|
| |
 | 
02-28-2009, 10:38 AM
| | Junior Member | | Join Date: Jan 2009
Posts: 6
| | | Is this FOR REAL?!? If so, it's BS!!!
What is the name of your state (only U.S. law)? Minnesota
I was recently involved in a minor accident. Damage to my car was very minor and just cosmetic damage so I wasn't going to claim it with my insurance. The insurance adjuster from the other party's ins company attempted to call me for my side of the story to determine fault. I returned his call three times, left 2 messages and was unsuccessful in reaching him (the 2 times he called me I was working an unable to answer.)
5 days goes by and this ins company sends me a bill for the damages to the other party's vehicle. I call the ins company and dispute being responsible for these charges. The ins adjuster tells me that MN law states you have 5 days to state your case to him otherwise its just assumed its your fault-100%. I tell him I want to take this to court and he says "I am the judge, this is the final decision, there isn't an option of going to court, you are responsible for the damages."
This seems like BS to me!!! Because I wasn't able to get ahold of him during this "5 day period" I have to pay for these damages without being able to have my day in court?!? Is this really how the law works in MN??? So basically anyone can accuse someone of hitting their car, and if its under $2000 in damages they don't need any pictures or proof and if you don't get ahold of their ins company you must pay for it with no option of seeing a judge??? Seriously, how can an ins company's adjuster be the judge?! Obviously the ins comany will do anything they can to not have to pay for a claim, so how is this possible?? or legal?? or ethical?? I think its BS!!!What is the name of your state (only U.S. law)? |
02-28-2009, 10:43 AM
| | Senior Member | | Join Date: May 2000 Location: Catatonic State
Posts: 75,781
| | Quote:
Originally Posted by Elli0513  What is the name of your state (only U.S. law)? Minnesota
I was recently involved in a minor accident. Damage to my car was very minor and just cosmetic damage so I wasn't going to claim it with my insurance. The insurance adjuster from the other party's ins company attempted to call me for my side of the story to determine fault. I returned his call three times, left 2 messages and was unsuccessful in reaching him (the 2 times he called me I was working an unable to answer.)
5 days goes by and this ins company sends me a bill for the damages to the other party's vehicle. I call the ins company and dispute being responsible for these charges. The ins adjuster tells me that MN law states you have 5 days to state your case to him otherwise its just assumed its your fault-100%. I tell him I want to take this to court and he says "I am the judge, this is the final decision, there isn't an option of going to court, you are responsible for the damages."
This seems like BS to me!!! Because I wasn't able to get ahold of him during this "5 day period" I have to pay for these damages without being able to have my day in court?!? Is this really how the law works in MN??? So basically anyone can accuse someone of hitting their car, and if its under $2000 in damages they don't need any pictures or proof and if you don't get ahold of their ins company you must pay for it with no option of seeing a judge??? Seriously, how can an ins company's adjuster be the judge?! Obviously the ins comany will do anything they can to not have to pay for a claim, so how is this possible?? or legal?? or ethical?? I think its BS!!!What is the name of your state (only U.S. law)? | **A: maybe it's tantamount to real BS. |
02-28-2009, 10:47 AM
| | Senior Member | | Join Date: May 2000 Location: Catatonic State
Posts: 75,781
| | | Why do you subject yourself to being held hostage by the other insurance company. You were supposed to file a claim with your own insurance co. You do have insurance right? And this is a civil matter in which case you can sue and have your day in court. Why are you wanting to deal with idiots? Maybe you have no insurance or have previous claims and do not want your insurance to find out. What is the true story here? |
02-28-2009, 11:34 AM
| | Junior Member | | Join Date: Jan 2009
Posts: 6
| | | I didn't want to submit a claim to my insurance because the damage to my car was minor and just cosmetic and not worth my insurance going up $100 or whatever every 6 months. And as for the "damage" to the other vehicle, I am disputting that there was damage, I believe the other party either had previous damage or it happened after our accident because at the time of the incident I suggested calling to police to file a police report and the woman declined (as we were looking at her squeaky clean car with no visible damage!) |
02-28-2009, 11:55 AM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 17,840
| | | You can post this in the first thread you started but I already told you what you needed to do.
