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Any lawyers or insurance people to answer this question - Page 2

post #16 of 19
4/14/10 at 7:03pm
Quote:
Originally Posted by sho'nuff View Post
^hmm. that is terrible. i would like to know too. im wondering if your mother has a well-known auto insurance provider or some day-time tv advertised one like General auto insurance. does this make any difference? i would think the ins companies have to be dealing with each other on this.

She has State farm. Aren't they supposed to be good? They have treated her horribly! Anyway she's going to switch to something else as soon as this ordeal hopefully gets resolved.
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post #17 of 19
4/14/10 at 7:19pm
Thread Starter 
Quote:
Originally Posted by shellshock View Post
She has State farm. Aren't they supposed to be good? They have treated her horribly! Anyway she's going to switch to something else as soon as this ordeal hopefully gets resolved.

yes, state farm is supposed to be good. i have geico i think they are on the same level, they have been good so far on all things even when my wife got into an accident, but were a little lagging though not very prompt but still handled everything with care and proactiveness. it was just a simple fender bender so it wasnt complicated.

i think she should get on the phone with state farm and really have a word with them. geico is all ears and has very good customer service. they will try to work with you. im sure state farm is the same? she should be more forthcoming with them good luck
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post #18 of 19
4/14/10 at 9:31pm
Quote:
Originally Posted by shellshock View Post
They were "investigating" the accident for like a month, and now the agency has told my mom that they might not give her back her deductible because "california law" says that there's a maximum of $10k for any one accident and they considered this case one accident; since the other car got totaled there might not be enough money for them to pay her. Is this total bs? My mom's insurance agency is not helping her at all, in fact shes had to deal with the guy's insurance directly and it's been a huge hassle. She just wants her deductible back since it was clearly not her fault.

There is no such California law, they probably meant that the guy had property damage liability limit of $10K in his insurance policy.

If that's the case, and the total property damage between your mom's car and the other damaged car exceeds $10K, the money should be apportioned between the two cars in proportion to the amounts of property damage sustained.

Your mom's insurance co should assist in obtaining the deductible (or "partial" deductible). Note: One month is not that long as far as these things go.
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post #19 of 19
4/19/10 at 12:32am
Quote:
Originally Posted by shellshock View Post
I have an auto insurance question that I really need help with! Any insight is greatly appreciated.

My mom's parked car in front of her house got hit when some dude fell asleep at the wheel and crashed into the car parked behind my mom's car, totaling it and causing damage to my mom's car.

Her insurance agency made her pay her $500 deductible. Now the other insurance agency (the guy that hit her) is giving her the runaround. They were "investigating" the accident for like a month, and now the agency has told my mom that they might not give her back her deductible because "california law" says that there's a maximum of $10k for any one accident and they considered this case one accident; since the other car got totaled there might not be enough money for them to pay her. Is this total bs? My mom's insurance agency is not helping her at all, in fact shes had to deal with the guy's insurance directly and it's been a huge hassle. She just wants her deductible back since it was clearly not her fault.

I fail to see the point of paying insurance if someone is gonna crash your car and then YOU have to pay for it. We really don't know what to do at this point.

If she's paying her deductible, she should just be making a claim against her own insurance and let them deal with it. Her insurance company should be going after the guy if his insurance doesn't make her whole. It might be like getting blood from a rock, but it really doesn't matter how much his policy maximum is, he's still on the hook for the damages he caused.
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