More proof that no good deed goes unpunished

[Atrocities]

I think God is holding me personnally responsible for what happend to Jesus or something. I simply do not know why I have such horrid horrid luck. I just don't get it.

[narf poit chez BOOM]

God did not back into your car, God did not tell you you're at fault when you're not.

[Atrocities]

So should I return the rental and just stay home until my truck is repaired? Or keep the rental and hope that I can recover my money via small claims court?

You can only sue for X and X is really up to the judge and if s/he is in a bad mood that day...... you pay.

Something as simple as a fender bender has to be blown all out of proportion because State Farm and Farmers have to assign % blaim when there is none. Could some one please explain this to me and why something hasn't been done about it?

[Randallw]

Atrocities said:

Something as simple as a fender bender has to be blown all out of proportion because State Farm and Farmers have to assign % blaim when there is none.

May I inteject. So in the US you have insurance companies with names like State Farm and Farmers . I suppose they're for Farm workers etc. Here in Australia we just have companies such as Australian Mutual Motor Insurance and Automobile Club Insurance.

[Raging Deadstar]

Dam Atrocities... I agree you have some of the worst luck. I can't even begin to imagine whats going to happen next Maybe In a few years you'll get an equal ammount of good luck hit you?

If I were Judge for this case:
* I would make both insurance companies pay half of whatever TOTAL costs were included up front. And watch the Madness as they try and get the money back out of each other afterwards.
* Once that entertainment is complete I would have to ask the jury on one of two punishments for those guilty insurance company members:
1. Burnt at the Stake.
2. Sent to a State Prison, don't drop the soap...

I think the woman who hit you should also get a $100 bonus, For being honest, also fronted by the Insurance Company, just so you can tell them "That honesty does pay" and watch their heads explode

[dogscoff]

Surely as a customer you have some clout with your insurance company. Phone and demand that they fight your corner, and tell them you refuse to accept any culpability. Tell them you're willing to go to court if necessary. Tell them that if they don't start earning their premiums you're taking your business elsewhere. Then, when they laugh in your face, go onto the internet and find out the name of the company's biggest big boss, and write a scathing letter addressed to him/her personally.

Of course none of this will work, since imho capitalism and the free market are as big a con as democracy, in which the little people are placated with myths about their collective power to control and hold accountable the massive, self-perpetuating organisations that control and regulate every tiny aspect of their behaviour.

Oops, did I just rant that out loud? Sorry.

[geoschmo]

Since he wasn't driving at the time of the accident, I doubt he's going to any love from his own insurance company. Your automobile insurance company doesn't really cover your car, it covers you as a driver of your car.

While what is happeneing to you sucks on a personal level, it's understandable to a point. (Note that I'm not saying it's right, just understandable.) Any time there is an property damage accident in which noone was cited, the insurance company will try to make the claim that it's a "no-fault" accident and share the cost with the other side. If you had been driving at the time she hit you your own insurance company would foot part of the bill. Since you weren't they aren't going to touch it. But just because they won't doesn't mean that her company is going to want to pay the whole thing.

Your numero uno big mistake was not insisting she stay until the police arrive and fill out an accident report. Most likely she would have been citred and then her insurance company would have no wiggle room. As long as you were parked on a public thouroughfare she would have most likely been cited anyway.

If you were parked on your uncles property they probably wouldn't have cited her. But if you were parked on your uncles property then probably his homeowners insurance will help pay the damages. Of course depending on what kind of policy he has this may be really bad for him. Even if you paid the deductable out of your own pocket his insurance co might pay off and then decide to drop him as high-risk. If you think car insurance companies are bad, try dealing with those crooks.

So the big lesson for everyone is, if there's an accident, even if noone is injured, DON'T LEAVE. Call the police and wait. If the other guy wants to leave, tell him no. If he starts to leave anyway, make sure you get his plate number and be real obvious about it. Hit-Skip is not a nice thing to have on your record.

I doubt it would help At, but you might give a call to the police department and ask them if there's any chance of getting a police report filed after the fact. Most won't, but some will. If you can get a citation issued against her that will end your problem. Otherwise, get a lawyer and go after her insurance company. Chances are they'll settle this one. You won't end up whole in the end, but if the damage is significant, it would be worth it to get some back.

Geoschmo