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Joined: Jan 2004
Posts: 2,373
AZZKIKR
SHO - NUFF
AZZKIKR

SHO - NUFF
2003 Toyota Celica GT

Joined: Jan 2004
Posts: 2,373
ATL GA
Aug 5, 8:15am - #241136 
stupid insurance people...

A few weeks ago I was run off the road by one of the city busses here in ATlanta, and broke 2 of my rims. I posted about it too. Anyway, so its gonna cost me $750 to get them both replaced, plus tires...the city gave me hell about it, and I filed a claim with my insurance company and had them suffrogate it (where they go after the other people). Well, they recovered $1,100.00 in my expenses (towing, control arm, alignement, blah, blah, blah), and are cutting me a check for $600 on monday. I asked what heppened to the $1,100, and they said that since I have a $500 deductible, they are taking it out!!!! angry angry...so much for that crap, guess I'll have my beaters on for a few more weeks

Joined: Dec 2003
Posts: 2,672
ragingpaseo
Specialist
ragingpaseo
2003 blue Toyota Celica
Specialist
2003 Toyota Celica

Joined: Dec 2003
Posts: 2,672
towson, md
Aug 5, 8:18am - #241137 
sounds like a rip off. are you with geico???

Joined: Aug 2004
Posts: 5
atoyota
New Member
atoyota
New Member

Joined: Aug 2004
Posts: 5
Aug 5, 8:19am - #241138 
I dislike insurance companies.

Joined: Oct 2002
Posts: 2,677
RicePowered
ECelica Staff
RicePowered
ECelica Staff

Joined: Oct 2002
Posts: 2,677
South Jersey
Aug 5, 8:23am - #241139 
yeah, that's what a deductible is for .. you gotta pay that before your company pays for anything. It's always been like that.

Joined: Feb 2004
Posts: 334
SPec_ceLICA
Member
SPec_ceLICA

Member
2003 Toyota Celica GT

Joined: Feb 2004
Posts: 334
Edmonton, CANADA
Aug 5, 8:35am - #241140 
Insurance companies will do anything they can to screw you out of money thumbsdown


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"Fate can only take you so far, its up to you to decide what to do when it takes you there."
Joined: Jan 2004
Posts: 2,373
AZZKIKR
SHO - NUFF
AZZKIKR

SHO - NUFF
2003 Toyota Celica GT

Joined: Jan 2004
Posts: 2,373
ATL GA
Aug 5, 8:39am - #241141 
Originally Posted by RicePowered
yeah, that's what a deductible is for .. you gotta pay that before your company pays for anything. It's always been like that.
...yeah I know...I'm just venting cause they are hitting me for my deductible when my claim isn't even being claimed against my policy

Joined: Jun 2003
Posts: 2,863
v3n0m
Specialist
v3n0m

Specialist
2001 Toyota Celica GT

Joined: Jun 2003
Posts: 2,863
St. George, UT
Aug 6, 1:57am - #241142 
bbbbbboooooooo

Joined: Jun 2004
Posts: 1,376
QTRMLR_1
Specialist
QTRMLR_1

Specialist
2002 Toyota Celica

Joined: Jun 2004
Posts: 1,376
Los Angeles, CA
Aug 6, 2:16am - #241143 
what company is that? who are those guys? go ahead, bad-mouth them, they deserve it.


I get my kicks on EC.
Joined: Dec 2003
Posts: 296
Peterkwon87
Troll
Peterkwon87

Troll
1999 Nissan Sentra XE

Joined: Dec 2003
Posts: 296
Aug 6, 6:15am - #241144 
haha that sucks dude. when i got into an accident it cost me 25000 but i only had to pay 500 deductable, hahaha. oh yea and like 500 bucks to rent a car for a month.

Joined: Nov 2002
Posts: 1,073
grcelica
Specialist
grcelica

Specialist
2001 Toyota Celica GT

Joined: Nov 2002
Posts: 1,073
NW, PA
Aug 6, 7:16am - #241145 
you can reduce or eliminate the deductible, but you pay more for your policy. I have 0 deuctible, but since I'm older than most of you my rates are lower, but it is an option...

Joined: Jul 2003
Posts: 574
kevin2
Senior Member
kevin2
2000 White Toyota Celica
Senior Member
2000 Toyota Celica

Joined: Jul 2003
Posts: 574
Missouri
Aug 6, 7:18am - #241146 
here we go again. Total damage of my car was well over $2000 and they only give me $300. My whole stereo system was not cover and some exterior damage was not insure. goddamnit I hate insurance.


lose graciously and win humbly
[Linked Image]
Joined: Jul 2004
Posts: 186
CaddyShack
Member
CaddyShack

Member
1991 Cadillac Seville

Joined: Jul 2004
Posts: 186
Southern California
Aug 6, 4:50pm - #241147 
wut company man... they deserve to be flamed here


another honda kill story is always welcome
Joined: Jun 2004
Posts: 1,376
QTRMLR_1
Specialist
QTRMLR_1

Specialist
2002 Toyota Celica

Joined: Jun 2004
Posts: 1,376
Los Angeles, CA
Aug 6, 5:19pm - #241148 
yeah what company is that? You're going to make me ask again? I want to know so I can tell all my friends, family, and everyone I meet in the future. I will tell them to tell all the people they meet and pass it on. Always get even!


I get my kicks on EC.
Joined: Jun 2004
Posts: 1,376
QTRMLR_1
Specialist
QTRMLR_1

Specialist
2002 Toyota Celica

Joined: Jun 2004
Posts: 1,376
Los Angeles, CA
Aug 6, 5:34pm - #241149 
^^ and knock people off if you have to. If you need a recommendation, just PM me. grin


I get my kicks on EC.
Joined: Jan 2004
Posts: 2,373
AZZKIKR
SHO - NUFF
AZZKIKR

SHO - NUFF
2003 Toyota Celica GT

Joined: Jan 2004
Posts: 2,373
ATL GA
Aug 8, 10:55am - #241150 
the company is called Auto-Owners insurance company...don't go with them

Joined: Oct 2003
Posts: 2,030
RevMonster
Masta OC
RevMonster

Masta OC
2003 Toyota Celica

Joined: Oct 2003
Posts: 2,030
Orange County, Ca
Aug 8, 11:03am - #241151 
wtf

Basically, you're getting scammed.

If you are not the responsible party, the other company is liable to pay for ALL your expenses. You don't have to pay your deductible.

With State Farm, Allstate, AAA, ect...

If you file a claim and choose to have repairs done prior to the other (at-fault) party's company claiming liability (fault), you pay your deductible. Subrogation then occurs to recover both the money your company paid out, AND your deductible for you.

Call them and tell them that the city claimed liability and that the claim is NOT against your collision coverage... making your collision deductible non-applicable. If they still give you grief, threaten to get a lawyer. It's probably not worth it to actually hire one for $500, but they are cheating you... they know it, and they might give in if they think you might pursue it legally.


I'm just a crosshair
I'm just a shot away from you
Joined: Apr 2003
Posts: 2,451
DiabloGTS
Wheezy Joe
DiabloGTS

Wheezy Joe
2002 Kawasaki Ninja 250

Joined: Apr 2003
Posts: 2,451
Lafayette, LA
Aug 8, 11:09am - #241152 
You get your deductible back after the other company pays out.

If the city doesn't pay out, you won't get it back and it will be on your policy.

This is why you don't want cheap insurance.


To have played and laughed with enthusiasm
and sung with exultation
To know even one life has breathed easier
This is to have succeeded.
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LiLTiggerGa
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