Is Travelers the worst aut insurance company?
I only have Liability when my car be totaled in a collision next to another car, so my insurance co. would single pay for my saloon, of course. But Travelers, (the insurer of the other car) claimed I be 80% at fault even though I be making a legal turn and the other saloon smashed me in the side because he be doing over 50 in a 30. The other piece, when my car needed to be inspected so I could carry the other 20%, they took over a week to send a claims adjustor and later didnt tell me for another week that it have been inspected a week ahead of time. Meanwile I was racking up storage fees. ($50 a day) adjectives along I tried contacting them but they kept telling me the personality who handles my skin was on leave. In the end Travers would just pay 20% of the storage even though it be 100% their fault. It should enjoy taken 1 day to seize my car inspected 2 at the most.
Answers:
Welcome to the world of insurance. Travelers does suck. I own to say alsothat the other sucky insurance companies are: Esurance, The General, and a few of those other one's that freshly pop up off and on...
I am an independent agent and Travelers is one of the companies that I represent. You do not state if you be making a left turn, a right turn or right on red which would affect the liability. Also how do you know that the other party was going 50 surrounded by a 30 mile per hour zone--was the speeding determined by radar? If this was not determined by radar, it is with the sole purpose an opinion not a certainty. All insurance companies have a duty to satisfactorily investigate and determine the liability in a comportment consistent with the imperative and can only earnings claims based on their client's liability. In some states if you are 1% at idiosyncrasy you are barred from collecting anything. In amalgamation if your car be in storage you have a duty to mitigate your damages which basically ability you should have done everything possible to not verbs racking up storage charges. If your vehicle could be repaired, you should have moved it to the shop where on earth you were ultimately going to do the repairs and you would not enjoy had storage charges--leaving a vehicle surrounded by the tow company storage just guarantees giant storage fees. When you cannot reach your adjustor, you should go off messages and if they are not returned in a timely craze then speak beside the supervisor. All of these contacts should be documented, i.e. maintain a inventory of the day and time of respectively call including proceedings on conversation, outcome and or if you left voice e-mail messages. You can also get the e-mail address of both the adjustor and supervisor and follow up adjectives phone calls beside e-mails. In terms of the policy that you mention that you own, i.e. that you have Liability insurance--if to be exact the case your policy would not repay for the damages to your vehicle in an any fluke whether you are at fault or not. The single way for you to collect for your vehicle damages underneath a liability policy would be under uninsured motorist property incapacitate coverage and then merely if you are struck by someone who is 100% at fault and is any uninsured (and this must be documented) or fled the scene without obtain any identifiable information (hit & run) documented with a police report. In expressions of your belief about the time it take to have an insurance company inspect a vehicle, adjectives companies try to do this as soon as possible (it is not in their best interests to pilfer a long time since their costs go up and it does not trade name for good public relations) but the timing depends on the number of claims that they are working next to at any given time. Travelers invented the first automobile insurance policy and in my professional feelings is among the best companies in the country. I am sorry if your experience did not come together your expectations. I hope that you heal from the turmoil cause by this accident.
Well, in attendance are "Standards of Fault" from case ruling, that are used to determine fault. And if the other guy be going straight through the intersection, and you were turning . . .. you should enjoy yielded to the oncoming vehicle - lawful turn or not - which DOES make you mostly at defect for the accident. It's truly kinda generous of them to stress their guy 20% at fault - they didn't HAVE to do that.
Now, this is lesson widely read for next time, as expected, but when you don't have collision, even if you expect the other guy is at fault, enjoy your car towed to YOUR HOUSE. That channel there aren't any storage fees - basically the towing bill.
NONE of this is Travelers fault. THEY didn't hit you. The other driver did - when you turned within front of them. You're right - it took WAY too long for them to look at your car, BUT, you're not their policyholder! THey hold NO obligation to you, until a peacemaker says their guy is at knock and has to retribution!
Now, I know you're not going to pick me for best answer, because you're not going to like these things. But subsequent time, if you want YOUR insurance company to help you work a claim, you'll own to buy the collision coverage. And before you turn moved out into an oncoming vehicle, be certain they aren't close adequate to hit you, even if they floor the gas. Because now YOUR liability will credible be paying 80% of THEIR damages, and 80% of THEIR medical/bodily injury.
Actually, if you REALLY think they're 100% at reprimand, just call for your agent, and ask them to call your adjuster (because you KNOW they're going to dance after you for the 80% of damage to their car), and ask if your insurance company agrees near their determination of fault. See how much your liability ends up paying out - and ask them for the percentage.