Multiple auto claim question

[00tec]

I got hit sitting at the stop sign at the base of the exit coming off of southbound 225 to northbound Parker road. I was nearly at a stop, had just started pulling off to merge with traffic. (previously came to stop, had just let off brake) Back end of car smashed, driver's quarter looks a little bowed.

Then, I get hit sitting stopped at a yield sign at the roundabout on the I76 frontage road. I was waiting my turn, and dude in the roundabout slid straight into my driver's door. Both doors fucked, window broken, pushed the car off the road and tagged passenger quarter on sign pole.

2 different insurance companies. Neither matches my insurance company (USAA). I had an appointment with body shop and to pick up rental tomorrow morning.

I was sore from first accident, did not seek medical. I'm heading in on this one.

How does all this shit work? I don't like dealing with these things, and would like some insight into how all this goes down. Each impact individually will not likely total out the car, but together they may.

[fitz19d]

These accidents on the same trip? Same day?

[Irving]

Sorry to hear that, hope you're okay.
Ideally each company will pay for the damage for which their driver is liable. Like you said, additional damage may end up totaling the vehicle. Each company owes to put you back to pre-loss condition; it just so happens that "pre-loss" condition for the second company is a vehicle with preexisting damage. You may end up having a bit of additional stress to deal with if the two other companies don't make it easy for you. I'd at least talk to each company and let them answer that question for you before you get too worried about it though. You may end up calling Monky on this one.

[00tec]

These accidents on the same trip? Same day?

Rear ended Thursday, t-boned tonight. One on the way to work, one on the way home. Both other drivers got tickets.


Sorry to hear that, hope you're okay.
Ideally each company will pay for the damage for which their driver is liable. Like you said, additional damage may end up totaling the vehicle. Each company owes to put you back to pre-loss condition; it just so happens that "pre-loss" condition for the second company is a vehicle with preexisting damage. You may end up having a bit of additional stress to deal with if the two other companies don't make it easy for you. I'd at least talk to each company and let them answer that question for you before you get too worried about it though. You may end up calling Monky on this one.
The first company I have more confidence in (Geico), the other one is Fred Loya.

Both said each addresses it's own problem, but the people at Loya were being pretty pissy about it (and hung up on my wife).

[Irving]

I don't want to plant seeds of doubt for you, but Fred Loya sucks balls. I don't want to encourage you to file claims through USAA because you're going to have two separate claims and two deductibles, but you may end up doing just that, or at least on the second one.

[00tec]

So..... better call Saul? Haha

[Great-Kazoo]

So..... better call Saul? Haha

No, call a lawyer who will rattle fred's cage.

[Irving]

Before looking up attorneys, look up the Department of Insurance website and learn how to file a DOI complaint.

[Monky]

Well I hope you're not too banged up if loya is on the injury side of the accident. Best you're hoping for is min limits and they do NOT like to actually pay claims.

You're probably better off using geico for the first claim, filing a claim with yours for the 2nd and let them go after loya. You'll take a hit but it's less bs than dealing with loya

For the PD you're on your own basically. 99% of attorneys won't touch it. Due to no $$$ to be made from property


Sent by a free-range electronic weasel, with no sense of personal space.

[RCCrawler]

Call your insurance, let them deal with the others.

[00tec]

Alright, I'm REALLY FUCKING OVER THIS SHIT.
Geico handling hit #1, Fred fuckin Loya claiming that hit #2 was by a driver excluded on the policy. Called in my insurance to handle.
Went to get rental Tues morning, and the Geico rep was late opening the doorby nearly a half hour, making me late to work. Geico calls and leaves message yesterday that with both hits, car is likely done. They're going to work with USAA to figure it out. Great! Oh wait, gotta get a new car. Hit to credit in the middle of buying a house. SHIT. No choice, gotta do it.

Driving the rental to pick up my wife after work. Stopped at stop sign, start rolling to merge into traffic... BAM! Tagged again. Bent rear door on rental (little suv), exhaust rattles. Esurance this time. Fuck my life.

What the flying fuck? Can people no longer handle simple fucking tasks like taking a look around from time to time? I wear my seatbelt, use a headset if I get a call while driving, watch mirrors, look before merging, and obey the signs. Get fucked anyway. I must have REALLY pissed someone off in a past life.

[Irving]

Alright, I'm REALLY FUCKING OVER THIS SHIT.
Geico handling hit #1, Fred fuckin Loya claiming that hit #2 was by a driver excluded on the policy. Called in my insurance to handle.
Went to get rental Tues morning, and the Geico rep was late opening the doorby nearly a half hour, making me late to work. Geico calls and leaves message yesterday that with both hits, car is likely done. They're going to work with USAA to figure it out. Great! Oh wait, gotta get a new car. Hit to credit in the middle of buying a house. SHIT. No choice, gotta do it.

