612
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
this post was submitted on 29 Oct 2024
612 points (93.6% liked)
Fuck Cars
9663 readers
233 users here now
A place to discuss problems of car centric infrastructure or how it hurts us all. Let's explore the bad world of Cars!
Rules
1. Be Civil
You may not agree on ideas, but please do not be needlessly rude or insulting to other people in this community.
2. No hate speech
Don't discriminate or disparage people on the basis of sex, gender, race, ethnicity, nationality, religion, or sexuality.
3. Don't harass people
Don't follow people you disagree with into multiple threads or into PMs to insult, disparage, or otherwise attack them. And certainly don't doxx any non-public figures.
4. Stay on topic
This community is about cars, their externalities in society, car-dependency, and solutions to these.
5. No reposts
Do not repost content that has already been posted in this community.
Moderator discretion will be used to judge reports with regard to the above rules.
Posting Guidelines
In the absence of a flair system on lemmy yet, let’s try to make it easier to scan through posts by type in here by using tags:
- [meta] for discussions/suggestions about this community itself
- [article] for news articles
- [blog] for any blog-style content
- [video] for video resources
- [academic] for academic studies and sources
- [discussion] for text post questions, rants, and/or discussions
- [meme] for memes
- [image] for any non-meme images
- [misc] for anything that doesn’t fall cleanly into any of the other categories
Recommended communities:
founded 1 year ago
MODERATORS
Not a motorcycle, but my car was hit (along with several others) by a guy evading the police. I wasn't even in it, we were in a city and cars were parked along the street, and he came over a hill, ran a red light, t-boned someone, and then bounced against a bunch of cars down the street.
When I got the police report, I filed a claim with my insurance, which was the same insurance company as the criminal. They originally told me that, "There were 7 vehicles involved in this accident, and other vehicles were damaged much worse than yours, so we're not sure if his policy will cover all of the damage... So we'll have to file the claim under your policy, you'd just have to pay your deductible."
Absolutely not, I told her. "Well Sir, you have to unders-"
"No, ma'am, YOU need to understand that your customer's inability to be a responsible citizen is NOT my problem, and I am NOT having my premiums go up, or paying my deductible, when I did absolutely nothing wrong." After escalating to a manager and giving her an earful while threatening to drop my policy with them effective immediately, they miraculously realized his policy would cover the damage to my car. Easy day, right?
Now, I'll be honest: The damage to my car was completely cosmetic, but I was poor and could have really used some extra cash, hence why I was pursuing it. Well, brought the car in to be looked over by the insurance folks, and the assessed damage was like $800. Cool, I asked her for my check so I could go home.
"Oh, well, Sir, you still have a lien on the vehicle, and normally we would send it to your bank, and they would tell you where to go and then pay the repair shop."
Oh, cool, well, that's not what we're doing, I already have a shop lined up, I said, but needed the money for the parts.
Big tall dude comes over, also an insurance employee, as the woman and I are going back and forth, and he chimes in and goes, "Well, Sir, y'know, typically the bank holding the lien wants to handle these things, and, y'know, if the repairs aren't made and they repossess the vehicle, you could owe the repair costs."
My response: "Huh, fascinating. Sounds like a conversation between my bank and I, and with all due respect, I don't understand who you are to have that discussion on their behalf."
"Just cut him the check," as he walks away.
I fucking hate insurance companies.
I had a shitty white Kia Rio that I wrote off in a snowstorm. I borrowed my dad's car to drive while I looked for a replacement I could afford, and after a few weeks my insurance said 'we paid you the coverage. If you don't put a new car on your policy, we'll cancel it.' ok, fine. I put my old junker (car before the Rio) on it - wasn't even road worthy, but I had accident forgiveness on this policy and if I had to start over I'd get higher premiums.
I found a car a week later. Called the broker to switch the policy.
'we can't remove this car from the policy unless we contact your bank first '
What.
They claimed because I had bought my Rio with a bank loan that they couldn't remove my junker without permission from the bank.
I argued with this person politely for 10 minutes, pointing out that I'd paid the car off 2 years prior. They said 'well I'll need to check with the underwriter then.' fine. I get a call back 30m later, same person. 'no, we need permission from the bank according to the underwriter.'
This pissed me off because I knew I was being lied to. "Now I know you're lying to me. I have the cheque from the underwriter cashed in my account. They would not have issued it to me if there was any issue with the bank. I am not a customer of that bank, have not been for 2 years."
'well sir, I need to confirm that with the bank'
"If you contact the bank in reference to me in any way, shape, or form, I will sue you for breach of privacy and file complaints with every government office that I can. DO NOT CALL THE BANK. SWITCH IN THE NEW CAR."
They refused. I called back 2 hours later, got someone else. Told them I needed the new car switched in.
They did it, and a week later I filed a written complaint to the broker about the other rep, firmly underscoring the lying.
No idea if it was related or not, but the branch got downsized away less than a year later.
Anyway, fuck insurance companies.