Get rich quick - update (I got screwed)
- Thread starter codemonkey
- Start date
bout 3-4 years ago i was driving a 240Z, sitting stopped at a light when i got rearended by a chick driving her boyfriends lifted fullsize chevy...doin atleast 40.
i had a hard time getting the insurance company to cover my med bills, as they called me trying to settle, before i even heard back from ym doctor the day after it happened.
i managed to milk it out for just under the 2 year deadline, making the insurance company pay my legit med bills and physical therapy bills.... now i did have real injuries, went through all the 3 times a week visits to the therapist, back and forth to the doctor, i walked away 2 years later with all the bills paid and a pain and suffering check for 5K. i thought this was overly fair on my part, and wasnt looking to get rich off of an accident.... because "accidents happen".
now i did talk to lawyers..who were more than willing to go after the insurance company for 10 times what i got, but i didnt feel it was the right thing to do.... and i guess being able to sleep at night is worth more to me than money in the bank.
i think in this specific case... it is more the lawyer pushing for a big cash settlement.. and the stupid lady jumping at the chance to make a few bucks who will ultimatley be paid by the rest of us.
i had a hard time getting the insurance company to cover my med bills, as they called me trying to settle, before i even heard back from ym doctor the day after it happened.
i managed to milk it out for just under the 2 year deadline, making the insurance company pay my legit med bills and physical therapy bills.... now i did have real injuries, went through all the 3 times a week visits to the therapist, back and forth to the doctor, i walked away 2 years later with all the bills paid and a pain and suffering check for 5K. i thought this was overly fair on my part, and wasnt looking to get rich off of an accident.... because "accidents happen".
now i did talk to lawyers..who were more than willing to go after the insurance company for 10 times what i got, but i didnt feel it was the right thing to do.... and i guess being able to sleep at night is worth more to me than money in the bank.
i think in this specific case... it is more the lawyer pushing for a big cash settlement.. and the stupid lady jumping at the chance to make a few bucks who will ultimatley be paid by the rest of us.
yeah getting hit at 40mph by a fullsize chevy is a world of difference from rubbing against a mustang in a parking lot. Sounds like you were right to do what you did.
race-rodz said:
unfortunantly the insurance company is there to protect thier bottem line. They will most likely leave a person out to dry when it comes down to it.
As an update, yesterday my insurance renewed, and it was twice as much as it was previously.
I expected a raise in rates because of a speeding ticket I recieved, but I thought double was a little much, so I gave them a call. After about an hour on the phone, they told me it was because of a speeding ticket that I reported to them, and a claim against geico was satisfied.
So I asked the guy "you mean the accident was declared my fault?"
"no sir. But a claim was satisfied by Geico due to an accident".
"so was the accident my fault?"
"no, but a claim was satisfied".
So in other words, even though the accident was declared her fault, she was still able to make a claim against me, for an amount they wouldnt disclose.
I tried to no avail to get the status of her claim several times, and they could never tell me. Then they paid her off, and I didn't even have a chance to fight it.
So I guess now that the claim has already been filed, I can talk about it.
One morning, I was backing out of my parking spot, and I put the car in first and started accelerating. I was only about 1 car length from my spot. This toyota comes cruising around the corner, and comes up behind me, and swerves around me really quick, striking the back bumper of my car.
I get out and make sure everyone is ok. Everyone is fine. There is a young man driving, and an older woman in the passenger seat. I pull out my ID and get the insurance card from my glove box. The lady gives me her ID, and her son walks away. I tell him I need his ID, as he was the driver.
She says "no, I was driving". At that point naturally I could see something shady was going to happen. "No, you weren't driving, he was". Then she says I can't have his ID, because he has a permit, which means only her ID is needed. I call BS on it and say that I will call the police if I don't get his ID. She gives me his ID.
Then she starts babbling about some bicycle rider in the lot. Says her son was staring at him and didn't notice me till the last minute. I don't remember seeing a bicycle rider, but then again I had my eyes on the toyota speeding at me. (he drives thru the lot very fast most of the time, this wasn't the first).
So we exchange info and she asks that I admit fault, because she can't pay to have her car fixed, she's a single mother and can't afford to fix it. I tell her I am not going to admit fault for the accident, and I would be filing a police report, and advised her to do the same. (she didn't).
I also took a bunch of pictures of the scene, which she was against, and vocally objected to. I told her to GFY and took pictures of the scene until she drove off.
I gave ALL this information to Geico, and they apparently didn't want to fight it when she called in and said her back was destroyed and she is unable to work. I even offered to take video of her running around outside (she lives in the same complex as me) and they said it would be illegal.
So now I get to pay more to compensate for an accident that wasn't even declared my fault. Another victim of lazy opportunistic people I guess.
