Army of Mom

So this is how liberty dies ... with thunderous applause.

3.28.2007

Fried Green Tomatoes

You know you're getting older when you value good insurance. We pay higher rates, but we get absolutely better service for them. I'll give some props to State Farm and our agent. He is in Fort Worth even though we're 40 miles north of him, but he and his staff have taken such good care of us for the past nine years, that we don't switch.

Recap: Old bitty (she has lost her status as sweet old lady) fails to yield, I hit her, she drives off in her old tank with nothing but some scratches and broken tail lights. Me: I am screwed. My front passenger headlight aims at the ground, the turn signal doesn't work and when I pull a Nascar (turning left), my tire scrapes the car. Oh yeah, and the car is making some godforsaken noise when I start it now.

Ok, her insurance *boo, hiss* is Allstate. I called my insurance at 8:30 a.m. Tuesday morning. I called Allstate about 9 a.m. same day. My claims adjustor called me back at 10 a.m. Their claims adjustor *cricket chirping* nothing. So, my Ms. Nice Gal attitude is now all spent. My goodwill from celebrating my anniversary is over. I call them this morning to tell them that I'm ruining my tire while driving the hoopty around town and that I need a rental. Well, Ms. AoM, our insured hasn't called us back, so we can't go forward. Well, I'm sorry if your insured doesn't want to call back and admit fault, it isn't MY fault and in the meantime I'm ruining my tire and potentially my car by trying to do the right thing. Well, Ms. AoM, here is the number for the adjustor assigned to your case. Guess what? I called and the woman *using restraint here* is out of the office for the day. What a surprise. So, I'm in full-blown meltdown crying rage at this point. I leave her a message and then call my insurance back. My claims adjustor said he'd make sure that both State Farm and I will get our money back on this. The police report wasn't ready yesterday, but he'll try again today, and with that, they'll know that she was at fault.

Within 20 minutes of talking to my claims guy, I get a phone call from the rental car folks to know where and when to pick me up. Last big wreck I had back in 95, me and the other gal both had State Farm and even with the other lady making up crap, the issue was settled really quickly. You get what you pay for sometimes. In this case, I'm really happy that we didn't compromise on cheaper service.

And, Chris - that threat of a lawsuit is looking better all the time to me. Mental distress on top of the car. But, I have to say, it was good to have a big old cry this morning. Usually, I have to watch Steel Magnolias to cry like that.

7 Comments:

  • At 10:06 AM, March 28, 2007, Blogger Gadfly said…

    Oh F#$@%

    I am so sorry you have to go through this. Dealing with that kind of crap makes me think about getting a rifle and finding a tower.

    :-/

     
  • At 11:34 AM, March 28, 2007, Blogger Chris Hughes said…

    In the end, the old battle-axe and her insurance will have to make you whole. Its not worth getting upset about. You did the nice thing and tried to work with her company, which is above and beyond your responsibility. If you went out and rented a car without contacting ANY insurance company, they would still have to pay the bill as long as it was a reasonable rental (Reasonable means that similar to the car that was damaged).

     
  • At 4:09 PM, March 28, 2007, Blogger Kelly said…

    I have USAA because of my Dad. I LOVE my insurance (knock on wood as I can't afford an accident!)

     
  • At 4:18 PM, March 28, 2007, Blogger .. Dallas Meow >^^ said…

    was hit by a 16 year old kid last summer. his parents were gonna 'take care of it'. turns out he was EXCLUDED from the insurance. I didn;t want to go through my insurance because
    1. I am so new to Texas - and have a 10 + year clean record. Wanted ot to stay such. 2. Was about to add a second driver. Male. 16 years old as well.
    3. Said 16 year old has his own vehicle. An SUV I knew I'd have to add to the policy.
    So I didn't file with my insurance.
    Now his parents are magicians.
    I'm out $1300.
    It would be more if I didn't have friends that helped.
    What's wrong with people that they would not accept responsibility for their kid.
    OH yeah, and he's a start athlete. In the paper or being interviews all the time bragging about how much he sacrifices.
    ^%RF(%!^^?><(**!&

     
  • At 4:28 PM, March 28, 2007, Blogger Army of Mom said…

    Sometimes trying to do the right thing just comes back to bite you in the butt. I lost a day of getting this done by trying to be kind and let the lady's insurance handle things. *shrug*

     
  • At 8:50 PM, March 28, 2007, Anonymous Anonymous said…

    You got any nudies of the woman you left a message with? I'm gonna guess she's hot or something.

    Or maybe of the battle axe?

    Sorry, I got problems...

     
  • At 10:35 PM, March 28, 2007, Blogger MrsDoF said…

    Whew, I'm glad to know State Farm is treating you properly.

    The World Headquarters is in our county. I know many folks who work at 'the Farm'.

    Better Luck tomorrow. No matter who is at fault, accidents have a way of draining energy and finances.

     

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