I HATE insurance companies !!!

romango3

romango3

Well-known member
Story goes I had a hit and run last week. Car was parked outside work the whole day. I leave work and fender door and front bumper are smashed. Call the police make a police report, I call insurance and make a claim. Since I made a police report I don't have a deductible an I leave the car at the garage.the next day the estimator comes and estimates 3000 worth of damages. A week goes by and I get my car back from the garage on Tuesday . Today I get a call saying they refuse to pay for repairs becuase my car is modified WTF!!!!!!. Why didn't u tell me this right away before I had it repaired .
 
I'm pretty sure they can't just do that to you. It sounds like you have a chance but it is going to take a lot of bitching
 
Did the garage have to replaced a modified part? if not there is no reason for them to say that. If they did then you need to check the difference in price between the OEM part and the Moded part. At worse you can pay only the diff...
 
i hate these fuckers you pay well earned money from our pocket to insure are belongings and when something like this happens they find the smallest fucking crack to squeeze through so they dont have to pay..

i dont see why being dropped or wtvr and your car getting hit while parked has anything to do with each other....

they will probebly say because you modified your car with out giving us notice(they really mean..didnt tell us so we can jack up your insurance cost) that your coverage is void..

i dont know man bitch and bitch..not sure you can hold up in court though

il ask my dad about it he works at aviva
 
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I dont want to sound like a dick but I'm pretty sure if your car got stolen you would like to have some money back for those expensive coilovers you put on and those rare BBS you bought, same for your black leather interior you had trouble fitting in your car... Thats what they do, they always try to find the smallest flaw to make you pay from your pocket but in the end maybe telling them your car is slightly modified and paying a bit more could have saved you lots of trouble..
 
wtv im not worried i picked up the car from the shop already and didnt leave any checks or anything so im not paying for anything either way .if the garage wants to get paid they should battle the insrunace
 
romango3 said:
wtv im not worried i picked up the car from the shop already and didnt leave any checks or anything so im not paying for anything either way .if the garage wants to get paid they should battle the insrunace
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theyl just send you to collections if you dont pay the bill
 
how the fuck does this make sense.. the guys parked in the fucking street and someone hits him.. he only has a chip and has coilovers.. so your going to tell me its BECAUSE he had a chip and coilovers that a random dipshit decided to smash into him? he wasnt even moving for fucks sake if a bus stop was the he would of hit the bus stop..


And call them back and tell them that they need some god damn management what the fuck is an estimator for then ? i guess time estimation isnt in his field is it ?? tell him to fuck off and eat a dick

this shit really pisses me off like u have no idea
 
bro take it easy lol ill work it out i just wanted to prove how fucked insurance companies are...... how do u guys insure ur modded cars. do u declare all ur mods or waht cuz im for sure changing companies after this bullshit ass TD insurance
 
i drive an old mk2 so i only insure one way lol..

i dont tell them theres a 1.8t under the hood.

if i smash it it come out my pocket but i dont drive a 25k plus new car soo yaaa
 
romango3 said:
bro take it easy lol ill work it out i just wanted to prove how fucked insurance companies are...... how do u guys insure ur modded cars. do u declare all ur mods or waht cuz im for sure changing companies after this bullshit ass TD insurance
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I was gonna ask if you were with TD...

I get a group rate from where I work, and it's about $200 cheaper than anywhere else. I had called them a year before to ask for a quote, and if they would insure a modified car. When I told them that I might change the suspension, they said they wouldn't insure me at all.

2 years later, I got a different car and I ask them for a quote with the group insurance. They ask me "are you still planning to change the suspension on your car?"

WTF, this is 2 years later, and a different car I'm insuring. I just went to look for a different company. Not going to go through insurance with a company that's picky as fuck, and that I know will nit-pick at things if I get into an accident.
 
hide your car in the garage they will try to come take it from you till you pay them the bill, and i had no trouble with mine when i had a fender bender, and the claims guy saw i was modified and i didnt tell them shit all
 
reason why they do not want to pay is because TD insurance DO NOT COVER any car MODIFIED IN ANY WAY.

i'm pretty sure if you call them and ask for a quote and say you have coilovers they will answer: we do not insure modified cars sir.
 
but the estimator never said anything and so the car was reparied.... if he saw a problem with the car he should of called right away
 
ya they fucked up!! estimator came said ok go ahead fix the car they did and now they say no sorry!!

fuck you you said go ahead so i did..to late car is fixed pay them thank you..

x2 hide the car till this is all settled..REPO MAN STEALING FOR A LIVING!!!!!!
 
I think your best argument is that they told you to go ahead with the repairs and that you would be covered AFTER they had already looked at the car. There must be a legal term for a disgusting act like that but I can't think of it. Fight this to the death man...
 
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