I expected a raise in rates because of a speeding ticket I recieved, but I thought double was a little much, so I gave them a call. After about an hour on the phone, they told me it was because of a speeding ticket that I reported to them, and a claim against geico was satisfied.
So I asked the guy "you mean the accident was declared my fault?"
"no sir. But a claim was satisfied by Geico due to an accident".
"so was the accident my fault?"
"no, but a claim was satisfied".
So in other words, even though the accident was declared her fault, she was still able to make a claim against me, for an amount they wouldnt disclose.
I tried to no avail to get the status of her claim several times, and they could never tell me. Then they paid her off, and I didn't even have a chance to fight it.
So I guess now that the claim has already been filed, I can talk about it.
One morning, I was backing out of my parking spot, and I put the car in first and started accelerating. I was only about 1 car length from my spot. This toyota comes cruising around the corner, and comes up behind me, and swerves around me really quick, striking the back bumper of my car.
I get out and make sure everyone is ok. Everyone is fine. There is a young man driving, and an older woman in the passenger seat. I pull out my ID and get the insurance card from my glove box. The lady gives me her ID, and her son walks away. I tell him I need his ID, as he was the driver.
She says "no, I was driving". At that point naturally I could see something shady was going to happen. "No, you weren't driving, he was". Then she says I can't have his ID, because he has a permit, which means only her ID is needed. I call BS on it and say that I will call the police if I don't get his ID. She gives me his ID.
Then she starts babbling about some bicycle rider in the lot. Says her son was staring at him and didn't notice me till the last minute. I don't remember seeing a bicycle rider, but then again I had my eyes on the toyota speeding at me. (he drives thru the lot very fast most of the time, this wasn't the first).
So we exchange info and she asks that I admit fault, because she can't pay to have her car fixed, she's a single mother and can't afford to fix it. I tell her I am not going to admit fault for the accident, and I would be filing a police report, and advised her to do the same. (she didn't).
I also took a bunch of pictures of the scene, which she was against, and vocally objected to. I told her to GFY and took pictures of the scene until she drove off.
I gave ALL this information to Geico, and they apparently didn't want to fight it when she called in and said her back was destroyed and she is unable to work. I even offered to take video of her running around outside (she lives in the same complex as me) and they said it would be illegal.
So now I get to pay more to compensate for an accident that wasn't even declared my fault. Another victim of lazy opportunistic people I guess.
Here are the images of the devastating accident that crippled this woman and made her unable to work.
crapola
crapola
Scooby5.0Doo
That's the fastest $400 car out there
sounds like when geico got me. total damage in my "accident" was my bumper scrached her hubcap and said i caused a medium sized dent above that wheel. lets see my bumper stuck out 4 inches infront of silver plastic and my car was blue and there was a red scrach from what looked like a shoping cart in the dent. but i was only 15 driving for about 6 months and my rates trippled i told them no and swiched carriers and was all good after that
codemonkey said:
Based on what you wrote, it seems fault is not clear on this issue. I suggest you check into that first. Next, talk to a lawyer about your options. If you are not at fault, you can make the same claims against her. When she is faced with risk and the chance of losing what she has, she will change her tune. At present, she feels empowered. Unfortunatley, there is an entire medical industry that has grown up around this kind of claim. She can claim injury and pain with no empirical evidence of either.
Is she a gypsy (Rom)? How old is she?
89SportVert
Active Member
It was declared a "no fault" accident according to Gieco, whatever the hell that means. I am not even entirely sure who's fault it was. Some could say I was at fault for not accelerating away, and some could say he shouldn't have tried to pass me.
My beef isnt so much the fault of the accident, but the shadiness of her actions (claiming she was driving, not providing insurance info, etc) and also claiming to be crippled from this accident and unable to work. A 15-20 mile an hour rub against a bumper? Kind of nuts. Plus I see this woman walking all over around here, and even swimming in the pool after this happened. complete BS to me.
This is the 15 year old son who was driving, filling out his info after I demanded it.
74courier
New Member
man thats a bunch of bs i got in a wreck on the freeway going about 45-50 when a car infront of me supn out i started breaking and hit a pool of standing water and slid 300 feet into his car and nethier him or I were injured from it. if shes "hurt" from that then i should of died in my wreck.
tehnick
New Member
When I bought my Mustang a few months ago, I was in the process of getting insurance put on the car so I could take it off of the lot. I had Progressive before my other car had some mechanical issues which led me to cancel my policy and take the bus for awhile. So in the process of getting insurance, I was quoted around $160 per month for full coverage with 50/100/50. I told the guy to go ahead and do it up, then all of a sudden it is explained to me that my rate would be changing to $290 a month instead of the $160. I was like "whoa, back the **** up... why is it $130 more than what you just quoted me"? He explained that there was an unclaimed accident that was filed against me, and that he was unable to give me any info after I demanded to know the details. I felt like this jerk off was trying to scam me, and I called him out on it. I explained to him that this was impossible, because my car had been parked in my carport and was undrivable because of a wheel bearing that had gone out. I also explained that the only cars that were ever next to me was some crappy old teal Geo, while the space to the right of my car was vacant due to someone moving out. He then told me he could give me a reference number, and that I could call it in and have an explanation MAILED to me, and that there would not be any way to talk to a representative with that company regarding it. I told him to get ****ed, and hung up the phone.
