Rat Bastards

[Phenom]

Hit somebody last night at 45mph, t-boned them, after they turned in front of me, after I checked myself to make sure I was alive, went over to check on them, and the fuks ran off on foot, beer bottles in the floorboard, no tags...

Luckily the cops caught them several hours later and locked them up, but of course they have no insurance, my car is totaled, I have uninsured coverage, but I feel like someone hit me in the side with a baseball bat, and stabbed me in the neck with a knife, so fukin pissed right now, really liked my Rodeo, but it is totaled...Just felt like venting. :director:

 

[Morris]

Look on the bright side nobody was hurt. You can replace the car.

 

[Agent 0659]

You think you hurt now, wait till the insurance company reams your ass with no lube.

Best of luck, buddy.

 

[vinnie]

You think you hurt now, wait till the insurance company reams your ass with no lube.

Best of luck, buddy.

Yea I'm sure they will find some way to f.uck him

 

[Morris]

Yea I'm sure they will find some way to f.uck him

Yep seems like they always do!

 

[SixFive]

You think you hurt now, wait till the insurance company reams your ass with no lube.

Best of luck, buddy.

classy response from an insurance agent.

phenom, hope you're not hurt too badly. Maybe one of the perps has some money? You'll find out soon.

 

[gardenweasel]

you`ll lose money on the value of your car.....and that`s pathetic...

they should feed them to Wu`s pigs..

/vague, out-dated Deadwood reference...

 

[Agent 0659]

classy response from an insurance agent.

phenom, hope you're not hurt too badly. Maybe one of the perps has some money? You'll find out soon.

I work for my clients redneck, not the carriers. Fact is you can't drive legally (or safely) without insurance so I like to help people. Unfortunately, fact is you very rarely come out anywhere near where you were before an accident.

 

[VaNurse]

Fact is you can't drive legally (or safely) without insurance

Not necessarily true, Agent. Some states, Virginia for example, will allow you to drive legally without insurance by paying a fee to the State coffers.

From the Virginia DMV Website:

Uninsured Motor Vehicle Fee
Every person registering an uninsured motor vehicle shall pay a fee of $500 at the time of registration. Payment of this fee allows a motor vehicle owner to operate an uninsured motor vehicle. Payment of this fee does not provide the motorist with any insurance coverage. If involved in an accident, the uninsured motorist remains personally liable. The fee is valid for twelve months but may be prorated for the unexpired portion of the registration period.

For many people, particularly those with the worst records, this is a more preferred financial choice than paying premiums. Sadly, most of these don't have anything to take from them anyway so a civil suit is a moot point.:shrug:

 

[DoubleDown]

Shoot first , ask questions later !!!

 

[vinnie]

Not necessarily true, Agent. Some states, Virginia for example, will allow you to drive legally without insurance by paying a fee to the State coffers

Agent knew that :mj07:

 

[SixFive]

I work for my clients redneck, not the carriers. Fact is you can't drive legally (or safely) without insurance so I like to help people. Unfortunately, fact is you very rarely come out anywhere near where you were before an accident.

whatever! In your response, you were a dick, and u weren't helping.

 

[Cie]

I work for my clients redneck, not the carriers. Fact is you can't drive legally (or safely) without insurance so I like to help people. Unfortunately, fact is you very rarely come out anywhere near where you were before an accident.

Amen to that. I had a car stolen a few years ago, and I got the shaft bigtime. I'm a property adjuster now, and feel that homeowners claims are handled more fairly in most cases than auto.

 

[AR182]

I'm a property adjuster now, and feel that homeowners claims are handled more fairly in most cases than auto.

i think one of the reasons why property cases seem to be handled more fairly is because insureds can get an independent adjuster to represent them against the insurance company, while they (not enough money) cannot get one for car losses .....another is that car losses sometime seem open to interpreptation for cause while property losses are more clear cut...

 

[Franky Wright]

I think Agent was just being funny in his sarcastic way. If you know him like I know him, I laughed at the comment because I believed he did not really mean it, and it came from an Insurance person. Maybe I'm wrong? What the hell do I know :0corn

Amen to that. I had a car stolen a few years ago, and I got the shaft bigtime. I'm a property adjuster now, and feel that homeowners claims are handled more fairly in most cases than auto.

Cie,

I beg to differ on that comment. I'm getting the Royal Shaft right now on a homeowners claim :s6:

Franky

 

[Agent 0659]

Franky, of course you are right, but don't bother explaining to some of these guys, it's a waste of time. My job is to protect my clients, not only from everyone else, but from their own insurance provider. Plain and simple! I KNOW what happens during claims, cause I have been there time and time again. That's why I set policies up correctly and teach people how to protect themselves when claim time comes. It isn't a matter of if, it's a matter of when you have a claim.

 

[Cie]

I think Agent was just being funny in his sarcastic way. If you know him like I know him, I laughed at the comment because I believed he did not really mean it, and it came from an Insurance person. Maybe I'm wrong? What the hell do I know :0corn



Cie,

I beg to differ on that comment. I'm getting the Royal Shaft right now on a homeowners claim :s6:

Franky

It happens, Franky. Sorry to hear it though. You may want to hire a public adjuster as AR182 just mentioned.

I am currently being nickel and dimed on an auto claim. I struck a guy on a bicycle. The auto adjuster gave me an absurd estimate. My tires are less than 2 months old, yet the damaged tire was depreciated over 70% based on tread wear. I know I drive plenty, but 70% in weeks is ludricous. My allignment is out of whack and I mentioned to the adjuster. He nodded his head as if he was going to include this in his estimate. Not surprisingly, it wasn't included.

 

[Cie]

whatever! In your response, you were a dick, and u weren't helping.

It seems like you've been a little testy lately. I'm guessing its the impending takeover by Obama & Co........:shrug:

 

[Franky Wright]

Yes. That is a great idea to hire an independent adjuster. So what happens with that? Say he gives me a number of 20K, and the companys adjuster gives a number of 5K, do they just split the difference? Not sure how that helps me unless its the only way to get more. Thanks for the suggestion Cie.

Agent, I wish I had you. My guy has run and hid. He left me a message last week saying he has meant to call me for a couple of months:mj07:
:SIB

WTF...

 

[Cie]

Yes. That is a great idea to hire an independent adjuster. So what happens with that? Say he gives me a number of 20K, and the companys adjuster gives a number of 5K, do they just split the difference? Not sure how that helps me unless its the only way to get more. Thanks for the suggestion Cie.

Agent, I wish I had you. My guy has run and hid. He left me a message last week saying he has meant to call me for a couple of months:mj07:
:SIB

WTF...

My clients are carriers, so I am under the thumb of claims managers and examiners employed by the carrier. Many times, I am handcuffed by their demands on specific claims. If a public adjuster enters the equation, it turns the tide in your favor. Normally, the examiners and claims managers are willing to work with a PA.

GL