Comments on: insurance company trying to screw me what can i do?

By: Jody D

Jody D — Thu, 27 May 2010 00:47:23 +0000

Best way is to turn it over to your insurance company. They have a legal obligation to defend you when you become the defendant. Tell the other ins co that you had coverage and to contact your insurance company. Then hang up. That is what you paid the monthly ins premiums for.

By: Kim G

Kim G — Thu, 27 May 2010 00:39:06 +0000

If I understand you correctly the car that rear ended you wants to pay you difference in the salvage value on your truck, and that you rear ended the front car and then HE rear ended you. First, I don’t completely understand the “difference in the salvage value on your truck,” but that’s not important right now.

Here’s the deal, the rear cars insurance company is standing behind their insured unless YOU can prove the accident happened the way you say. YOUR insurance company, assuming you have insurance or collision coverage, will stand behind YOUR version of loss and if YOUR insurance company paid for your repairs they will subrogate the rear cars insurance.
But here’s what DOESN’T make sense…the rear cars insurance paid for the front cars damages? They can’t pick and choose who they pay. If they paid the front car, that implies the rear car is at fault for ALL damages. So how can they be at fault for the front car and NOT AT FAULT for your car??? Regardless, the rear car is at fault plan & simple no matter WHOSE version of loss EMC believes. Their driver was following too close to your car.

Now, back to the salvage value….it sounds like you may not understand what they are wanting to pay. It sounds like your vehicle is a total loss, you want to keep your vehicle, and they are paying you for your total loss LESS the salvage amount. In essence, you are buying you vehicle back from EMC, which they legally can do. And this is completely legal and NO YOU ARE NOT BEING SCREWED.

By: CowboyBill

CowboyBill — Thu, 27 May 2010 00:20:38 +0000

Lots of idiots answering here today.
First: how do we know you are telling the truth? Because you say so? Because someone in your car said so? Because the police report says so? None of these answers matter because unless there is an unbiased witness of the collision the insurance company is up against a wall in determining liability. Go ahead and get yourself a lawyer (like so many dinks here always tell you to do). Did HE witness the loss? Your problem is you are just angry. Perhaps you are angry because you don’t have collision coverage on you truck. Ia428282 is correct — you are playing the victim to the max. Insurance companies have nothing to gain by ’screwing’ anyone out of a two-bit settlement.
PS — I don’t believe your story either, pal.

By: la428282

la428282 — Wed, 26 May 2010 23:22:07 +0000

So tell me Mister Know-it-all… did the police who wrote the report WITNESS the accident happen? DId he actually see the car hit you and be pushed into the vehicle in front? Then how on earth does the police officer know? and why should they go off the police report.

People crack me up… insurance “trying to screw them over” Dont you get it?! Insurance needs PROOF of the facts of loss that you state happened… what if you were the back driver? Wouldnt you want your insurance to side with you if there was no proof otherwise?

If your smart youll go through your collision coverage and let them handle the other insurance and try to get your deductible back. And in the future… why dont you THINK about why things happen instead of thinking the “world is out to get you” and “people are trying to screw you over” Its amazing how people think they can just tell the insurance company what happened and that be it. Then anyone off the street could get money…

p.s… to reiterate how WRONG all these other answers are.. insurance does not go off police reports alone… and unless you find an attorney that witnessed the accident… they cant do a thing about liability. Educate yourselves before you answer.

*** EDIT ****
wow- anger issues much?

I live with myself and am fulfilled by my job because everyday i try to make what is a horrible situation as easy as possible for customers. I am thrilled when i get to pay an innocent victims damages when our insured is at fault. I love when someone who has another insurance company tells me how easy i made a hard situation. It’s jerks like you that make my job a living h*ll.

How can i live with myself for “Screwing people over?” well they certainly dont teach us in training that our job is to screw people over..

our job is to investigate… and determine liability. Your telling me that just b/c YOU are telling everyone that your car was still that EVERYONE should believe you? are you god? Obviously the other driver is saying the opposite. That makes it word vs. word… so how exactly am i screwing someone over by not siding with one person or the other when i have no evidence? are you even thinking about how dumb what you are saying sounds?

my advice… find a psychologist. you have a serious issue.

By: oklatom

oklatom — Wed, 26 May 2010 23:04:28 +0000

Well, they may be correct. It wouldn’t matter if you drove, or were pushed into the car in front of you in some states, you would be responsible for damages to that vehicle. Let’s say there were 5 cars, car 5 hits and there is a chain reaction of all of them. Car 5 wouldn’t be responsible for the damages to all the cars, but only the one he hit. 4 would be responsible for 3, 3 for 2, 2 for 1, and one would have no fault at all being in the front of the line. Although stopped, you were not stopped at enough distance to avoid an accident. Generally you have to stop far enough back that you can see the rear tires of the vehicle in front of you, that will leave space enough to stop or turn if you are hit.

EMC is not a “bunch of damn crooks”, they are looking out for the interests of their client, just as your insurance company should be looking out for yours, and your insurance company would be the best source of advice for you, not an attorney nor an accident reconstruction firm. You may have an obligation to the car you hit which your insurance would be paying for..

It may be different for you if you are in a no fault state.

By: rob1963man

rob1963man — Wed, 26 May 2010 22:36:05 +0000

What the Insurance company may say is the following:

“You should’ve left enough distance between you and the car in front of you to compensate for this contingency”

Get all your ducks in a row, and good luck!

By: Cooks n Cars

Cooks n Cars — Wed, 26 May 2010 22:04:00 +0000

two words ok a few more.
What does the police report say. shove that in the insurance companys face and tell ‘em to take a hike….that requires no attorney
They will not conflict with a police report.

By: gimpalomg

gimpalomg — Wed, 26 May 2010 21:35:09 +0000

Shibi is absolutely correct.

Get an attorney that isn’t working for the insurance company. You may also need an accident reconstructionist on your side. When you sue don’t forget the attorney’s fees, court costs and all the mental anguish they are causing you. While you are suing, don’t forget the insurance company and/or the guy that hit you.

One more thing, EMC may try to black list you making the acquisition of insurance from another company more difficult. Mention this concern to your attorney, s/he may be able to get some sort of court order to protect you.

FYI, I carry AAA insurance. It ain’t cheap but it is always there when I need it. And, Good Luck I hope you end up owning EMC. Some of these damned insurance companies give everybody a bad time, except when they are paying your premiums.

Honestly, things like this make me sorry I didn’t go to law school when I was younger. I think I would loved tearing some of these operations a new ash hole.

By: Country Boy

Country Boy — Wed, 26 May 2010 20:59:47 +0000

You need an injury attorney to help you out with this Everything is bring based on the police report written at the tine of the crash. Usually they copy their notes into documents a few hours later. Actually it’s your insurance company’s ” hired guns ” to straighten the legalities out. These attorneys are not in house people your local insurer hires local attorneys to get through it as quickly as possible. If I were you I’d make an appointment with a personal injury attorney and state your case.

By: Enigmatic Soul

Enigmatic Soul — Wed, 26 May 2010 20:00:47 +0000

I’m sorry to hear about your problem. I have never been in a similar situation, but was there a police report filed. If so, it might state specific details about the accident. As far as EMC Insurance being “a bunch of damn crooks,” is concerened, all I can say is all insurance companies will try to screw their customers if they can get away with it. My advice is to be persistent, get a copy of a police report, and be as forthcoming as possible. Good luck. I wish you the best.