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Re: USAA insurance - unethical behavior Posted by Justin VanAbrahams [Email] (#32) [Profile/Gallery] (more from Justin VanAbrahams) on Mon, 14 Nov 2011 11:58:34 In Reply to: Re: USAA insurance - unethical behavior, David, Mon, 14 Nov 2011 11:43:17 Members do not see ads below this line. - Help Keep This Site Online - Signup |
What David said... I don't think you are going to find any insurance company that will treat non=customers very well. Their responsibility is to their clientele (somewhat) and their bottom line (mostly), not you or yours.
I don't know how things work in other states, but in California the first thing you do in the event of an accident is call your insurance. Doesn't matter whose fault it is. You call in your muscle, the other party calls in theirs, and the two of them duke it out. If you don't bring any reinforcements to the party, you are asking (IMHO) to get mistreated.
To go a step further, in this day and age, I think there is value in contacting an attorney, too. Not some dude who advertises on late night TV, but an actual reputable PI attorney. Unlike even your insurance company who still has to worry about their bottom line, the attorney gets paid as a percentage of what you get paid, so its in their best interest to work hard and fight BOTH insurance companies on your behalf. There is value there.
I've been in a couple wrecks, none my fault, and every time I've refused to be one of those jerkoffs who calls a lawyer. Last time - when my SPG got killed - I made the call and got an attorney. I'll tell you, both insurance companies were a lot more responsive when they got letters from the lawyer letting them know he was in the fray, and the end result didn't bring my SPG back but did leave me with satisfaction instead of a hard-won check that wasn't even representative of the loss. It sucks that this is what we've come to (and feel free to argue about whether nasty insurance companies are the result of nasty attorneys or vice versa), but it's where we are and I've learned the rules.
Again, I don't know how things work in Kentucky, but in California a "if you don't respond we'll assume the matter is closed" would never work. You need a signature and agreement stating the dispute is satisfied. I can only imagine that is true elsewhere as well. Again, an attorney could clarify that for you, and almost certainly give you a no-cost evaluation of where you stand, and determine whether additional effort will put anything else in your pocket. Greedy bastards maybe, but lawyers won't leave money on the table.
posted by 12.195.130...
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