Re: The MOST RIDICULOUS statement from an insurance agent ? lol
[Re: jughed]
#2906028
04/04/21 09:36 AM
04/04/21 09:36 AM
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Joined: Dec 2007
Posts: 20,010 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 20,010
Puttin' on the foil in Charles...
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"Several years" later, you're still bragging online about cursing at someone over the phone because it was such a significant event in your life. Meanwhile, she went about her day and hasn't given you a single thought since then. Also, the reason she asked those questions is because she had a script/list of questions to follow. They ask everyone the same list of questions, because sometimes, those questions are relevant, but you can't ask different people different questions. You have to treat everyone the same. Otherwise, you're asking for legal trouble.
Earning every penny of that moderator paycheck.
DBAP
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Re: The MOST RIDICULOUS statement from an insurance agent ? lol
[Re: not_a_charger]
#2906029
04/04/21 09:39 AM
04/04/21 09:39 AM
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Joined: Aug 2019
Posts: 9,572 Super Spudsville
Mr PotatoHead
Half Baked
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Half Baked
Joined: Aug 2019
Posts: 9,572
Super Spudsville
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The MOST RIDICULOUS statement from an insurance agent ?
Actually never heard one, only deer strikes in my folder and a windshield from a bad spot in the road and USAA has always went far past what I expected.
STOP POTATO HATE!
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Re: The MOST RIDICULOUS statement from an insurance agent ? lol
[Re: not_a_charger]
#2906042
04/04/21 10:02 AM
04/04/21 10:02 AM
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Joined: Aug 2019
Posts: 9,572 Super Spudsville
Mr PotatoHead
Half Baked
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Half Baked
Joined: Aug 2019
Posts: 9,572
Super Spudsville
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OOOK, I stand corrected. I cant recall any bad times with an agent either, I call add a car or remove, or modify plan ect... ask about things, still good.
Most the time I can do it online and skip the agent.
Of did I speak to just a rep. vs agent?
Last edited by Mr PotatoHead; 04/04/21 10:02 AM.
STOP POTATO HATE!
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Re: The MOST RIDICULOUS statement from an insurance agent ? lol
[Re: Mr PotatoHead]
#2906049
04/04/21 10:06 AM
04/04/21 10:06 AM
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Joined: Dec 2007
Posts: 20,010 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 20,010
Puttin' on the foil in Charles...
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If you call to buy a policy, you're talking to someone with an agent's license. You do not need to be a licensed agent to make changes to a customer's existing policy. You can be, but you do not have to be.
Earning every penny of that moderator paycheck.
DBAP
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Re: The MOST RIDICULOUS statement from an insurance agent ? lol
[Re: not_a_charger]
#2906111
04/04/21 10:43 AM
04/04/21 10:43 AM
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Joined: Jan 2003
Posts: 12,285 Benton, IL.
DaveRS23
Special needs idiot
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Special needs idiot
Joined: Jan 2003
Posts: 12,285
Benton, IL.
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We are down to just a few body shops here in my home county. Most of them are booked out for 2 weeks or more and have more work than they can really handle. Between fighting with the insurance companies and trying to find and keep good employees, they are worn out. Here in the county seat we only have 2 body shops left. And one of them has just gotten their re-builder's license and retail dealer's license with our help. If all goes as planned, they will drop their dependence on insurance work. Possibly to the point that they will not accept any at all. And the other one is about to implement a new policy where the insured will be responsible to discuss the estimates with the insurance companies. The constant counter proposals, and re-estimating as well as delays in getting work approved is burying them. So rather than go back and forth with the insurers, they are going to tell the insured that they will have the burden to get the estimate approved. Or they can find another body shop. It really has gotten that bad.
I'll spare you other details, but the difficulties that the insurance companies are putting onto the repair shops is unsustainable in modest markets such as ours. The insured are the ones that are going to be left in lurch with fewer choices and more difficulties in finding a competent repair shop. And the insurance companies are going to pay a price, too. Which they will just pass on to their policy holders.
Master, again and still
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Re: The MOST RIDICULOUS statement from an insurance agent ? lol
[Re: not_a_charger]
#2906121
04/04/21 10:55 AM
04/04/21 10:55 AM
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Joined: Jan 2003
Posts: 43,624 Round Lake Beach, Illinoisy
Rhinodart
Rhinotruck
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Rhinotruck
Joined: Jan 2003
Posts: 43,624
Round Lake Beach, Illinoisy
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I was 18 years old and backing my 69 Fury III into a parallel parking spot by the county courthouse, even had the proper turn signal on! A lady then hit me in the rear, busting my tail light out and denting the quarter panel. The cops were right there and issued her a ticket, my insurance company was Allstate. Turns out she was an illegal alien (this was in 1977), had no insurance, wasn't her car, and she barely spoke english. I contacted my agent and he said they would cover the claim. I went ahead and bought a used tail light lens to not get pulled over. A few weeks went by with on correspondence so i contacted my agent back. Allstate had denied my claim and was cancelling my insurance! They did finally send a check for a small pittance I will never, ever consider Allstate for any insurance the rest of my life! No answer was ever given to me why either...
The funny thing about science is that if you change one miniscule parameter you change the entire outcome to the way you want it.
