Who knows auto insurance? Ins outs loopholes

Still no police report!!!!! GRRRRR!!!!

Grit dog said:

Interesting. What’s cya? UIM?
Are you saying your full collision coverage on your $60k truck didn’t pay the rest?

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CYA = cover your ass
And no they paid $47 I got stuck with the rest. Most insurance only covers what a comparable replacement would cost ( Kelly blue book value ) IN YOUR AREA. accessories or upgrades don't count.

electoqute said:

CYA = cover your ass
And no they paid $47 I got stuck with the rest. Most insurance only covers what a comparable replacement would cost ( Kelly blue book value ) IN YOUR AREA. accessories or upgrades don't count.

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You didn’t answer the question.
And I’ll assume you didn’t have UIM (I don’t because it’s a waste if you have full coverage, you’re only gambling your deductible).
Your previous post said you got the $30k from the OP and that was it. But uou added now that your ins actually covered the difference. Like they should.
Out of curiosity what was the vehicle and miles on it?
And accessories and upgrades don’t count more than whatever you have or you’ve added to your ACV coverage ….for YOUR policy. If you’re getting covered under another at fault party with sufficient insurance they’re on the hook (up to totaled cost + accessories/mods).
But what sounds like really happened is you had a vehicle that you were upside down on and that isn’t your primary insurance policy responsibility. Or just flat got hosed on the ACV.
If you showed the ins a half dozen comparable vehicles to yours for sale for $60k ( then you add TT&L) you’d have gotten that much. If you didn’t, they will take advantage of you.
Also I’d like to know what Insurance company you can get stated value coverage on a normal newer vehicle for $20/mo extra. It don’t work that way stated value is used only for exotic, antique/ highly modified and most require an appraisal. However AmFam does it in house no appraisal for classic cars. Got 2 like that currently.
Your extra $250k cya coverage is not collision coverage either. A large round number like that is either liability, PD or BI coverage. None of which cover your vehicle.

Ricko1966 said:

Still no police report!!!!! GRRRRR!!!!

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Any update?

I see alot of confusion and lack of understanding about auto insurance. As it is a significant expense with even more significant ramifications attached, for any law abiding person, it pays to get oneself at least a working knowledge of your policy’s and what they cover and what you donor don’t need, as well as understanding of how others policies can benefit or hurt you. (Like the state min coverage and how to defend against that)
Furthermore, insurance companies are a retail business and they make money on sales. The more policemen the more adders they can sell you, the more $ they make. They don’t make jack **** selling state min coverage liability policies because these are the highest risk customers. They make $ selling adders like UIM BI and PD, BI polices, towing and service packages, more liability coverage than you need, etc.
UIM is a sham because you have to have full collision to get UIM. So now you have 2 coverages for the same thing (your cars damage) and the only difference is UIM is zero deductible. So you pay $150 per term for UIM and after 2-4 years you’ve paid more than your deductible would cost to use collision coverage.
BI for self? Like UIM, if you have normal health insurance, you’re only gambling your health ins deductibles and co pays to get your injuries fixed. And if it’s serious you probably ain’t got enough BI to cover it anyways.
All food for thought.
Not only is coverage expensive, but so is getting hosed by not knowing what’s covered and what isn’t.

Oh this deal 8s total B S. Busy atm will post later.

Okay to this point what has happened. The policeman had 14 days to write his report , he used all 14. We got and read it. It is totally screwed up he has my sons car in the center lane, but he was in the far right lane. He has the damage to my sons car listed as front center. Nope Vince was hit on drivers side and bounced checked off of something, he has the wrong license plate listed as my sons car, and my sons statement as to what happened completely wrong. Everything lines up including the statement as to what happened with a different car and driver. The one in the center lane. We went to the police station and they will not correct or ammend it. They let Vince write a 2 paragraph statement, stating that is not how he described the crash, not the damage to his car, and not even his license plate number. So we think the officer waited too long to make his report and got the drivers mixed up. The person who ran off only speaks French,I guess visiting our country and freaked out scared and ran. So far everyone has turned out to have insurance, to the best of our knowledge. Now it's down to the insurance companies to figure out who did what and who's responsible. The center car occupants left in an ambulance Vince doesn't know if they were alive. 4 cars total, 4 cars totalled. The way the wreck happened somebody broke down on the highway, left there car in the centerline no lights, no flashers. The center car didn't see it until it was too late rear-ended the parked car which bounced them into Vince the 4th car plowed.into the whole mess. But they have Vince on paper as the driver that rear-ended the parked car.

