Previous Thread
Next Thread
New Reply
Print Thread
Rate Thread

Joined: Jan 2004
Posts: 2,371
SHO - NUFF
2003 Toyota Celica GT
SHO - NUFF
2003 Toyota Celica GT
Joined: Jan 2004
Posts: 2,371
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: 2,670
Specialist
2003 Toyota Celica
Specialist
2003 Toyota Celica
Joined: Dec 2003
Posts: 2,670
sounds like a rip off. are you with geico???

Joined: Aug 2004
Posts: 4
New Member
New Member
Joined: Aug 2004
Posts: 4
I dislike insurance companies.

Joined: Oct 2002
Posts: 2,667
ECelica Staff
ECelica Staff
Joined: Oct 2002
Posts: 2,667
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
Member
2003 Toyota Celica GT
Member
2003 Toyota Celica GT
Joined: Feb 2004
Posts: 334
Insurance companies will do anything they can to screw you out of money thumbsdown


[Linked Image]
"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: 2,371
SHO - NUFF
2003 Toyota Celica GT
SHO - NUFF
2003 Toyota Celica GT
Joined: Jan 2004
Posts: 2,371
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
Specialist
2001 Toyota Celica GT
Specialist
2001 Toyota Celica GT
Joined: Jun 2003
Posts: 2,863
bbbbbboooooooo

Joined: Jun 2004
Posts: 1,374
Likes: 1
Specialist
2002 Toyota Celica
Specialist
2002 Toyota Celica
Joined: Jun 2004
Posts: 1,374
Likes: 1
what company is that? who are those guys? go ahead, bad-mouth them, they deserve it.


I get my kicks on EC.

Anonymous
Unregistered
Anonymous
Unregistered
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
Specialist
2001 Toyota Celica GT
Specialist
2001 Toyota Celica GT
Joined: Nov 2002
Posts: 1,073
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
Senior Member
2000 Toyota Celica
Senior Member
2000 Toyota Celica
Joined: Jul 2003
Posts: 574
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
Member
1991 Cadillac Seville
Member
1991 Cadillac Seville
Joined: Jul 2004
Posts: 186
wut company man... they deserve to be flamed here


another honda kill story is always welcome

Joined: Jun 2004
Posts: 1,374
Likes: 1
Specialist
2002 Toyota Celica
Specialist
2002 Toyota Celica
Joined: Jun 2004
Posts: 1,374
Likes: 1
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: 1,374
Likes: 1
Specialist
2002 Toyota Celica
Specialist
2002 Toyota Celica
Joined: Jun 2004
Posts: 1,374
Likes: 1
^^ 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: 2,371
SHO - NUFF
2003 Toyota Celica GT
SHO - NUFF
2003 Toyota Celica GT
Joined: Jan 2004
Posts: 2,371
the company is called Auto-Owners insurance company...don't go with them

Joined: Oct 2003
Posts: 2,029
Likes: 1
Masta OC
2003 Toyota Celica
Masta OC
2003 Toyota Celica
Joined: Oct 2003
Posts: 2,029
Likes: 1
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: 2,442
Wheezy Joe
2002 Kawasaki Ninja 250
Wheezy Joe
2002 Kawasaki Ninja 250
Joined: Apr 2003
Posts: 2,442
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.
Join the conversation - Register Now or Log In to add your comment


Link Copied to Clipboard
Member Spotlight
mrluilou
mrluilou
2001 Toyota Celica GT
Palmdale, California

Posts: 636
Joined: November 2004
Show All Member Profiles 
Recent Topics
Spyder Headlight LEDs
by Dxnxld - Mar 25, 2024 6:51am
Anyone ever hear this noise?
by CeliacCelica - Mar 21, 2024 10:51am
Clunking sound (not sure where from)
by Juliansky - Mar 20, 2024 3:01am
Does anybody know where i can find a S53 trans rebuild kit?
by MoreRamenNoodles - Mar 19, 2024 8:57pm
Urgent
by SoloXKay - Mar 19, 2024 11:58am
OEM speedometer on aftermarket ecu
by Penaman99 - Mar 5, 2024 11:23am
Brake master cylinder
by Nigel100 - Mar 5, 2024 2:45am
newly purchased 2000 GTS
by CantShift - Feb 27, 2024 9:06pm
Customize Your Toyota Celica Privacy Policy · About · Contact
Privacy Policy · About · Contact
CelicaHobby.com is an independent Toyota Celica enthusiast website. CelicaHobby.com is not sponsored by or affiliated with Toyota Motor Sales, USA, Inc. in any way. The Toyota and Celica names and logos are trademarks owned by Toyota Motor Sales, USA, Inc.
© CelicaHobby.com, 2001-2024
Powered by UBB.threads™ PHP Forum Software 8.0.0
(Preview build 20230331)