[Shotimes] OT - Insurance Problem HELP!

[Donald Mallinson]

I had about the same situation, State Farm had the insurance 
on both cars, and they tried to get both drivers to pay part 
of each claim.

I told them I was parked, not moving and in the space 
legally, properly parked.  How in the world can it be 20% 
"my fault?".  They finally agreed with the logic.

Don Mallinson

Paul Nimz wrote:
> 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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> 
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