I'm assuming since the cars valued around 18000 its a newer car. Probably doesn't even have a frame under it. Unibody probably where frame is basically built into the body. There could be dozens of reasons the door wont open. If it got into the firewall the it probably got into where the hinges are and could have just binded them a little. Either way as they take stuff off and see more and more damage you may still get to the magic number they need to total it. I kind of agree with some of these other guys as far as the insurance company is giving you what you paid for but with all the stuff you have insured you would think they would go a little above and beyond. I know mine has and I only have 2 vehicles and renters insurance. Anyway good luck and hopefully everything will work out for you.
I usually agree with your posts tembry, but apparently this is not one of them. I actually left your first comment alone because of it. First lets analyze what is my "right". It's my right to sue anyone for anything, period. I could sue you for that post if I felt inclined to do so. Does that mean I'll win? Absolutely not, but it's my right to take it in front of a judge. You have this misconception, it seems, that just because you sue you win. People sue the insurance company because the insurance company puts their profits over doing the right thing. Judges, etc, tend to see through that and award the plantiff because of it. That "$10 mil lawsuit" got paid because the insurance company screwed someone. It happens more often than you probably think. Why? Because the insurance companies don't care about you, they care about their bottom line. Which leads me to the next part. The basis of the question at hand with the particular post that was referenced here was why insurance rates go up (which mine have actually went down significantly over the years). It's not due to the lawsuits it's due to greed. You just made my point by saying "you think they're going to eat that loss". Well, considering they made $1.7 billion in profits (that's after everyones bonuses and paychecks mind you) they can surely afford to eat it, it is greed that propels them to raise rates. Profit over doing what's right, that's the REAL PROBLEM with society today. Not people filing lawsuits when they feel an injustice has been committed. Again, just because you file a lawsuit doesn't mean you'll win. As far as filing against MDC, yeah that was said in jest. But, how else would you go about fixing the issue. Obviously it's not something the care to address, as accidents involving deer continue to rise, and continue to be a major issue. I'm surprised that the insurance companies aren't lobbying for better population control. Be sure, that if the insurance companies decide to address the issue, they will do so with a lawsuit! Best of luck to you all in the remainder of your seasons. I hope you kill 1000 deer. Good luck!
I agree that the deer should be controlled in new developments where they literally end up blocked in. All over the GTA(around Toronto) tonnes of new sub divisions were full of deer in the past(10, 15, 20 years ago..) and these continue to spread. You see a company buy a chunk of land passed another one being worked on and in between there's still bush and crop fields that they haven't broken ground yet on. Meanwhile, the deer get blocked in by work all around them. I personally think the only humane and safe way to deal with this is to remove them from the area. Whether it's by relocating them or having people/groups dispose of them in these situations. It's not fair to the deer, they'll eventually die out there anyways likely in many situations (lack of food, car accidents, small area, they start developing/clearing that land). And it's unsafe to the community.. of course someone could argue that's anywhere there's deer, but I think it's different when you're forcing them to cross a road and completely blocked them in an area.
Reading your post, it sounds to me that "doing the right thing" would be giving you more than what you paid for. Your insurance covers 30 days of rental car coverage, yet you think the insurance company should just "throw in extra days" even though you only paid for 30 days coverage. You also think the insurance company should cover medical costs, for which you didn't have on the policy. Why? Just to be nice? Just because they make a profit? I'm not at all oblivious. I'm simply amazed that people want to complain about a companies right to make a profit. Go start your own company, then have a blast "doing the right thing" and giving people all sorts of stuff they didn't pay for. See just how long your company stays in the black. Or do you get to decide who gets the "extras"? How, exactly, should the insurance company decide who gets more than what they paid for? They can't give everyone more than what they paid for, so how do they decide? Do they just give you more than what you paid for because you want it to be so? Or is there a line somewhere that they randomly select? What about the people just beyond that line. Everybody else is getting 60 days rental car coverage, even though they paid for 30, so why shouldn't I get 61 days of rental car use? Where does it stop?
