Car insurance vent...(and 18yo needs pixies again!) About This Page:

[graygables]

The Divine Miss M was in a fender bender a few weeks ago. Drove into the back of someone who was turning right and decided to stop suddenly. Ouch. She got a hundred-something dollar ticket (and the other 2 people did too for no insurance). I get a phone call, needing to talk to me about my vehicle that was involved in an accident. I *used* to own her car, but signed it over to her when she moved. She is now on my Dad's policy, since she lived with them.

I called and explained the whole situation (AFTER my Dad had called and explained), so we thought it was all worked out. I get an email tonight telling me that I have a new policy to review on the website and they have taken MY car OFF MY policy! WTHeck?!? I called and, sure enough, they are reporting MY 2003 Kia Sedona a total loss and removed it from the policy in early April. Ummmmm...there's NOTHING WRONG with my car! Are you sure?, they ask. OMGOSH what is that matter with these people? The lady then tells me that DDs car is a total loss. No one has looked at her car AT ALL, how on earth can they call it a loss? I put my Dad on to make sure that all is well with his policy, but he finally hung up on the person b/c he said that she was not making any sense at all. He's going to call back tomorrow to sort it out with a higher up.

Please send pixies to DD (this was her first traffic incident and she's very upset), and to my Dad who tends to get "wound around the axle" over these things and he just doesn't need anymore frustration in the middle of grading graduate level term papers! (oh, and some that MY van actually made it back on my policy, so I'm not uninsured on this little road trip I'm on!!!)

[snoozin]

OMGoodness... you gotta love insurance companies.

Many, many pixies to your DD and DF...

[kmurburg]

Insurance companies, whether they be car insurance or health insurance, are such a pain! Too bad they are such a necessary evil! Good luck getting everything straightened out!

[Disney_Scarlett]

I've been around and around with insurance companies myself.

[RobinKay6573]

I hope you get it worked out.

Isn't your DD old enough to have her own policy and not be on your dad's? Maybe this is a learning tool for her. She is old enough to learn to deal with insurance companies and how they work. I don't think the insurance company actually has to look at the car to say it is a total loss. I know with my car the body shop called the insurance company and told them it was a total loss. Although your insurance company sounds like a bunch of bumbling idiots....just from what you have said.

[jimmymac]

[chezp]

[Tigger1221]

[wheatenwalker]

That is very strange--- how'd you get involved at all? Did your dtr have the wrong insurance cards??

[Disneyfan62]

[Teresa]

It's gotta be asked - if you signed over the car, did you actually go to the liscence bureau and change the registration? We've always done that, even when we sell cars to people we don't know. I'm not running the risk of signing over the car, handing the title to someone, and it's cheaper and easier for them to never switch it, so my name's still on it!

Pixies that you all get it fixed.

[mrsmac2001]

[graygables]

Update:
yes, when I signed it over, she had the registration changed, too. We have USAA insurance (which is usually very good!) and since my USAA account began while I was still my Dad's dependent, we're linked forever in the system. DD is still a student, so is on their insurance (that's how USAA works, she'll morph to her own policy when she's independent), but when she called the accident in, it pulled up my account, too and the agent just looked at "Kia" (we both have one). How on earth they decided it was totalled is still a mystery we're trying to figure out b/c DD hasn't taken her car to have it looked at yet (it's not that bad). Dad and I both spent time on the phone yesterday with USAA and all the cars are now properly insured and they are trying to get to the bottom of things.

[AngelOn9]

Very sorry to hear about your insurnace woes, but glad to hear you got this worked out.

Just as a side note, I work for an insurance company in claims. Its true, a car doesn't have to be looked at to be deemed a possible total loss. Based upon questions asked during the initial first notice of loss, it can be determined/decided its a total loss.

Things like the value of the car, what was impacted, and how much it will cost to fix are all taken into account when deciding a total loss.

P.S. I do not work for USAA, but I work closely with them often and I agree, GOOD insurance company. In fact, here in San Antonio...I work across the street from their HUGE "compound/military base type facility" and often think of working there one day.