^Wow…wtf? Ya that is actually a problem. The part about your son being the car that set off the chain reaction and rear ending the stopped car.
Hopefully his ins info isn’t on the police report, or hopefully Kansas as tough as they are on other weird stuff doesn’t consider the broke down car a vulnerable user. If they do, it puts everything on him as his fault potentially. From an insurance perspective. Ins co doesn’t care that he didn’t get a citation.
Have had this happen twice. Once long ago wife rear ended a little car. Just annihilated it. Little car was stopped in L turn lane at intersection. Wife passing through on a green in the L thru lane. Car in right lane cuts L clips front of wife’s truck, she is pushed/swerves into stopped car.
Bam! Her fault, apparently she should played demo derby with the car that clipped her….
Next was the one you may remember me bithcing about here. Son rear ends a tweaker that locks up his brakes and stops dead unexpectedly for no reason.
Technically ya following distance awareness etc. Tweaker gets every possible citation in the book after being arrested for hit and run, no license insurance registration, AND causing the accident.
Both times ins co says it’s your fault, you hit a vulnerable user of the road.
Thats why they must say if you rear end someone it’s always your fault.

I would have him/you contact every insurance company with sufficient explanation and proof (like damage to his car not consistent with rear ending someone at speed or at all). I could see all 3 of the other parties potentially getting him/his insurance on the hook based on what you said.
Sorry, I know this is wordy every time, but I feel like we’ve been on the receiving end of bad/false insurance decisions many times.

Hell, I’m arguing with collections about a bill form 1 company for a 6 mo policy that was canceled the day it renewed (son switched back to old ins co at the same date and never lapsed coverage nor had an outstanding balance. Well 1 day of coverage potentially based on the dates. I have mounds of proof including a zero balance owed email from the company in question a month after he supposedly took the plan. Progressive didn’t do chit about it and then sent to collections. Have gone rounds with them and Collections for almost 3 years now and they just made up another story that said the money owed was now for the previous 6 months, that was paid in full. At the end of the day imma get hosed. They’ve dropped it 50% and are holding there simply because they bought a false debt. All started by an ins co fck zing it up!)

Okay interesting turn of events. 3 of the 4 cars were insured with progressive and they have one person working on all 3, so far the stories have coordinated that Vince was in the far right lane not the center lane. The car that was unoccupied and parked in the middle lane of a 70 mph stretch of highway, with no lights or hazards at midnight was insured by American Family. American family called just a couple hours ago, said they just got the police report and are working on it. They noticed the Tag number in the police report was not registered to Vince. So he got the opportunity to tell American Family, no that is not my tag, the vehicle damage does not match my car and I didn't hit anyone I got hit. So thats a positive. I'm not sure how insurance works for sure but I'd bet since 3 of the 4 cars are insured by progressive and the abandoned car was the root cause of everything, I'd think progressive is going to tell American Family you guys owe all 3 of our customers cars,medical reimbursement and lost wages.

That’s great news. I have AmFam now and my only issue which is to your benefit is they like to payout other party and get it off their books/reduce risk.
And should be easy to get the flow down for collision money for Vince’s car because they gotta pay that cuz Progressive #1 hit Progressive #2(vince) so that processes straightforward and then Progressive can subrogate back to AmFam.