JB Rhinehart, Realist
A-Body's RULE!
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Re: The MOST RIDICULOUS statement from an insurance agent ? lol
[Re: topside]
#2906168
04/04/21 12:02 PM
04/04/21 12:02 PM
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Joined: Dec 2014
Posts: 5,947 ohio
ruderunner
master
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master
Joined: Dec 2014
Posts: 5,947
ohio
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Years ago I had a customer vehicle towed in after driving over a large rock at the end of a driveway. Damage was all underneath and IMHO mostly cosmetic. Damage included a couple dents in the cradle, scuffs on the oil pan and gas tank and a short section of exhaust that was crushed. Vehicle was a year or two old.
I gave an estimate to repair the exhaust and check the alignment, vehicle was drivable and nothing leaking. The customer called their insurance and things got crazy.
Adjuster ordered a replacement cradle, oil pan, gas tank and complete exhaust. The exhaust was new, everything else was used and honestly no better than what was on the vehicle. I pointed it out to the adjuster and he said do it anyways.
A $200 repair turned into a $5000 claim. A 1 day repair turned into 2 weeks of downtime.
Angry white pureblood male
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Re: The MOST RIDICULOUS statement from an insurance agent ? lol
[Re: Rhinodart]
#2906182
04/04/21 12:17 PM
04/04/21 12:17 PM
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Joined: Nov 2003
Posts: 10,228 Colleyville
3hundred
I Live Here
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I Live Here
Joined: Nov 2003
Posts: 10,228
Colleyville
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I will never, ever consider Allstate for any insurance the rest of my life! No answer was ever given to me why either... I also had a bad claim experience with them in 1998. NEVER again. Mother's day 1979 on a two lane bridge we got into a head on with an illegal sniffing silver paint out of a coke can, he had no insurance. Our insurance paid the loss (totaled) less the deductible. They were going for reimbursement of the deductible from the illegal, they made arrangements with the illegal to make the payment, he was released from jail and promptly fled to Mexico. End of story.
'68 Fury Convertible '69 300 Convertible '15 Durango 5.7 Hemi '16 300 S Hemi
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Re: The MOST RIDICULOUS statement from an insurance agent ? lol
[Re: ruderunner]
#2906199
04/04/21 12:32 PM
04/04/21 12:32 PM
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Joined: Jan 2003
Posts: 8,409 Highland, MI.
Sunroofcuda
master
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master
Joined: Jan 2003
Posts: 8,409
Highland, MI.
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Over the years, I've actually had great experiences with any auto claims - homeowners as well. I've never piled-up a vehicle, but my wife has a few times. We are also lucky - we have a GREAT collision shop nearby & they are fast & damn good. A few years ago, someone backed into the passenger front door on my 2012 300 while I was sitting in the car to boot! The car was silver. The door needed to be replaced and I was dreading the paint possibilities. You can never match silver properly. Anyway, with AIG (Grundy), they use independent claims people - the guy came to my house. He looked at the door & said it needed to be skinned. I said respectfully that nobody can properly skin a door & make it look any good, so if that's all he was going to authorize that I'd just buy a door myself out of my pocket. After that & without objection, he said "well - I can see you take great care of the car - yeah - we'll do a door."
My local body shop got the new door in & I took the car over to drop off with them - they said it would take a day. They said there were 3 different paint chips for the paint code so we compared all three outside in good sunlight. The differences were all in the metallic "grain" - it was really hard to pick one. I told the shop to just paint the door & nothing else - NO BLENDING into other panels! They understood fully - this was the way they had written the original repair order. Anyway, the paint matched so perfectly in all aspects - including getting the new door as straight as the adjacent panels & just the right amount of texture or orange peel, that you could not tell the door had been replaced or painted. I was truly amazed.
No Man With A Good Car Needs To Be Justified
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Re: The MOST RIDICULOUS statement from an insurance agent ? lol
[Re: ruderunner]
#2906222
04/04/21 12:52 PM
04/04/21 12:52 PM
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Joined: Dec 2007
Posts: 20,010 Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 20,010
Puttin' on the foil in Charles...
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Years ago I had a customer vehicle towed in after driving over a large rock at the end of a driveway. Damage was all underneath and IMHO mostly cosmetic. Damage included a couple dents in the cradle, scuffs on the oil pan and gas tank and a short section of exhaust that was crushed. Vehicle was a year or two old.
I gave an estimate to repair the exhaust and check the alignment, vehicle was drivable and nothing leaking. The customer called their insurance and things got crazy.
Adjuster ordered a replacement cradle, oil pan, gas tank and complete exhaust. The exhaust was new, everything else was used and honestly no better than what was on the vehicle. I pointed it out to the adjuster and he said do it anyways.
A $200 repair turned into a $5000 claim. A 1 day repair turned into 2 weeks of downtime. They owed to replace those items. They were damaged in the accident, and they're not repairable. Insurance company was 100% correct. If the customer would've chosen to not complete those repairs and pocketed the difference, it would've been their right to do so, but the insurance company can't say "Bah, just ignore the dents in the cradle and the pan and the gas tank."
Earning every penny of that moderator paycheck.
DBAP
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