I was able to speak to a different agent that works with Safeco, and when I gave her my info she stated the same thing regarding an accident filed against me, but she had all of the details on the claim. It was pertaining to a 2002 Mazda 6 back on October 10 of 2004, during the same exact time that my car was actually in the shop being repaired. The rest of my record was squeaky clean, no tickets or accidents except for that odd claim. It turns out, the 2002 Mazda 6 was my sister's car that had been involved in a hit and run while she was at work, and it was a claim that she filed for the damage. Somehow, it was linked back to me and I have no idea how considering that she lives in Bend and I had been living in the Portland area since May of 2004. Needless to say, the agent was able to disregard that claim and get me set up. I am currently paying $182 and some change a month for my coverage, but hopefully this will go down in May when I turn 25.
The insurance industry is a scam. It's like what Chris Rock said, insurance should be called "In case **** happens". But what if **** doesn't happen? No refund? NOPE, it goes to pay for people who file
claims that get paid out. We all end up paying for it in the long run. It's crapola
I was able to speak to a different agent that works with Safeco, and when I gave her my info she stated the same thing regarding an accident filed against me, but she had all of the details on the claim. It was pertaining to a 2002 Mazda 6 back on October 10 of 2004, during the same exact time that my car was actually in the shop being repaired. The rest of my record was squeaky clean, no tickets or accidents except for that odd claim. It turns out, the 2002 Mazda 6 was my sister's car that had been involved in a hit and run while she was at work, and it was a claim that she filed for the damage. Somehow, it was linked back to me and I have no idea how considering that she lives in Bend and I had been living in the Portland area since May of 2004. Needless to say, the agent was able to disregard that claim and get me set up. I am currently paying $182 and some change a month for my coverage, but hopefully this will go down in May when I turn 25.
The insurance industry is a scam. It's like what Chris Rock said, insurance should be called "In case **** happens". But what if **** doesn't happen? No refund? NOPE, it goes to pay for people who file
claims that get paid out. We all end up paying for it in the long run. It's crapola
Funny how you cant take the video showing that she is fine but when they want there detectives to take video it's fine? You know you could always do the video and then take it to an atty. just to prove to him that she is fine that might help him fight for you better, even tho they claim you cant do it? Good luck peace
john
john
Yeah, I could. I'm debating it right now. Because its a $350 increase over 6 months, $700 a year savings for the price of a lawyer probably isnt worth it, there is no guarantee they would pay my atty fees. Still something to think about.
codemonkey said:It was declared a "no fault" accident according to Gieco, whatever the hell that means. I am not even entirely sure who's fault it was. Some could say I was at fault for not accelerating away, and some could say he shouldn't have tried to pass me.
My beef isnt so much the fault of the accident, but the shadiness of her actions (claiming she was driving, not providing insurance info, etc) and also claiming to be crippled from this accident and unable to work. A 15-20 mile an hour rub against a bumper? Kind of nuts. Plus I see this woman walking all over around here, and even swimming in the pool after this happened. complete BS to me.
This is the 15 year old son who was driving, filling out his info after I demanded it.
If it is a no fault accident, then her claim would be against her own insurance, not yours. Each party must deal with its own damages/claimants -at least that is my understanding (I claim no expertise). Does your above comment mean that you are off-the-hook for liability? That is your only real worry. You cannot bring justice to the system. If her insurance company wants to go after her for a fraudulent claim, that is up to them. It is a common occurance. I can make a call and verify facts for you if you need me to. I have a friend who owns an insurance company. Just articulate your questions for me and I can make the call.
Turning 25 is when you become a "responsible adult" in the actuarial-table mind of the insurance companies.
www.progressive.com
Gieco sucks. Thier prices were higher than progressive.
Progressives customer service is good, and they paid out on my wifes car within 3 days.
Gieco sucks. Thier prices were higher than progressive.
Progressives customer service is good, and they paid out on my wifes car within 3 days.
SVTdriver
Founding Member
hungrymonkey said:
I would love to say progressive is better. After all I was a customer for 5 years. But currently my state farm coverage is 1/3 the price for the same car.
I swear to God that the insurance companies roll dice when it comes to giving price quotes.SVTdriver said:
State Farm was so astronomically more expensive that I would of gone back to usaa and saved money.
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