May 09, 2005

Just Damn! Update

I just got off the phone with the claims department of my Insurance carrier, wondering why they hadn't called about the demolition derby that took out all our transportation the other night.

The reason why they didn't call? The adjuster determined that since we didn't carry collision, and the driver that caused all this mayhem to our lives couldn't be identified,so it wouldn't be covered by uninsured motorist, that the claim wasn't actionable and just closed it. Didn't think it important that, just maybe, WE would like to know the status of the claim..... So tell me, just WHAT have I been paying this company $1,800 a year for the last ten years for?!

It's obvious that a party unknown caused the damage, and I always believed thats what uninsured motorist coverage was for. Had we been driving the vehicles, we could have at least gotten a plate number, and been covered, but because this POS got drunk and/or high, destroyed THREE parked vehicles at 3:15 in the morning, with no eye witnesses present, we don't get


I've got a call into my agent to see if there isn't something to be done....if not, I guess the next step is to try to get legal counsel, and file a complaint with the State Insurance Board.

In the meantime, we don't have any means of transportation, and no means of getting any in the near future, But I want to thank all of our friends that are keeping us in their prayers, with your moral support, we will endure and overcome, somehow, even if the path isn't clear at the moment.

I won't mention the name of the Insurance carrier....but if you Google "the Brickyard 400", you may just be able to guess..."Good Hands" indeed. Good at picking pockets, at the least.

UPDATE: Talked to my agent...lost what had been a very friendly business relationship. He informed me that under Indiana law, an insurance company is precluded from paying on an uninsured driver policy unless they are able to identify the driver.

I just wonder what special lobby got a law like that passed?

SO let's see...I followed the law and carried the most coverage I could afford to keep myself legal under the law.

I have lost my total transportation ablility to a (probably) drunk (and/or car thief) driver, ( who I'm almost positive didn't bother to waste HIS money on insurance) that didn't have the guts to face his actions, and the law precludes my carrier to make me whole because of that annonimoty(sic)?

I can only come to the conclusion that the inmates are truly running the nuthouse.

I will never buy insurance again. I'll just let the other poor sucker's carrier cover his loss, and deal with them trying to collect from me. By not saddleing myself with an outrageous monthly payment, I may actually have some small amount for them to collect. At the least, I'll have enough to pay at least one or two utility bills on time every month, for a change.

Hell, an extra $1800 a year is almost enough to put my daughter back into Parochial school, and her education is certainly more important than the mandates of the STATE machine that operate in a manner that only penalizes the law abiding and allows the guilty to go scott free.

They say that this type of law keeps the premiums down for the policy holders sheeple...but I ask you, if the blatent scofflaws go scott free and the law abiding are left without redress, just where is the balance and just HOW dies it benefit the sheeple to have a lower(?!?) premium that in the end provides them no protection from loss? That $18,000 I've payed over the last ten years on "insurance" could have made a real difference in my living conditions.

OK, I've got some of the anger vented out of my spleen.

I'm a hypocrit...I don't have the guts to "go it bare" on my car. I don't want to be the guy who puts someone else in the position I'm experiencing now, and fleeing the scene of an accident would betray everything I believed in while working as a LEO.

But as Dax Montana is wont to say: JUST DAMN! Maybe this venting will help me from getting another heart attack.

I now return you to your regular lives, thank you for the kind ear, and all the thoughtful words and prayers. They may be the only thing keeping me on the thin edge of sanity, and I bless you all for that.

Posted by Delftsman3 at May 9, 2005 04:29 PM


Prayers are continuing ...

You should still file your complaing with the State insurance Commission. Also, comtact your state legislators and make them aware of the situation. They may know of something you've been paying into that may help. They may also be able to change the law so that the next poor soul that goes through this doesn't have to experience the same thing you have.

And, yes, you will most likely need to find legal counsel.

Best of luck to you!


Posted by: RightWingRocker at May 10, 2005 05:03 PM

This pisses me off just hearing about it. I've often thought that there should be more we can do when these companies pull crap like this. At the very least, if they fail to pay you I'd splash their name in big letters, along with the word boycott, across your blog. It might at least cost them a few customers that way.

Posted by: Karlo at May 11, 2005 02:16 PM

Whoever invented insurance had to be the ultimate flim-flam artist.
You should talk to the other people involved in the 'accident' and see what their insurance companies response was. Then switch to the one that offered the best coverage.
Back a few years ago when we were going through some very tough times financially we went for little over a year with no insurance. I was scared to pieces we'd get stopped and get a fine, but it never happend. You'd be surprised how many people still don't carry it. Then again, maybe not.
I hope you get things worked out soon. Your right it totally sucks!

Posted by: wanda at May 12, 2005 07:48 PM

To tell you the truth, I wouldn't believe the insurance agent who told me that Indiana law precluded them paying. I've noticed a tendency for companies to claim that the law requires something when it only permits, or forbids, when it merely doesn't require.

My favorite examples was a big sign put up by my health club once, immediately after Arizona passed a law making it illegal for health clubs to sell lifetimes memberships (the average lifetime of a health club in those days was about three years). The law didn't take effect till June, and the sign said "In accordance with state law, we will be offering special lifetime memberships until June".

If you can swing it, I'd really talk to a lawyer. This is big money.

Good luck.

Posted by: Doc Rampage at May 13, 2005 08:45 AM

Man, that's a real shot in the head. So sorry for your trouble. No it's not that you're a hypocrite. You're a responsible adult. Being responsible really sucks sometimes.

Follow through on RWR's advice. There may also be some financial help available as victim assistance through your local PD or DA's office. Unfortunately much of that is for vitims of violent crime. A long shot but give it a play. Or your state legislator. With that kind of damage the police should have a shot at id'ing the suspect vehicle (local news reports-someone drops a dime, survey repair shops, etc.). Keep on their ass.

Best of luck.

Posted by: Sig94 at May 14, 2005 02:07 PM bathroomdiscussedwithdraws

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746604: Hey, does anyone know where I can find a list of gas stations with low prices in my area?

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