On the other hand, car insurance companies seem to have realized the bad stigma that they had and have gone overboaad to compansate for it: I once got rear ended at a stoplight and Geico (my insurance co.) actually wanted to pay for the damage, even though it wasn't my fault, the other driver had insurance and the company had aagreed to pay the claim. And, GMAC finance paid forsome damage that they easily could have denied when my car was unattended and smacked into in a parking lot, and it wasn't compleely clear that the damage was caused by being hit. It was, but I fully expected them to refuse to cover it.
[rant]
Idk, I had a pretty crappy experience with car insurance too.
Was going to work and this old lady ran a stop sign to turn left. It was on a 35mph road, and I was going around 30 or so. She freaking looked at me, and kept going right through the stop. Hit the breaks and swerved to the right. Ended up clipping the rear left of her car.
Everyone was ok, but my car was a loss. Hers had very little damage... she was able to just drive away.
So obviously report was filed, I notified my insurance company and hers.
Told by hers to go ahead and rent a car and that they would reimburse me for everything.
Sounds good right?
Three days later I get a call from them saying that they have reviewed the case file and found that I was speeding, because I stated to the cop that I was going 30mph and insurance company determined the speed limit to be 25mph.
Several problems with that scenario. Even at 25mph a car does not stop on a dime.
The speed limit was 35mph not 25mph.
Sign stating speed limit was right there. So was stop sign.
Anyway, had to fight with them for three weeks going through one moron after another before the determined their customer to be at fault.
What really helped was having taken pictures of everything, and even my skid marks... since they stated I failed to break... wtf would I need to break for when I have right of way?
Detailed police report also helped.
As far as I'm concerned there is no such thing as good insurance company. All of them are out to make money, and are a ripoff. I would love to be proven wrong, but to date, that just hasn't happened.[/rant]
