More proof that no good deed goes unpunished
 

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GD Insurance companies!

Here's the story you be the judge;
I go to my uncles to help him with his computer. While I am there the nieghbor from the across the street backs out of here drive way, crosses the street and hits my legally parked vehicle. Luckly at this instant I am walking out with my uncle to leave and she comes up and tells us what she did. I think because she thought we saw here do it and were coming out side to find out what had happend.

Any ways we exchange insurance info and I leave. The damage is mildly significant so I go ahead and take the truck down to the auto body place this morning. I had called her insurance company when I had gotten home the night before and was given a claim number. While I am at the auto body place, her insurance company calls my house and leaves a message saying that their insured is not liable for the accident because I was not in my vehicle at the time of the accident. WTF!!!!

Ok I had no idea they had called so I go ahead and get the rental car. As any of you who have rented a car from Hertz know, you always get the supplemental insurance to cover dings and dents that they never fix but will bill the hell out of you for. That costs $15.00 a day. Now I am driving a 2004 Montero Sport and not really liking it, but it will have to do.

The repair time on my truck was estimated at 10 days. 10 x $15 = $150.00 that I am now out of pocket for.

I get home and hear the message that State Farm left so I call them up. Talk about rude SOB's. My God they were rude to me. Any who, they say that their insured said that I was illegally parked and prevented her from leaving her drive way. That, get this, my vehicle was "strategically placed" in her blind spot and was "dilibrately hidden" from view and when she backed out of her drive way, she could not see my "illegally parked" vehicle and struck it.

First and foremost the truck was legally parked, can prove this wihout a doubt. Second it was parked under a steet lamp so it was quite visiable. Third, she crossed over 24 feet of road and HIT my truck which was legally parked under a street lamp.

I explain this calmly to the rude ***** on the phone but she held the insurance party line that I am at least 50% liable for the accident. WTF!!!!

I call my insurance company, Famers, and ask them what to do. Do you know what they told me? Yup you guessed it, they will have to investigate the accident because it sounds like to them that I may be partially responsible for the accident. WTF!!!!

Evidently, simply by being hit I am partially responsible for the accident because if I "had stayed home" then the accident would not have occured.

I [censored] you not, that was exactly what my "own" insurance agent told me.

I am just utterly frelling sick to my stomic. Every time I do someone a favor it ends up costing me $$$$.

Because the insurance company is now dragging its feet, the repair time on my truck is by viture going to take longer and that means I will have too pay for extra days of insurance for this GD rental.

Oh sure I could drop the rental insurance, but I know from past experience that they will bill the hell out of me for every little nick, ding, gash, or other even if it was there before I rented the vehicle. And another thing, and I am now kicking myself for not thinking of it, they never did an inspection of the vehicle before they rented it to me.

I am considereing the possiblity of suing this lady in small claims court for the cost of the additional insurrance and any other costs that I am will encure as a result of this fender bender. With my luck I will be told that I SOL and end up having to pay her.

Like I said, no good deed goes unpunished. WTF. http://forum.shrapnelgames.com/images/smilies/Sick.gif

Re: More proof that no good deed goes unpunished
 

Lesson to everyone. Keep a disposable camera in your car. If an accident happens, get every conceivable angle of the accident on it, let them see you do it. Call the police and file an accident report, miss a couple hours of work if you have to. Let him see you taking pictures. When it's all on paper, you can be a nice guy and let it slide, but make it look like you're going to press it all the way.

Atrocities, I feel for you. You gotta stand up to them, just a little, get a lawyer and make it look like you're gonna fight. Maybe they'll back down. You don't need points on your liscence for how many years, jacking up your insurance rates. Don't let this get you down, make this fight a little hobby -- something you do for an hour or so every couple of days. You can beat this, and have no liability. You have to believe.

Re: More proof that no good deed goes unpunished
 

Atrocities,

you have some of the worst luck! Also, lots of people suck, especially in insurance companies.

If Judge PvK were handling this situation, the verdict would be:

The culprit's insurance company must pay you:
* Full cost of repairs to your truck.
* Full cost of your rental while you were denied your truck.
* $5/hour for all of your time taken up by having to take the truck in for repairs, for dealing with the rental car staff, and for having to talk to the insurance company representatives.
* $100 punitive fee for bull****ting you about you being responsible for your legally parked car being hit.

I hope that's what you get! You should get at least the first two! If you don't, it's an outrage!

PvK

Re: More proof that no good deed goes unpunished
 

I'm beginning to suspect that he is like some sort of Bad Luck Nexus for our galaxy. I humbly suggest we relocate him to Munjumb IV before the Earth gets hit by a comet. (Ground zero being Portland, no doubt. A few feet to the left of his truck. Where his dog is sleeping.)

Re: More proof that no good deed goes unpunished
 

I think God is holding me personnally responsible for what happend to Jesus or something. I simply do not know why I have such horrid horrid luck. I just don't get it.

Re: More proof that no good deed goes unpunished
 

God did not back into your car, God did not tell you you're at fault when you're not.

Re: More proof that no good deed goes unpunished
 

So should I return the rental and just stay home until my truck is repaired? Or keep the rental and hope that I can recover my money via small claims court?

You can only sue for X and X is really up to the judge and if s/he is in a bad mood that day...... you pay.

Something as simple as a fender bender has to be blown all out of proportion because State Farm and Farmers have to assign % blaim when there is none. Could some one please explain this to me and why something hasn't been done about it?

Re: More proof that no good deed goes unpunished
 

It's simple. The legal system is broken. All ignorant and idiotic insurance companies should be torn down, burned, and their leaders burned to a steak.

On a more serious note, they simply want to assign a % blame to both of the parties involved because that way it is a win/win situation for the insurance company. They get to raise the price of two people's insurance by X amount of dollars, instead of just one. It's purely a greed/money issue.

Re: More proof that no good deed goes unpunished
 

Conspiricies really are out there. It's just that they have nothing to do with aliens.

Re: More proof that no good deed goes unpunished
 

No they have to do with the all mighty buck!