[DMCForum] Re: Article on Hagerty Insurance's website

["lakelanier20" <derek4567@xxxxxxxxxxx>]

Ryan, sorry to hear about your experience.  Insurance companies are 
definitely a bunch of "rip-off artists."  Yes, (for those who might 
post an argument to that statement) I'm sure many people get fair 
treatment, but I have heard way too many stories like Ryan's over 
the years to have good faith in insurance.  When the wind blew over 
the basketball goal onto my hood in January (in my friend's parents' 
driveway) their home-owners insurance would not pay.  The 
reason?  "Act of God."  Which is apparently not covered. 
Yes, we all fumed, but in the end my friend's parents said if they 
had made another claim, they might have lost their coverage.
So they wrote me a check themselves.

-Derek L
VIN 5302
 


--- In DMCForum@xxxxxxxxxxxxxxx, Ryan Wright <ryanpwright@xxxx> 
wrote:
Derek, they screwed me on my Fiero. Offered me 1/4 of the car's   
value by showing me ads for beat up 4 cylinder cars (mine was a GT 
with a new 3.1l engine transplant, in near perfect condition). So I 
found dozens and dozens of custom Fieros, like mine, for sale on the
Internet. Brought in a huge stack of paper to prove "This is what it
will cost me to replace my car; therefore, this is what my car is
worth."
The response was: None of my work counts. They are all "asking 
prices" and therefore invalid. I'd have to get "certified bills of 
sale" for the cars in question. Well, just how the hell do you get 
something like that for private party sales? You don't, and they 
know it.  Further, I was basically of the understanding that even if 
I could get the info, it too would be deemed "invalid" based on some 
technicality.
I only wanted high book value for a high book car. They insisted on
paying low book. I fought and fought and fought and got a little more
than half the car's value when all was said and done.
I'd been a customer of the same agent for over 8 years with no claims
(other than a couple of towing incidents) at the time this happened.
My parents had been customers (of the same agent) for over 20 years. 
I like our agent, they are great people, but when it comes to claims
your State Farm insurance agent can't do a damn thing to help you. I
tried, they said they had zero power to do anything for me, and I had
to deal with the claims office who didn't give a crap who I was, how
long I'd been with them, etc. I was just another Joe off the street 
to them and their job was to screw me as long and as hard as 
possible.
> 
> -Ryan


> 
> On 6/1/05, lakelanier20 <derek4567@xxxx> wrote:
>With the insurance thread going on right now on the DML, I've read
>good and bad things about State Farm.  One person says State Farm is
>good to them, another says they do absolutely anything to get out of
>paying claims or totally rip you off by paying you far less than a
>car is worth in the event of a total, despite best efforts.
>(I can't seem to find that post right now...)
> 
> -Derek

---

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