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Bummed about INS

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bloodsmear:
From what I can tell is the guy infront of me backed his trailer ladder into the glass. You can see a small spot of impact 6" down from the winshield. probably from another rung of the ladder.

To get things streighened out, I have actualy paid an atourney to call them.  Sucks but I feel he might make some head way. The best quote here on the Ca coast line has been $1500 to replace the glass. If Ihave to pay $200 to the atourney to save me $800 it will be worth it :) I bought full coverage for a reason. I will give updates as they come.

BigDfromTN:
For clarification....

Did they deny to pay at all?  Or deny it as an Uninsured motorist claim?

Here in TN, (not sure about other states) for it to qualify as a UM claim with a "hit and run" there has to be a Police report.   I really dont see how they could completely deny it under comprehensive as even a stress crack would have been covered.

Don

Theberrys:
The mission of a Insurance Company is to collect premiums and not pay claims so they can take the money you give them and loan it back to you to buy a house.
 
I'm not at all surprised they denied the claim. It's what they do.
It's a sweet business when you can get the government to pass laws that require your customers to buy your service on your terms.
Thanks for helping "Redistribute The Wealth" in this country.

Molaker:

--- Quote from: Theberrys on May 11, 2012, 01:16:09 PM ---It's a sweet business when you can get the government to pass laws that require your customers to buy your service on your terms.

--- End quote ---
Actually, this is a misleading statement in this case.  One is only required to buy liability which wouldn't cover this anyway.  But, if one must blame it on something, the government is as good as anything, I suppose.  Personally, I see this as a commercial enterprise doing what commercial enterprises do - make money.  If you don't like the way they do business, don't do business with them.

Carl L:

--- Quote from: Theberrys on May 11, 2012, 01:16:09 PM ---The mission of a Insurance Company is to collect premiums and not pay claims so they can take the money you give them and loan it back to you to buy a house.
 
I'm not at all surprised they denied the claim. It's what they do.
It's a sweet business when you can get the government to pass laws that require your customers to buy your service on your terms.
Thanks for helping "Redistribute The Wealth" in this country.

--- End quote ---

To the best of my knowledge, the only insurance that the states require that a motorist carry is public liablity and property damage (PL/PD).    PL/PD protects the victim in an accident for which you are liable.   Moreover, in California, the PL/PD minimum requirement is only:
* $15,000 for injury or death of 1 person per accident
* $30,000 for injury or death of 2 or more persons per accident
* $5,000 for any property damage per accident. 15/30/5 is not going to get you too far in a state where the courts routinely levy damages in 6 and 7 figures for injuries.   A person with any sort of assets or income is well advised to carry insurance in the 6-7 figure range.   
 
What is redistributing the wealth is not the insurance requirement, it is the insurance need.   If you get into a injury-involved accident, you are going to need that insurance, just for the lawyers you will need, even if you are not at fault.

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