[Shotimes] OT - Insurance Problem HELP!

[Paul Nimz]

I had a guy back into my '93 with a pickup in a parking lot once.  Although
he was clearly at fault and did not contest the claim his insurance company
would only pay 80%.  They said it was a law in Illinois that I was at least
20% to blame............  :(

Paul Nimz
'97 TR
'93 EG mtx



----- Original Message ----- 
From: "Alan Fanning" <Awfanning@earthlink.net>
To: "SHOtimes" <shotimes@autox.team.net>
Sent: Thursday, June 05, 2003 10:29 AM
Subject: [Shotimes] OT - Insurance Problem HELP!


> I desperately need some feedback on how to deal with an insurance claim.
>
> Back in January, my daughter had a minor run-in with another student in a
> parking lot in Bozeman, MT. The daughter was traveling down a main aisle
> when she was tagged on the rear bumper by a girl who was traveling down a
> side aisle. The daughter had the right-of-way and the girl braked to avoid
> hitting the daughter, but due to icy conditions the girl's car slid into
the
> daughter's.
>
> These facts are uncontested by the participants and we have a statement
from
> the girl supporting them. The problem is with the girl's Allstate claims
> adjuster, who for the past two months has refused to return phone calls
from
> our Mercury adjuster. At one time this person apparently offered to pay a
> percentage of the costs (estimated at ~$350 total, at Bozeman labor rates)
> but has taken the position that "it's just one of those accidents where
> nobody's at fault". The girl, bless her pointed little head, believes it's
> "the ice's fault".
>
> I have no experience with ice-induced insurance claims, but it sure seems
to
> me that the girl was driving too fast for the conditions (weather and
> automotive).  Since it's below the $500 cutoff for taking to arbitration
> between the two insurance companies, my adjuster wants to close the case
and
> toss it into my lap to take to small claims court. That would require the
> daughter to persue, since I'm 1000 miles away.
>
> My adjuster did say that if I could get another quote for repair, over
$500,
> then he could take it to arbitration. Do you think I can get a shop here
in
> expensive San Jose to quote based on photos of the damage?
>
> Going nuts over a few hundred lousy bucks...
>
>     Alan
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