I just hate talking on the phone.

[judecorp]

So I called the guy who hit me and told him there was more damage than I thought, and asked if he wanted to come see. He said no, he hit me, he didn't need to see. He said he would call his insurance company and file, and I said I would, too. He gave me more of his info (address, insurance policy #, license plate) and I called the insurance company.

Of course they asked if I had a police report and I said no, and they gave me a hassle about that. But I filed it and told them he hit me and all of that. They said that with no police report, they weren't sure about fault - that ticked me off because umm, I was totally stopped and all my damage is on the rear bumper. But whatever.

So I also found out that we apparently have rental car coverage on the Focus but not the Matrix. WTF? All I can imagine is that it was a mix-up but that could end up biting me in the ass if the repairs take a while. Grumble. And that apparently Jen is the primary policy holder so they wrote the claim as "owner not in vehicle." That kind of made me feel like a 16-year-old on Daddy's insurance.

Now I guess we just see what happens. Police won't issue a report because (duh) they weren't there. So take that, insurance phone answerer guy!

Comments

[yerbrainondrugs.livejournal.com]

For what it's worth, I've had to deal with the insurance company several times about car accidents and I've had much better luck. Only once did I even have a police report and they never hassled me when I didn't have one. They would need to send an inspector but they usually didn't need to bother me at all and would just swing by when the car was parked in front of the house. When I spoke with them on the phone they seemed more concerned about if anyone was hurt and helping me out than hassling me for what I did or didn't do properly.

You might want to consider switching insurance; it sounds liek yours kinda sucks if they're giving you that much hassle.

[judecorp.livejournal.com]

The problem is that in MA we don't have a lot of insurance company options. We have weird insurance laws that state that all of the companies have to charge the same rates, so lots of the low-cost insurance companies (Geico, Allstate, etc.) don't want to touch us with a 10' pole. So we have a couple of companies and there is a /little/ flexibility on rates (depending on policies) and this one was the cheapest. They've actually always been good about handling claims in the past but they've always been for things like vandalism where we DID get a police report.

Maybe the weekend coverage guy was having a bad day. Who knows? :)

xo