VCCA Home Forums GENERAL DISCUSSION General Discussions My Insurance Claim

Possibly state laws differ. While the report still exist and needs to be stated there are no additional premium charges as far as I know. Any time the insurance company pays out its considered a "claim".

I will get a Chevy body shop estimate. Thanks for the reasons as to why to do so.

I will also file a complaint with the state.

The Travelers adjuster states that he has a STRICT policy to follow, which includes no new parts for my 2007 vehicle.

My policy does NOT state that "any vehicle over X years old will not receive new body parts/panels".

My policy DOES STATE that parts, other than Original Manufacturers Parts "MAY BE USED". May being the key word.

So, the adjuster has one set of rules to follow, then the policy states something else ...... meanwhile, I'm the piece of baloney between two pieces of bread.

The agent (a young lady) stated there was no "diminished value" law in North Carolina, but there is and it also appears in the policy verbiage.

She also stated "cosmetic appearances" were not a part of Travelers concern or liability, but the policy states "appearances" are a prime concern, with OEM, or aftermarket items.

I'm in a position where each person is saying something different, but no one is treating me with care or professionalism.

Not trying to take advantage of my insurance company, just want "my investment" to look as good as it did, before the deer collision.

Amazing how the smiles, when selling the policy, turn to frowns and scorn, when assistance is needed.

All insurance companies are the same, best friend while you pay your money but when you claim the hatchet comes out.
Tony

Have you talked to the adjusters superior or calling the claims department at the company headquarters?

The claim adjusters "superior or manager" received a message from me on Friday, hope to hear from him on Monday.

I plan to contact their "customer service Advocacy" on Monday, hoping for assistance.

You know, one should not have to go through all these push ups, just to be treated fairly, within a claim process.

Don't worry about being canceled upon renewal, they just increase the premium 50% upon renewal

The stock holders need to make a profit and that can't be done by paying money out. Changing insurance will not change nothing, they are all the same.
IT'S THE WAY !

I have had auto insurance for close to 60 years, and can honestly tell you I have NEVER had poorer service from any of those past companies.

I have had the same insurance company for my modern autos and home for close to thirty years. Their service has been excellent and even though there may be some lower rates available I would not switch. I like having a company that does it the AMERICAN way and makes a profit as they rebate at the end of the year based on their profits and it's good to know they will still be around when and if I need them.

Who do they rebate to ? Has anyone (EVER) had a rebate ? Not I
sir !

The policy holders get the money as it's a mutual insurance company meaning the customers own the company. I get a check back in the mail every year and it's usually about 20% of the premiums paid. I posted the company name in an earlier post so if you are really curious check it out as there is plenty of info on line and discussing it here does not help Bob with his claim.

Tomorrow (Tuesday, Nov. 17th) will be the day I know something.

It will be 11 days since my collision.

Contacted Travelers Insurance Claims Dept. right after the accident, November 6th.

Gent at claims stated my adjuster would contact me within 24 to 48 hours.

No 24 to 48 hour contact. Adjuster contacted me FIVE DAYS after the accident.

In his 3 minute phone contact, adjuster told me he would not be able to see the vehicle for another 8 days, after his call, or 13 total days after the accident. He stated I could "wait" or obtain an estimate.

I told him his time frame was too excessive, I got the estimate from a reputable body shop.

Adjuster called (a 6 minute phone call) 2 days after he received body shop estimate. He cut the estimate from new parts to used or Chinese parts. I told him that was unacceptable to me, based on car condition.

New parts were figured into the estimate, based on the opinion of the body shop, after viewing my car.

I asked again, for him to view the car. He declined.

The Travelers claims "supervisor" then received a message from me last Friday.

No call back Friday or Monday (today) from the supervisor.

11 days since accident, no resolution.

There will be a resolution tomorrow.

Perhaps you could advise them of this discussion or better yet email them the thread.

A good thought.

Certainly no way to treat a customer, under any circumstances.

If nothing else, this thread should serve as an eye opener, as to who treats you how.

I had a claim in April 2014 and another in October 2014. Each about $5,000. Travelers was the insurance company. Both times they treated me extremely good. My renewal came in between the two incidents and they initially increased the premium $2,000, my agent was able to re-negotiate it to $1,000.

Our agent is "non functional" in getting assistance for us.

We are now waiting for return calls, made earlier today.

Good to hear that they treated you well. Are you still with them, as your insurer?

Update ....

Filed my complaint paperwork with N.C. Insurance Commissioner.

Adjuster has not made contact with me to inspect car, as promised. Why not, you ask ? He left 3 days ago for a two week vacation, without forwarding my claim to his supervisor or another adjuster.

Adjusters supervisor was to contact me, regarding my request for new parts. No contact from him, either.

I contacted Travelers Headquarters in New York City today, explained concerns to them..

While I was on the phone, Headquarters' attempted to contact "supervisor", as well. THEY couldn't find supervisor, either.

Bottom line, Headquarters authorized new parts for my vehicle.

I was appreciative, but was disappointed that Travelers adjuster and supervisor clearly dropped the ball.

Thanks for all the comments and ideas. So appreciated.

Bob ....wow, what a process ...glad you finally got it all sorted out . Did the body shop I referred you to work out for an estimate ...what about your paint match up?? ~D

David,

After 3 total estimates, I settled on L & L in East Flat Rock.

Paint match should be OK, so they tell me.

Thanks for your and your cousins assistance, David.

The squeaky wheel gets the grease!! Glad you were able to get the help you wanted. It's good to know the "higher ups" realized that you were not being properly serviced and did what they needed to do to rectify the problem.

Steve, just a shame, in my opinion, that a customer has to go through so many push ups, to obtain what he should have obtained, from the beginning.

Each case should be evaluated by the ins. co., then acted upon, in a fair and equitable manner.

FYI, Travelers has a "guide line", whereby 15,000 miles is the limit for new parts, so a 2015 vehicle with 16,000 miles is out of luck, in theory, for new parts.

That would be a tough pill to swallow.

Think I've learned a lot from this experience.

From the hassle you went thru I think you earned the new parts decision. Had they accepted your offer of some new parts they would have saved a few dollars and maybe a customer and also prevented some of the bad publicity.

Update ..... insurance collision check is in my hand, TrailBlazer goes in this coming Monday for her surgery.

Good news after all the hassle you went through.