I didn't buy "30 days of rental coverage", I bought "rental coverage", and that's why I'll be addressing it with my agent on Monday. We bought the coverage with the mindset that, if anything ever happens, we'll have a rental car until it gets figured out. If they wish to keep a customer, they'll figure something out. Also, never said we don't have medical payments, so not sure where you're getting that from. We do have medical coverage, and we have medical insurance (probably better medical insurance than 90% of people), but that doesn't cover the pain my fiancee is dealing with. Regardless, you can argue with me until you're blue in the face, but it doesn't change the fact that I'll be calling my agent on Monday, and consulting an attorney. You can roll over if happens to you (so that you're not infringing on their right to make a profit off of you), for me I'll be proactive. Thanks for your non-concern. :D
My advice...forget about the insurance company. You're about to get married, and you'll have much bigger problems. Save your energy and fight.
If you have Medical coverage on your policy that should pay out up to the stated value on the accident. Shouldn't matter if it was a single car accident or not. Plus there should be no deductible I wouldn't be calling people naive either, maybe you shouldn't have been so naive when you bought your policy and actually read through it. Maybe then you would have actually known what you purchased. Everytime I sell a policy with rental I make sure the customer is informed that they have "30" days of rental coverage. Maybe you should have picked a better agent? Was it all only about price when you originally purchased the policy? I really do hope your fiance heals up and is 100% in the near future. It also looks like the insurance company is doing everything stated in the policy. Why would you sue them for providing you with the coverage that you purchased?
I agree with you on this one. We have an area in Charlotte, NC (about an hour from where I live) that there has been a ton of accidents involving deer. Why? Because Charlotte wanted a new "loop" (I-485) around the city so that it would be easier to get to everything in and around the city. Where did this loop go through? Right through the middle of what was farm country. What did this do? It cut right through the middle of the deer habbitat. Now to get to where they use to go they have to cross 4 and in some places 6 lanes of busy highway that use to be deer habbitat. I can't count how many deer I have seen splattered all over the asfault or laying in the grassy median. On top of that there are litterally hundreds of new housing developments that hae pooped up on old farm land. A perfect example is the "Balentine" area. It was ALL farm land 10-15 years ago. Now that 485 is there and it is easy to get to from Charlotte, it is now full of executive homes, town homes, country clubs, golf courses shopping centers, driving ranges, new schools and anything else that can make a huge proffit. These "city folk" don't hunt and most look down on hunting yet they complain about their $80,000.00 BMW 7 series getting the front smashed in due to hitting these animals. Charlotte has done a little to help control the populations though. NC passed an urban archery season that opens in the late winter/early spring. I did not particippate last season but, I will be this season if I can find out where the hunts are permitted. From what I understand there are a lot of these areas in and around Charlotte. I think that is a small step in helping control the deer populations. If they would have done this years ago, maybe it wouldn't have been so bad in the past few years.
First off, sorry to hear that she was in an accident. Glad she is okay. My advice on everything else is that you might want to read your policy or coverage the next time you buy insurance. If you can't understand it on your own (which most people can't and shouldn't be expected to) then sit down with your insurance agent to have him/her go over it with you. I can see how when you glance over your policy with rental coverage that you might not think their is a limit to it. However, once you realize it is in writing then I don't see how you can be upset. Same goes for totaling car. Most accidents can be fixed within 30 days. You have a choice to take it somewhere else to get it fixed sooner if you wanted. As far as suing goes. You are free to do whatever you choose to do. However, insurance companies have lawyers that are employed to represent them. If you want to waste time and money on it be my guest. I wouldn't recommend it. Anything that costs the company money can affect rates for insured clients though. So high costs to execs can cost money as well as lawsuits. I'm an insurance agent. I have everyone called once a year to do reviews. The people that don't do the reviews always seem to be the ones that don't understand their coverage and complain when something happens. I'm not saying you are this person because I don't know, but if you are then you might want to sit down with current agent or next agent to fully understand what happens in a claim and how your coverage protects you. IMO, if your agent has tried to contact you or do reviews and you haven't wanted to then you only have yourself to blame. If your agent hasn't ever tried to contact you since he sold you the policy then he might be partly to blame depending on how well he explained your coverage to begin with. I always tell people I can insure them cheap or correct. I let them decide. Most people say correct and end up paying some additional premium to know they are covered correctly. Liability limits and medical payments are usually low on most other policies I see. However, it doesn't cost very much to have a higher limit. This entire message was directed at your situation, but more so to others to read and help them in the future event of an accident.
