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Hall of Famer [22948]
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Car Insurance Hades
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Mar 28, 2024, 9:50 AM
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Someone hit my car in the parking lot two weekends ago. There were witnesses who stopped the driver from pulling away, and even have a police report.
Dealing with their insurance (Progressive) is a major PITA.
1. Their insurance says they can't get in touch with driver to confirm, then
2. Driver denies they were involved (even though I sent Progressive the pics and police report)
3. Progressive tells ME to call around to body shops and get quotes
4. First collision center says they work with Progressive, but the insurance company needs to submit my information before I can come in for an estimate. Then, they will 'tear-down' the car to look for all possible damage, and take possession of the car for up to 3-months as parts for 2024 vehicles aren't available.
5. Second collision center doesn't want to give an individual estimate as the insurance company won't honor it anyway. They confirm 2024 parts aren't available anywhere, and it could be months before they can work on it. First available opening to even attempt an estimate is mid-April
@ Insurance Lungers: How do I negotiate with insurance company to write me a check for repair costs + car rental + diminished value? Any idea on costs to replace a bumper and repair/replace a rear quarter-panel?
FYT
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All-In [46825]
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What part is messed up and is it drivable?***
Mar 28, 2024, 9:51 AM
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Hall of Famer [22948]
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Re: What part is messed up and is it drivable?***
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Mar 28, 2024, 9:53 AM
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Car is drivable.
Rear bumper is pushed in
Driver side rear quarter panel pushed in
Tire rim damage
2024 Genesis GV70 (bought 6 weeks ago)
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All-In [46825]
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Are we talking Chesty's prison purse pushed in or a dent?***
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Mar 28, 2024, 9:55 AM
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Hall of Famer [22948]
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Somewhere in-between***
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Mar 28, 2024, 10:02 AM
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All-In [46825]
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Hot water and a suction cup dil-do will get you where you need to go***
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Mar 28, 2024, 10:03 AM
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Hall of Famer [22948]
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Re: Hot water and a suction cup dil-do will get you where you need to go***
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Mar 28, 2024, 10:06 AM
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Right. But I also want $5-10k from insurance to cover the costs if I do decide a professional is needed.
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All-In [49057]
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They have the right to "investigate" meaning they can delay
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Mar 28, 2024, 10:19 AM
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while they attempt to talk to their client, while they "investigate" their client's claims of innocence, etc. Obed's right, if you have collision, pay the deductible and get your company to handle. Make sure they get your deductible back at the end when they square up with Progressive.
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All-In [27149]
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Call FordPrefect.***
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Mar 28, 2024, 9:52 AM
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Lot o points [155948]
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This may or may not be the best answer, but in
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Mar 28, 2024, 10:07 AM
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My experience, I’ve had the easiest time running it through my own insurance and then letting them deal with settling up with Progressive.
Someone once noted that when you buy insurance, the best thing you are getting is a bunch of high priced lawyers protecting their company’s money on your behalf. It’s the best legal representation you’ll ever get for a few hundred dollars a month.
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All-In [49057]
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If you get sued, yeah...
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Mar 28, 2024, 10:14 AM
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Unfortunately for a lot of people, they don't want to get sued, but their insurance company incentivizes it based on the way they negotiate.
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Hall of Famer [22948]
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My insurance (State Farm)
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Mar 28, 2024, 10:35 AM
[ in reply to This may or may not be the best answer, but in ] |
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said 'Thanks for informing us. Let us know if Progressive isn't responsive'. Bastadges
State Farm is a month behind in issuing a new insurance policy and card. I'm still driving around with a temp policy that they keep extending.
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Lot o points [155948]
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Im State Farm too. You need better agent.***
Mar 28, 2024, 4:58 PM
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Oculus Spirit [85339]
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Why do they want you to do their job?
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Mar 28, 2024, 10:11 AM
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Isn't it their job to come inspect the vehicle damage and create an estimate?
Estimated cost of repairs: $4,869
3 MO possession / rental car: lol, that ain't happening. That would cost like $10K?
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All-In [47750]
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Call all 3's!
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Mar 28, 2024, 10:11 AM
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or all 9's. or all 2's.
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Oculus Spirit [85339]
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Also, I hope this person was arrested for attempting to leave***
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Mar 28, 2024, 10:13 AM
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Hall of Famer [22948]
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Re: Also, I hope this person was arrested for attempting to leave***
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Mar 28, 2024, 10:38 AM
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Parking lot security ran her down as she started to pull away. Since she was onsite when police arrived, no foul.
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Heisman Winner [119740]
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YOUR insurance agent should be handling this and calling you...***
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Mar 28, 2024, 10:22 AM
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