Grit dog said:

You didn’t answer the question.
And I’ll assume you didn’t have UIM (I don’t because it’s a waste if you have full coverage, you’re only gambling your deductible).
Your previous post said you got the $30k from the OP and that was it. But uou added now that your ins actually covered the difference. Like they should.
Out of curiosity what was the vehicle and miles on it?
And accessories and upgrades don’t count more than whatever you have or you’ve added to your ACV coverage ….for YOUR policy. If you’re getting covered under another at fault party with sufficient insurance they’re on the hook (up to totaled cost + accessories/mods).
But what sounds like really happened is you had a vehicle that you were upside down on and that isn’t your primary insurance policy responsibility. Or just flat got hosed on the ACV.
If you showed the ins a half dozen comparable vehicles to yours for sale for $60k ( then you add TT&L) you’d have gotten that much. If you didn’t, they will take advantage of you.
Also I’d like to know what Insurance company you can get stated value coverage on a normal newer vehicle for $20/mo extra. It don’t work that way stated value is used only for exotic, antique/ highly modified and most require an appraisal. However AmFam does it in house no appraisal for classic cars. Got 2 like that currently.
Your extra $250k cya coverage is not collision coverage either. A large round number like that is either liability, PD or BI coverage. None of which cover your vehicle.

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I got 47 total. My insurance w

Grit dog said:

You didn’t answer the question.
And I’ll assume you didn’t have UIM (I don’t because it’s a waste if you have full coverage, you’re only gambling your deductible).
Your previous post said you got the $30k from the OP and that was it. But uou added now that your ins actually covered the difference. Like they should.
Out of curiosity what was the vehicle and miles on it?
And accessories and upgrades don’t count more than whatever you have or you’ve added to your ACV coverage ….for YOUR policy. If you’re getting covered under another at fault party with sufficient insurance they’re on the hook (up to totaled cost + accessories/mods).
But what sounds like really happened is you had a vehicle that you were upside down on and that isn’t your primary insurance policy responsibility. Or just flat got hosed on the ACV.
If you showed the ins a half dozen comparable vehicles to yours for sale for $60k ( then you add TT&L) you’d have gotten that much. If you didn’t, they will take advantage of you.
Also I’d like to know what Insurance company you can get stated value coverage on a normal newer vehicle for $20/mo extra. It don’t work that way stated value is used only for exotic, antique/ highly modified and most require an appraisal. However AmFam does it in house no appraisal for classic cars. Got 2 like that currently.
Your extra $250k cya coverage is not collision coverage either. A large round number like that is either liability, PD or BI coverage. None of

Grit dog said:

You didn’t answer the question.
And I’ll assume you didn’t have UIM (I don’t because it’s a waste if you have full coverage, you’re only gambling your deductible).
Your previous post said you got the $30k from the OP and that was it. But uou added now that your ins actually covered the difference. Like they should.
Out of curiosity what was the vehicle and miles on it?
And accessories and upgrades don’t count more than whatever you have or you’ve added to your ACV coverage ….for YOUR policy. If you’re getting covered under another at fault party with sufficient insurance they’re on the hook (up to totaled cost + accessories/mods).
But what sounds like really happened is you had a vehicle that you were upside down on and that isn’t your primary insurance policy responsibility. Or just flat got hosed on the ACV.
If you showed the ins a half dozen comparable vehicles to yours for sale for $60k ( then you add TT&L) you’d have gotten that much. If you didn’t, they will take advantage of you.
Also I’d like to know what Insurance company you can get stated value coverage on a normal newer vehicle for $20/mo extra. It don’t work that way stated value is used only for exotic, antique/ highly modified and most require an appraisal. However AmFam does it in house no appraisal for classic cars. Got 2 like that currently.
Your extra $250k cya coverage is not collision coverage either. A large round number like that is either liability, PD or BI coverage. None of which cover your vehicle.

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I'll start at the top for ya. Truck was a new ( just over a year old ) 6k miles western hauler with bells and whistles. 89k new from factory. Allstate insurance w/ under & uninsured. As fore comparable vehicles you have to read fine print ( make, model, year ) is all they generally go by. Not condition, submodel, or packages - 04 chevy 3500 vs. 04 chevy 3500 western hauler. Area - none near you, to bad. Tt&l depends on state laws. Agreed value and cash value are two different things. Cash value is their opinion on value based on replacement estimates not actual costs. Agreed value is you stated amount and they charge rates for said amount. Example house - 2000 sqft @ 100 sqft = insured 200,000 actual cost 220,000 you lose 20,000. Agreed value same house you say 300,000 they insure for that amount. You get paid 300,000 regardless. As for CYA you hit 6k ford they pay 6k. You hit 300k Ferrari they pay 250k you pay 50k

