Dealership wrecked MY brand new car

#226
#226
volinbham said:
surely you insurance company isn't going to stand for this.

Just to be clear; your insurance is telling you they've heard from the dealership and that the dealership wants them (your insurance to pay for it) right?

Why isn't your insurance company fighting to protect themselves?
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They are. They want me to file the claim to get the process started, said that just filing will not affect my premiums.
 
#227
#227
Also for those wanting me to name the dealership, I simply don't want to give any lawyers a heads up in case it's needed. I guarandamntee you that you will know when this is settled.
 
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#232
#232
Or just say screw the dog poop and walk into the managers office and take a squat on his desk. Just spit-balling here
 
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#233
#233
Sounds like a job for
liquid-ass-prank-butt-crack-smell.jpg
 
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#234
#234
NEOCON said:
OK...go tell the guy to lawyer up.

Meanwhile, every single insurance company has a floor full of lawyers.

let me ask a simple question for everyone here:

Who is more likely going to get the dealership to pay for this?

1) John Does lawyers representing the insurance company who don't want the claim stuck on them and impact their Trade Combine Ratio and/or stock ratings?

2) the lawyer John Doe hires on an hourly basis who gets paid no matter what?


Ok, now let me answer this....

It's the lawyer who was hired to protect the insurance company and is on the insurance companies payroll and has to win a certain amount of cases per year to keep his job.

You think State Farm, Allstate, Nationwide, Geico, Progressive is going to get stuck with a clear cut garage keepers claim?

Hell no.

And here's the beauty of all this....doesn't cost John Doe a penny.

Stop giving this guy bad advise.

Go talk to your agent, tell him the story, do a 3 way with the claims department and sub.

Now you also have the agent involved who doesn't want to lose you (ie your commissions) so he will be there helping.
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Well, that's all wrong. First, if suit is filed then the insurance company for the dealership will hire OUTSIDE local litigation counsel. This costs them and hourly rate for attorney fees that they could have avoided if their claims adjusters had settled the claim.

Second, I cannot think of hardly any incident in which one insurance company has sued another insurance company. All they do is shift payments for claims (aka push paper around) unless there is a genuine issue as to which insurance company should pay and this is usually a very complex and expensive litigation with huge loss implications.

Third, maybe this guy doesn't have an insurance agent. Maybe he bought his car insurance online. If there is an agent he couldn't care less about helping one person with a claim let alone stepping into the crapstorm that this case is. The agent would give the customer a 1-800 number and wonder why he's calling him.

I'll just say again, hire a lawyer for disputes. Pay an insurance company for the insurance. They are not the same or mutually exclusive.
 
#235
#235
volglass said:
Well, that's all wrong. First, if suit is filed then the insurance company for the dealership will hire OUTSIDE local litigation counsel. This costs them and hourly rate for attorney fees that they could have avoided if their claims adjusters had settled the claim.

Second, I cannot think of hardly any incident in which one insurance company has sued another insurance company. All they do is shift payments for claims (aka push paper around) unless there is a genuine issue as to which insurance company should pay and this is usually a very complex and expensive litigation with huge loss implications.

Third, maybe this guy doesn't have an insurance agent. Maybe he bought his car insurance online. If there is an agent he couldn't care less about helping one person with a claim let alone stepping into the crapstorm that this case is. The agent would give the customer a 1-800 number and wonder why he's calling him.

I'll just say again, hire a lawyer for disputes. Pay an insurance company for the insurance. They are not the same or mutually exclusive.
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Your problem here is that you didnt recognize who you were replying to.....it's Neo bro
 
#239
#239
Roustabout said:
Where are you getting this info?

No one is obligated to report anything to Carfax. No one. If a body shop reports to Carfax it is their decision. I have first hand knowledge of dealers who report to Carfax for service but not body shop.

Of course data can be missing from Carfax because no repair shop is obligated to report to Carfax. Many collissiom centers choose not to so as to protect their clients. Much of the accident history comes from police reports not repair shops. If the police report is poorly written (and they often are) that isnt Carfax's fault.

Example: if two cars are in an accident and the airbag deploys in only one car, both reports will likely show airbag deployment. That's because the police report may only specify airbag deployment and not which VIN.
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My own experience with my 2004 BMW M3. Several things reported on it that didn't exist. I talked to two different body shops, one in Maryland and another on Tennessee. I got the same info. If it goes on the frame machine to check for possible damage, then it gets reported. I had this issue and another where the odometer was 6k miles off after a few weeks. When you look at the hand written records carbon copy, you could clearly see 29k where they thought it was 23k. The 9 was not well rounded. Since the 23k was reported, they thought it was odometer rollback.
 
#240
#240
BearCat204 said:
His insurance company will simply say they aren't paying for it. I'm sure they are going to put their all star legal team to work for the OP.
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Not the way it works at all. They can't just turn their back on an obvious collision loss. Theyd pay out the claim less the deductible and then subrogate the daylights out of it. No way I'd just run out and hire an attorney for this. The whole point of insurance is to pay a premium to shift the risk precisely so that you don't have to do that.
 