Driving the rental to pick up my wife after work. Stopped at stop sign, start rolling to merge into traffic... BAM! Tagged again. Bent rear door on rental (little suv), exhaust rattles. Esurance this time. Fuck my life.

What the flying fuck? Can people no longer handle simple fucking tasks like taking a look around from time to time? I wear my seatbelt, use a headset if I get a call while driving, watch mirrors, look before merging, and obey the signs. Get fucked anyway. I must have REALLY pissed someone off in a past life.

My bad experience with Fred Loya was an adjuster telling me that AFTER the accident, the owner of the vehicle called in and excluded the at fault driver. This of course is not legal. The stupid adjuster even left that on my work voice mail. I just sent my file straight to arbitration. You should request documentation proving that the driver was excluded. I'd also file a Department of Insurance complaint right now. If the driver WAS actually excluded, then you won't suffer any consequences for having filed the complaint, but it WILL force them to prove the driver was excluded.

[00tec]

My bad experience with Fred Loya was an adjuster telling me that AFTER the accident, the owner of the vehicle called in and excluded the at fault driver. This of course is not legal. The stupid adjuster even left that on my work voice mail. I just sent my file straight to arbitration. You should request documentation proving that the driver was excluded. I'd also file a Department of Insurance complaint right now. If the driver WAS actually excluded, then you won't suffer any consequences for having filed the complaint, but it WILL force them to prove the driver was excluded.

Do you have any links to help me with that? I have been trying to reach them to get the policy docs, but they don't answer calls.

[Irving]

Yeah, they also never answer their phone. I'm on my phone now, but just Google "colorado doi complaint," and it should come up.

[Irving]

https://www.colorado.gov/pacific/dora/ask-question-make-complaint-division-insurance

[00tec]

Much appreciated sir.

[00tec]

Well, at this point, Geico has handled their end (hit #1) and has a check waiting for me at the shop. I have to take their rental back and fork over $500 deductible (to enterprise) for the Esurance claim tomorrow. Esurance has accepted liability for hit #3, and should reimburse the $500 deductible to me sometime within the next century. Loya says their driver excluded, so I have to sue the little fucker for medical and my deductible with USAA on hit #2. They refuse to show me policy documents showing exclusion, so there is a DOI complaint out for it. Hit #2 totaled the car, so I have to find one soon.

Anyone got a line on a 2010+ AWD Taurus for sub $15k?

AND does anyone know how I find out who the registered owner of dudes car is? I wanna sue them too.

[Irving]

USAA can find, or at least try to find that info for you. USAA will be subrogating Fred Loya for the damage caused to your car, regardless of what Fred Loya says, so they should be trying to get that same information.
If Esurance has accepted liability for accident number three, then refunding the deductible shouldn't take very long. In fact, USAA may just advance the refund to you, since they can stand to be without $500 for longer than you can. Just call your USAA adjuster and ask them to advance the deductible since Esurance has already accepted liability.

[Dave_L]

Fred Loya is terrible. Absolute nightmare to deal with. That is about all I can add to this.

[TheGrey]

Well, at this point, Geico has handled their end (hit #1) and has a check waiting for me at the shop. I have to take their rental back and fork over $500 deductible (to enterprise) for the Esurance claim tomorrow. Esurance has accepted liability for hit #3, and should reimburse the $500 deductible to me sometime within the next century. Loya says their driver excluded, so I have to sue the little fucker for medical and my deductible with USAA on hit #2. They refuse to show me policy documents showing exclusion, so there is a DOI complaint out for it. Hit #2 totaled the car, so I have to find one soon.

Anyone got a line on a 2010+ AWD Taurus for sub $15k?

AND does anyone know how I find out who the registered owner of dudes car is? I wanna sue them too.

Go to the DMV on Pierce street. Bring a little money. It'll take you about five minutes, but you'll have the answer you need.

[jerrymrc]

All I can say is WOW. I feel for you. If the one ins co is as big a POS as people say do keep an eye on YOUR record with the fault aspect. Not sure how it all works but I had someone run a yield sign and touched the mirror. So the guys company pays for my paint but when I switched company's 2 years later somehow it shows up on MY record as being at fault.[Rant1]

[00tec]

Thanks guys for all of your assistance. I got a call from DOI today, they are sending the complaint out and waiting for follow up.
Enterprise was cool enough not to charge me the deductible for hit #3, so I'm clear on that one.
Hit #1 and #2 are settled out (my insurance covered #2), car is free of all my personal shit and released. Paid off.

Got into the new ride tonight. Too many buttons in this thing. Going to take a while to figure out.

http://i131.photobucket.com/albums/p302/mchl_wood/20160210_182940_zpsrw1jmblw.jpg

[Irving]

If you Sync your phone to play over the speakers, just remember that when you have the volume turned up loud enough to actually hear who you're talking to, everyone within 50 feet of your car can also hear them. 100 feet if your door is open.