[url]http://forum.freeadvice.com/auto-accidents-vehicle-claims-1/what-heck-am-i-do-451075.html[/url]
You rear ended her. It is DEFINITELY your fault.
__________________
Lawsuits are not about justice. They are about MONEY. If you don't want money, then you shouldn't be thinking about suing. And people post here because they are thinking about suing. Because they want money, no matter how much they don't want to admit that to themselves.
-Auto insurance adjuster for 2 years - as of 6/15/09, I am FREE!
|
02-28-2009, 11:55 AM
| | Senior Member | | Join Date: Sep 2008
Posts: 3,763
| | | This is why you have insurance.
Insurance adjusters will ALWAYS tell you it was 100% your fault. They won't, however, try that song and dance on another adjuster that actually KNOWS the ins and outs.
Call your insurance company... let them handle it.
__________________ Quote:
Originally Posted by jdslilangel Just leave it as is and stop making yourselves sound real stupid about the sisutation at hand. Further more I don't need to know how to spell corcetly on here. I know how to spell perfectly fine. I did graduate high school and never once had any problems with my grammer. | |
02-28-2009, 12:00 PM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 17,840
| | | It IS 100% his fault. He rear ended the other car.
__________________
Lawsuits are not about justice. They are about MONEY. If you don't want money, then you shouldn't be thinking about suing. And people post here because they are thinking about suing. Because they want money, no matter how much they don't want to admit that to themselves.
-Auto insurance adjuster for 2 years - as of 6/15/09, I am FREE!
|
02-28-2009, 12:04 PM
| | Senior Member | | Join Date: May 2000 Location: Catatonic State
Posts: 75,781
| | Quote:
Originally Posted by ecmst12 It IS 100% his fault. He rear ended the other car. | **A: that's good enough for me. The OP was not forthright in posting. |
02-28-2009, 12:12 PM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 17,840
| | | By the way, your insurance WILL find out about this accident no matter what at this point, and they WILL find out it was your fault. Insurance companies use a shared database to find accidents so when your policy is up for renewal, they will search it and find this accident. So there is absolutely no reason not to report it now.
__________________
Lawsuits are not about justice. They are about MONEY. If you don't want money, then you shouldn't be thinking about suing. And people post here because they are thinking about suing. Because they want money, no matter how much they don't want to admit that to themselves.
-Auto insurance adjuster for 2 years - as of 6/15/09, I am FREE!
|
02-28-2009, 01:18 PM
| | Junior Member | | Join Date: Jan 2009
Posts: 6
| | | I might just end up claiming it with my insurance. But thats what I'm trying to figure out. And again, what you seem to not be understanding is
I DONT BELIEVE THIS SO-CALLED DAMAGE TO THE OTHER PARTY'S CAR WAS FROM OUR ACCIDENT!!!!!! |
02-28-2009, 01:56 PM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 17,840
| | | YOU can't determine this. Your insurance company can.
__________________
Lawsuits are not about justice. They are about MONEY. If you don't want money, then you shouldn't be thinking about suing. And people post here because they are thinking about suing. Because they want money, no matter how much they don't want to admit that to themselves.
-Auto insurance adjuster for 2 years - as of 6/15/09, I am FREE!
|
02-28-2009, 05:46 PM
| | Junior Member | | Join Date: Jan 2009
Posts: 6
| | | What I was going to do was just pay out of pocket if I needed to and not claim it with my ins because it would be cheaper in the long run than having my rates go up... but you're saying they will find out I've had an accident (even though they didn't have to pay for it) and my rates will go up anyway?? Cuz if that's the case then ya there would be no reason not to go through my insurance. |
02-28-2009, 05:47 PM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 17,840
| | | That's exactly what I'm saying.
__________________
Lawsuits are not about justice. They are about MONEY. If you don't want money, then you shouldn't be thinking about suing. And people post here because they are thinking about suing. Because they want money, no matter how much they don't want to admit that to themselves.
-Auto insurance adjuster for 2 years - as of 6/15/09, I am FREE!
| |
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests) | | | | Thread Tools | | | | Display Modes | Rate This Thread |  Linear Mode | | 
Posting Rules
| You may not post new threads You may not post replies You may not post attachments You may not edit your posts
HTML code is Off | | | |
