Problems with auto insurance company
I will try to keep this short, but I am looking for advice from people who have dealt with similar situations.
In mid February, my car was hit. It was parked (legally) in front of my apartment. The girl who hit me called the police and did the right thing. I went through her insurance company to get my car fixed. It needed about $2k in repairs.
I spoke to her insurance company maybe 2 days after the incident. I told them I had a rental car and it cost me $300-350 per week. I asked if they wanted me to rent from another company or anything like that. They said it was fine and I needed to just submit my receipt when my car was fixed.
Because the insurance company really really really sucked, it took them over 3 weeks to authorize the repairs on my car. So after a MONTH I got my car back. My rental car cost was over $1400!
I faxed them my rental receipt and got a call right away. The claims guy I had been working with the whole time said that they only covered $25/day for a retal car, which worked out to around half my expense. I got very angry. He claimed I never told him the rental cost and he also claimed that he told me about the daily limit. I asked why anybody would keep a rental if they knew about such a limit and told him to talk to his supervisor and get me a check for the full amount.
A few days later he sent me a letter where he stated that I was informed of the rental policy the first time I spoke to them.
I immediately sent a letter to the claims rep and copied the VP of the company (listed on their website) where I restated my case and said I was seeking the full rental amount or a copy of the phone call recording where I was originally told about the rental policy. I also filed a claim with the Better Business Bureau and the Wisconsin Bureau of Insurance (or somethinglike that, they handle consmer complaints). That has gotte me nowhere thus far, but theprocess is still going on.
Is there anything else worth doing? Its not much money, but I am very angry and hate being taken advantage of like this. Plus, being a student, that means my savings will just be that much smaller after summer books and tuition, so getting the money back would obviously help. I am givng my complaints with the two groups mentioned above a little more time, but I want to find a next step. I am at the point where I would be willing to sacrifice a large portion of that money just to win, but I am not even sure a lawyer would take the case over such a tiny dollar amount.
Last edited by jay ratkowski; 04-18-2008 at 10:38 PM.