by Guest » Sat Nov 10, 2007 03:37 am
My daughter bought a 2000 mountaineer a few years ago, she still owes almost $10,000 on it. She was rear ended on the freeway by a large commercial truck while stopped in traffic , they had geico insurance and talked her into getting it fixed in the geico shop. The frame was bent, needless to say they did a cosmetic repair and tried to straighten the frame but it was not the same. Then she was hit again, rear ended again on an off ramp by a driver who didn't slow down for the traffic. The lady that hit my daughter did not have insurance and she has been in negotiations with her own insurance company, Nationwide to get the rear bumper replaced and the frame looked at. Then day before yesterday she was rear ended again at a stop light. Now her insurance company wants to total her car. The value of the car on Auto trader is between 6800 and 8,000 dollars, much less then she owes.
How are they going to handle this when the car has been in so many accidents and do they take into consideration that they already owe her for repairs that were not made on the second accident. In the third accident the driver, we think has insurance, we haven't confirmed this yet but will that help her get out of this car without owing an arm and a leg? And will she have to pay deductible when it wasn't her fault?
How are they going to handle this when the car has been in so many accidents and do they take into consideration that they already owe her for repairs that were not made on the second accident. In the third accident the driver, we think has insurance, we haven't confirmed this yet but will that help her get out of this car without owing an arm and a leg? And will she have to pay deductible when it wasn't her fault?
Posted: Sun Nov 11, 2007 07:41 pm Post Subject:
Sorry, I did intend to NOT be logged in (don't feel right about being paid for this non-sense), but did intend to sign my name.
One more thing,
are you by any chance an adjuster ? or say an agent ?? Then these words of mine are certainly not for you!
What's that mean ''not for me''? I guess that infers that you know more than an agent or adjuster? And yes, if you've looked around on this forum you KNOW I'm an adjuster.Trust me I've rarely been helped by you people then
Once again I'm truly sorry you feel this way, and I assure you this is not the general consensus.There is nothing wrong with an adult disagreement Doris, but there is no need to take it to a personal level, that only shows a lack of maturity. I don't appreciate being referred to as
you people
in ANY context !Respectfully disagreeing,
lori
Posted: Mon Nov 12, 2007 09:28 pm Post Subject:
OK...let me see if I can lend some semblance of sanity to this thread...
From the OP:
We live in Oregon and here it is required to have uninsured mototrist and since the second driver did not have insurance my daughters insurance company is supposed to repair her car.
Oregon DOES have rules regarding Uninsured Motorist coverage, but as Lori has pointed out:
NO Colin I'm sorry you are not right. Unless the posters daughter had UMPD, which most people do not...UM as it is commonly referred (and required in many states) is a bodily injury coverage, and would've covered her injuries sustained by an accident caused by and uninsured motorist.......
Oregon has two types of coverage that apply to uninsured motorists:
(1) Uninsured Motorist Bodily Injury coverage (or UMBI) which IS required in Oregon and cannot be waived. This will cover the injuries caused to you by an uninsured motorist
(2) Uninsured Motorist Property Damage coverage (or UMPD), which is AVAILABLE in Oregon, but may be waived in writing by the policyowner. This is coverage intended to pay for the damages to your vehicle if you are hit by an uninsured driver. It IS subject to a deductible ($200 or $300, depending on the circumstance, more info if you need it, just ask), but this deductible will normally be a lot smaller than your collision deductible, which is commonly $500 or higher. This coverage is normally sold by a producer when you have a high collision deductible or you aren't carrying collision, normally because the car is older and doesn't justify the premium cost of collision coverage.
Finally...I would have to agree with Lori. I am very familiar with her insurance knowledge which I find to be at quite a high level. I have never seen an incorrect statement from her (sorry if I missed one).
I have never seen a DMV have anything to do with estimating the value of or assisting anyone in regards to any claim ever. DMVs exist to do what DMVs do: deal with motor vehicles, licensing, registration, records keeping, etc. Not with helping a citizen deal with loss or an insurance company.
For help in dealing with the carrier, talk to the insurance divisions. For assistance with your license plates, driver's license, motor vehicle record, etc., deal with DMV!
InsTeacher 8)
Posted: Tue Nov 13, 2007 04:31 am Post Subject: Lets walk that extra step..
Hi Guys!
Sorry, I did intend to NOT be logged in (don't feel right about being paid for this non-sense), but did intend to sign my name.
Well, at this stage our community can't afford to lose a learned voice like yours Lori, neither can we discourage anxious & the complaining souls who have faced some of the negative aspects of the industry services.
We need to understand that if we intend to spread the right message across, then we need to take in our stride many of the notable & known features associated with a forum & still remain positive with our knowledge & reasoning being our weapons :)
If you would believe in me, I have been associated with this forum right from the day-1 & borne all that came my way (& I own up the fact that my silence had also been the outcome of my lack of insurance knowledge, since I was from another segment of the financial services industry!)
are you by any chance an adjuster ? or say an agent ?? Then these words of mine are certainly not for you!
We need to understand one thing over here - some of insurance adjusters or brokers are undoubtedly the best to guide you at this! But yeah you do have the right to be apprehensive towards ideas or say a particular body of people, but we would appreciate if you would state your dissatisfactions or grudges with reasonable support of facts.
(2) Uninsured Motorist Property Damage coverage (or UMPD), which is AVAILABLE in Oregon, but may be waived in writing by the policyowner. This is coverage intended to pay for the damages to your vehicle if you are hit by an uninsured driver. It IS subject to a deductible ($200 or $300, depending on the circumstance, more info if you need it, just ask), but this deductible will normally be a lot smaller than your collision deductible, which is commonly $500 or higher. This coverage is normally sold by a producer when you have a high collision deductible or you aren't carrying collision, normally because the car is older and doesn't justify the premium cost of collision coverage.
Thanks for this vital piece of information InsTeacher!
Now, I'd expect you all to walk that extra-step that lets us reach our destination to be the best platform in terms of knowledge-sharing!
Can we make it together ??
Regards, Fatman
Posted: Tue Nov 13, 2007 02:20 pm Post Subject:
still remain positive with our knowledge & reasoning being our weapons
You're right Fatman, at times I get frustrated....especially if I preceive it as a personal attack... :wink:Add your comment