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I'm late to the game and don't have much to add, but in Texas at least, you can have Uninsured Motorist without having full coverage. We have significant problems with uninsured folks down here, so my vehicles that don't have Comprehensive get UMI and Liability. If someone hits my car, it will be covered by their insurance, or by uninsured insurance. I did catch that I have comprehensive AND UMI on my wife's truck, and thanks to Grit Dog for pointing out the double coverage there, I'll fix that soon.

On the other end of it, we recently had an accident where my daughter was driving too fast in the rain, likely double the speed limit, and hit a parked car. Obviously she is in the wrong, and she is paying fully for repairs to her vehicle (insurance is paying for the parked car). But with all of that, the police looked at me like I had a 3rd eyeball when I asked if they had issued her ticket(s) yet. "No, we didn't see it or anything, we can't say she was going to fast, so it's ok, she won't get a ticket. Don't worry about it." I was blown away. No wonder we don't see much personal accountability on stuff, she was clearly at fault. "Failure to control speed to avoid an accident" was always the default ticket 20 years ago. If you hit something at 2 mph, well, you should have been going 0 mph, here's your ticket... But ripping the entire wheel off of her car and the parked car, then slingshotting across the street, jumping a curb, and almost hitting a fence in a 30 mph zone and they can't say she was going too fast?

I hope your insurance company is able to sift through the incorrect police report, it does help that much of it is internal.

Hunter79764 said:

I'm late to the game and don't have much to add, but in Texas at least, you can have Uninsured Motorist without having full coverage. We have significant problems with uninsured folks down here, so my vehicles that don't have Comprehensive get UMI and Liability. If someone hits my car, it will be covered by their insurance, or by uninsured insurance. I did catch that I have comprehensive AND UMI on my wife's truck, and thanks to Grit Dog for pointing out the double coverage there, I'll fix that soon.

On the other end of it, we recently had an accident where my daughter was driving too fast in the rain, likely double the speed limit, and hit a parked car. Obviously she is in the wrong, and she is paying fully for repairs to her vehicle (insurance is paying for the parked car). But with all of that, the police looked at me like I had a 3rd eyeball when I asked if they had issued her ticket(s) yet. "No, we didn't see it or anything, we can't say she was going to fast, so it's ok, she won't get a ticket. Don't worry about it." I was blown away. No wonder we don't see much personal accountability on stuff, she was clearly at fault. "Failure to control speed to avoid an accident" was always the default ticket 20 years ago. If you hit something at 2 mph, well, you should have been going 0 mph, here's your ticket... But ripping the entire wheel off of her car and the parked car, then slingshotting across the street, jumping a curb, and almost hitting a fence in a 30 mph zone and they can't say she was going too fast?

I hope your insurance company is able to sift through the incorrect police report, it does help that much of it is internal.

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Here is a question (because I genuinely have no knowledge of this and hope never to need it): If you get hit by an uninsured driver, do you get penalized from using your UIM to cover the damage. Its standard practice that if you hit someone and your insurance pays, the insurance company penalizes you with extra fees to recover the loss because you were at fault. But if you're not at fault, does it still come back on you financially?

@electoqute, I understand the differences. And what you’re calling CYA is PD liability coverage and has nothing to do with covering your vehicles for damage. You have $250k liability. Thats more than the min required but required nonetheless.
Doesn’t explain your payout on your totaled truck but it sounds like the ins co just settled with you for cheap. Which is hard to believe on a new truck But appears you didn’t get stated value coverage for what was very expensive accessories so they paid what you signed up for which is fairly low on a normal vehicle. You’d need to add to the collision coverage policy.
But it would have actually gotten laid out of the UIM policy since you paid for that coverage. Double covered essentially.
But if you only got $47k total you got hosed, 100%. Had nothing to do with the expensive hauler bed and whatever other aftermarket stuff though.