Complaint Review: Allstate Insurance - hartford Internet

All you stated is absolutely correct. Consider that is was about 6am, in the middle of a freezing blizzard and almost zero degrees. All I wanted to do was to get home.

The guy I talked to at Allstate did record me but I figured if I told the truth I would have no problems.

So much for honesty.

Ok. You sound like you want to help but you also sound like an adjuster. My vehicle is a 2005 Saturn Vue with no old damage. It has about 60,000 miles on it.

It is your middle name.

Also, still waiting on the year, make, and model of your vehicle as well as the mileage and condition.

These are the key elements here, and there is a reason your are not disclosing them.

So, just what kind of junk were you driving?

Most likely it is some 20+ year old car with 200,000+ miles on it and existing body damage, in addition to the heavy rust.

Yeah, you are the picture of intelligence. You blab to the insurance adjuster like he is your best friend. Now that's what I call smart!

Idiot.

I taught you a new word and I feel great. Now you can add "moron" to the other 60 words you know.

Do you know what "idiot" means?

I don't know how someone in Hartford can make and arbitrary decision like that with only knowing the basic facts.I often wonder how these people come up with the percentage. Why not 65 n% or 39%?

- The answer is simple.  You are talking to someone who's job is to pay off as little as possible in claims.  Did you really think that telling the truth was going to pry that wallet open? 

You could have been parked in a space and inside the store.  The other driver could then have backed into your car because they were texting on their cell phone.  The adjuster would still say you are 50% at fault just because you decided to park in that space.

Talking to these people over the phone is not only useless, most likely your account of the accident was recorded and if you said anything that could show fault in the least, if you do try and sue them they will use that against you.

You never did specifically say who was at fault, but based on your comments it seems as if you feel they were 100% at fault.  So if based on that situation you feel that is the case, then if the company won't settle your only action may be to file a Small Claims Case. 

Hey Donald,

If you were so smart, you wouldn't be having the problems you currently are having.

I don't have those problems as I know how to handle things as they happen.

So, big deal, I confused insurance company names. Your post was confusing and hard to read as you are a moron and don't know how to write in a logical manner.

And, just because the guy drove into you doesn't make it his fault. That is moron logic. I'm driving down the road at 45mph in my lane and have the right of way. You pull out from a driveway into my path. I hit you broadside. That is clearly your fault, but by moron logic that you use, it would be my fault.

Still waiting for the year, make, and model of your vehicle, as well as the condition. That is the real issue here.

But, you are so smart, you shouldn't have posted here. You know everything, so deal with it.

If you had read my post you would have noticed that I stated "he drove into my car". Now professor, why would I pepper Geico with crap? They are my insurance provider.

Sounds fishy? Only a moron would suggest that a person would take the time to post here for the fun of it.

Get a grip on yourself.

the phone number for Derek Lablanc is 1-860-676-4219. Please call him and tell him that this is not right.

There is alot of missing information here, and I have never seen an insurance company express a settlement offer to the client as a percentage. 50% of what? Total loss offer? Wholesale value? Replacement cost? What? 50% of what??

You never clearly identified who was at fault, and this is very important.

Also, the police should be called at any accident scene. Never just do the information exchange and leave. This opens the door to getting screwed.

The bottom line here is that most states REQUIRE that you be "made whole". It is not up to the adjuster what they are going to pay.

If the other guys insurance company has accepted responsibility for the damage, they must fix your car or replace it. Often, insurance companies try to confuse you between their internal "policy", and the actual law. If the other guy was at fault, your deductible does not apply. Your deductible only applies if YOUR insurance co is paying the claim.

I think the "50%" thing is that he is saying because nobody was charged, it is a 50/50 claim, meaning each party is accepting 50% of the responsibility. This is why in every accident someone needs to get a ticket.

And, you should never make any statement at all to any insurance representative without first talking to a lawyer, or doing your homework and learning how things work.

You do have the right to turn down that offer.

Write a few letters to the corporate offices of Geico, saturate their fax machines and email addresses until you get an answer.

You could also file a small claims lawsuit against the other guy. Sue him personally for whatever his insurance doesn't pay if you feel he was at fault. You never really specified fault.

And, you never mentioned the year, make, mileage, and condition of your car which is VERY important for us to understand what is happening.

If it is an older car, or a car not in real good condition, they can decrease your claim under the "betterment" clause in your policy. They all have them.

It is better to just avoid accidents, so you should stop "assuming" while driving and start paying closer attention to what is going on. Make your coffee at home. No problems.

That was a REAL expensive cup of coffee!