Posted on 05/15/2015 7:44:01 AM PDT by Phlap
I have dealt with several insurance companies. Two stood out for just simply taking care of me: State Farm and All State. When I had a claim, they paid for all damages and costs with no hassle. In the cases that the damage was caused by someone else, they went to town on that person’s insurance company.
Once *I* was in the wrong, and State Farm backed me 100%
Sio they aren’t alll scum...
Sue everyone. Sue the lug nut manufacturer for not putting ä warning label. Sue the hub manufacturer because it was too heavy. Sue the tire manufacturer for the pain and suffering caused by a skid mark on the house. Especially sue the driver for negligence. Your pain and emotional trauma will require a life time of therapy and you will never be able to work again. Go full ghetto lotto mode. I suggest you call John Edwards.
“So, if a wheel comes off a passing car and hits my house with some damage but no injuries, should I still sue?”
Excellent Question!!!
Unfortunately, we need more info:
1. Was the wheel that struck your home a Christian Wheel? If so, sue.
2. Was the primary motivation of the driver driven by hate? If so, this is a hate crime and you should sue and press charges - assuming you are not white.
3. Was the driver of the automobile a person of color and are you white? If so, it is your fault. I’m sorry to tell you this, but you are *only* in that house as a result of “white privilege.” You will not have a successful lawsuit.
4. Are you gay? If so, you can sue.
5. Are you a person of any color other than white? If so, you can sue.
6. What color was the wheel?
7. What country was the wheel manufactured in?
All these pieces of information are necessary to answer your question.
/s
Keep the wheel until the owner of the vehicle agrees to settle........
I had to deal with State Farm Insurance, and my story is not as pleasant an outcome as yours. I was in travel for work, and had gone out to dinner with a co-worker, and we were returning to the hotel, with me as a passenger in the vehicle. An 18 year old kid blew a stop sign, and we T-boned him. Clearly, he was at fault, and was cited by the cops for it. I broke my arm, wrist, and had a few other bumps and bruises. I had to take two weeks off from work, as they wouldn’t allow me to work, initially, but I was able to show them I could do my job, so they let me come back after two weeks. I took vacation time, for my two weeks off. I spoke with a lawyer, who advised me not to seek workmen’s comp, and instead, go through the kids insurance company, which was State Farm.
They offered to pay my medical bills, and nothing more, and told me I had to sue if I wanted anything other than medical bills. I sued, and had to travel back to the state of the accident, at my cost. They went into court, and claimed that the kids brakes failed, and that it was an unforseen hazard, and under that state’s law, he could be found not responsible, if it was true. My lawyer got the kid on the stand, and asked him if he ever had any problems with the brakes, and he said he had, ever since he had bought the truck a month prior to the accident. He said the rear brakes weren’t working. Needless to say, the judge found them responsible, and gave me 4 times my medical bills. After my medical bills, and the lawyers fee, I ended up with my medical bills, travel costs, and getting paid for my vacation with a surplus of $200.00. State Farm could have avoided it all by compensating me for my costs, and throw in an extra few hundred and I would have accepted it. State Farm at the time was my insurance agent, but obviously, they also lost a customer for life.
State Farm is the worst. They are the only company that argues the cost of repair. They want to use cheap Chinese parts, pay less than book time etc. I fight the sorry agents over any estimate.
Model XGV Size 75R14, to be specific
Why sue?? Your only supporting bottom feeding lawyers. Work it out with the tire owner or your insurance company no need to sue.
thanks for the imput and laughs. Freegards.
-PJ
What happened to the car? Did it crash, seems like it must have.
Unless it amounts to a large amount of money for repairing the damage, forget the lawyers. They take a good portion of what you get anyway. Embroiling yourself in the legal system is stressful, time-consuming and the outcome you dream about usually turns out to be a nightmare instead. Extracting yourself from the system can take forever and in the end you will look back and say it wasn't worth the trouble.
If you go through your insurance company, remember you have a deductible to cover too and your rates will probably go up for filing a claim. Sometimes its best to just cover the costs yourself and try to come to some agreement with the driver who caused the damage.
Of course, if the damage is extensive and expensive, you may not have a choice but to sue or go through the insurance company, if the other party won't cooperate. But be aware that even if you win the war, the battles will grind you down. Being right is not always the best determining factor in deciding what to do.
I have found that going it alone is the best route for my piece of mind. Fix the problem yourself and just move on. Sometimes you're the dog and sometimes you're the fire hydrant. It's just the way life is.
No.
That’s why you have homeowner’s insurance.
FWIW, I’ve worked providing services that were often paid by insurance companies for almost 30 years.
State Farm is renowned, or used to be, anyway, for its “feudal” organization. Individual regions and even offices had quite different policies for handling things.
Best tip for an insurance claim: When an adjuster tells you a claim isn’t covered, that’s often not a fact, it’s the company’s first bargaining position.
Perhaps somebody can explain something to me. If I file a claim I know to be false, I can go to jail for insurance fraud. If an insurance company denies a claim it knows, or should know, is valid they generally just laugh, when caught, and go on about their business.
Why is A fraud, and not B?
Ugh.
Guess it comes down to your local agent. Sigh.
For any Freepers in Ohio, look up Phil Breakey at State Farm.
/Disclaimer: I don’t get paid any ref fee. In fact, we came to blows back in the day when we were kids. But he is solid...
They are both fraud, but the insurance companies probably have more political clout than you or me. Such is life. Sigh.
“In fact, he made out much better than me.”.....
You have confirmed my point. Thank you.
He just made more than I did.
I don't care about that, just my side. I'm not into that whole envy thing. Something about it being a sin.
/johnny
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