  29. Haha Blackjack!
    OFc they will do!
    I work for insurance!

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  30. Great Blog!! That was amazing. Your thought processing is wonderful. The way you tell the thing is awesome. You are really a master.

    Insurance Agency Framingham MA

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