#241
#241
volglass said:
Well, that's all wrong. First, if suit is filed then the insurance company for the dealership will hire OUTSIDE local litigation counsel. This costs them and hourly rate for attorney fees that they could have avoided if their claims adjusters had settled the claim.

Second, I cannot think of hardly any incident in which one insurance company has sued another insurance company. All they do is shift payments for claims (aka push paper around) unless there is a genuine issue as to which insurance company should pay and this is usually a very complex and expensive litigation with huge loss implications.

Third, maybe this guy doesn't have an insurance agent. Maybe he bought his car insurance online. If there is an agent he couldn't care less about helping one person with a claim let alone stepping into the crapstorm that this case is. The agent would give the customer a 1-800 number and wonder why he's calling him.

I'll just say again, hire a lawyer for disputes. Pay an insurance company for the insurance. They are not the same or mutually exclusive.
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I have a local insurance agent.
 
#244
#244
GAVol said:
Not the way it works at all. They can't just turn their back on an obvious collision loss. Theyd pay out the claim less the deductible and then subrogate the daylights out of it. No way I'd just run out and hire an attorney for this. The whole point of insurance is to pay a premium to shift the risk precisely so that you don't have to do that.
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I will admit I am not an expert as far as this situation, but I am assuming that this isnt the normal situation of someone hitting your car or a friend wrecking the car.
 
#246
#246
I have a feeling that there's more to the story. Something just doesn't sound right here.
 
#247
#247
I feel bad about getting entertainment value out of your misfortune, OP, but this is probably the most compelling thread on these boards right now. Anxiously awaiting the resolution, hoping to hear about some comeuppance.
 
#248
#248
volglass said:
Well, that's all wrong. First, if suit is filed then the insurance company for the dealership will hire OUTSIDE local litigation counsel. This costs them and hourly rate for attorney fees that they could have avoided if their claims adjusters had settled the claim.

Second, I cannot think of hardly any incident in which one insurance company has sued another insurance company. All they do is shift payments for claims (aka push paper around) unless there is a genuine issue as to which insurance company should pay and this is usually a very complex and expensive litigation with huge loss implications.

Third, maybe this guy doesn't have an insurance agent. Maybe he bought his car insurance online. If there is an agent he couldn't care less about helping one person with a claim let alone stepping into the crapstorm that this case is. The agent would give the customer a 1-800 number and wonder why he's calling him.

I'll just say again, hire a lawyer for disputes. Pay an insurance company for the insurance. They are not the same or mutually exclusive.
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You don't have a clue what you are talking about.

Insurance companies don't hire outside litigation.

I love the fact you guys are just running your mouths.

I will give you a real live example...the is an insurance company located in Columbus oh that has two entire floors filled with lawyers who handle everything from small lawsuits to large, mega ones. They are salary.

They are located on the top floor of the buildings.

There is a staircase that leads between the two floors.

How do I know this?

Because I have been there.

Because I actually know what the hell I am talking about here and not just throwing out crap I learned from tv shows.

Every company has a plethora of lawyers. A small, small insurance company is worth 50 million....and that is a small, very small company.

Second, they normally do not sue each other because when it gets to that point they already know who will win or who will lose...because they are insurance lawyers.

The paper being pushed you state here is basically how the claim will be coded...and the coding part is all that matters when it comes to payment and who is at fault.

Third...this isn't a crap storm.

You guys just don't deal with insurance so this looks like a real big deal to you.

This is a small cut and dry case. Just because you have a dealership that doesn't wanna pay a claim doesn't make this a big deal.

The Oprymills situation...that was a crap storm.

This is small potatoes.

Call your insurance company, subrogate, and move on.
 
#249
#249
BearCat204 said:
I will admit I am not an expert as far as this situation, but I am assuming that this isnt the normal situation of someone hitting your car or a friend wrecking the car.
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This crap happens every day all over the country.

It is why garage keepers was created.

It seems like a big deal because it sounds like a david vs goliath situation.

Its not.

Its some dealership that shockingly, who would thunk it, is trying to get out of a claim because they are betting he wont know how to handle it....and shockingly they appear to be right.

Every day he gets farther away from the actual accident he hurts his case.
 
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#250
#250
GAVol said:
Not the way it works at all. They can't just turn their back on an obvious collision loss. Theyd pay out the claim less the deductible and then subrogate the daylights out of it. No way I'd just run out and hire an attorney for this. The whole point of insurance is to pay a premium to shift the risk precisely so that you don't have to do that.
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No...no....run out and hire a lawyer for this.

Hide yo children!

Hide yo wife!

Don't settle for less than a 51% stake in the dealership at this point.

OP has been wronged on a level of wrong that can never be completely righted.

Nobody puts OP in the corner.

Nobody.
 
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