----- Original Message -----
Sent: Wednesday, June 27, 2007 8:49
AM
Subject: Re: [FWDLK] Car insurance new
thread
About six years ago I was backing a very large
and very blind truck in a grocery store parking lot. It was about 0700
hrs and I had surveyed the scene before moving the truck. There wasn't a
car in the lot besides a few employee's rigs parked way out on the
perimeter. Because of the visibility problems, I was backing VERY
slowly. So slowly, that when I heard a crunching sound, I stopped to get
out and found a 1991 Chevy Lumina sedan with a 1" hole punched in the plactic
headlight by the bumper of the truck ! The driver had pulled right in
behind me and waited for me to hit him. These cars have a real sloped
nose and anything over 1/8 mph would crunch out the headlight and get the hood
too, but I was being SO careful because of the blind backing that I
barely broke the plastic before stopping.
Now, a headlight assembly on a ten year old Lumina is
cheap and common as dirt, so no big deal, right ?
This guy gets to hollering about being a lawyer, it is
all my fault, why wasn't I looking?, why was I going so fast?, etc., and
we come to an agreement that he will go get estimates for repair. I call
my insurance carrier - Snake Farm - and ask for advice on how to proceed, ....
should I claim it ?, ... or just pay the ten dollars at a wrecking yard and
replace it ? They advise I just let the guy fix it at the shop of his
choice and let the claim be made, saying it will not affect my policy or rates
for anything under $750.
I thought this guy was a scammer from moment one, but
when he made a claim for a $570 headlight lense replacement, all suspicions
were confirmed. But it gets better.
Next thing I know, my agent's office girl calls and
informs me of the claim amount and that Snake Farm is going to drop me !
I had almost ten years of clear driving record, and I allowed the claim on
THEIR direction ! We argued round and round, but like every other
insurance dealing I have ever had the pleasure to experience, they do whatever
they please and screw the customer.
Snake Farm will NEVER get my business again, and I
would advise anyone else to do likewise. They will toss you under the
proverbial bus in a heartbeat, even after a long and friendly dealing with an
agent I thought was a friend.
B.
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