264 views
1 comment

Car Insurance dilemma. Do they really help or they make you feel HELPLESS VICTIM!

I was involved in a car accident on Oct 1 2014 Wednesday. It was a beautiful day until I had the accident then endless phone calls, nerve racking conversations with both my insurance and the other party`s insurance. It even caused multiple arguments between me and my husband. Here is my story;

I parked on Kippling st in Fremont and I dropped off my older one at her school. Came back to my car and safely left my parking spot by watching the traffic very slowly. I had a BMW in front of me that was making a U turn on this street. I completely stopped my car and watched him make his U turn in at least 3 moves. He went into the neighbor`s driveway stopped back up then stopped then turned his steering wheel to the left to complete his u turn stopped and moving forward as he completed his U turn. Since he was moving forward, I initiated my U turn. As I was going into the driveway of the same neighbor I looked at my left and he was backing up towards me. I was already in the driveway and I wasnโ€™t able to even move forward or back, I could nt move. I could see him coming towards me without even checking his back and he hit my driver side door. I heard a loud noise and I was shocked because the only thing I could thing of if my 3 year old in the back was okey? He got off his car and said โ€ Can t you see I am backing and I am trying to parkโ€ There is NO PARKING in the neighbor`s driway as he claimed. He didnโ€™t even say soory or ask if we were ok, he knew I had a child in the back seat. He started arguing with me about how he was right.

I called my insurance farmers and I was told that I need to go through other party`s insurance since we believe that the other party is at fault. So apparently the concern was that I was going to pay 500 dollars deductible if I go through my insurance. But my insurance was missing the whole point. I didnโ€™t care if I am going to ay the deductible or NOT. All I wanted was , I wanted to feel like I am being represented properly by my insurance now please tell me why would I go through the other party`s insurance when everybody knows that they will be representing their client.

So I called liberty mutual and initiated a claim. I was given a claim number and was told that somebody will contact with me in 2 days. Nobody has celled! So I called them back to follow up. I was told that they had NO RECORD of me calling on 10/1/2014. I was shocked and the person on the phone could NOT explain why they didnโ€™t have any record. He just saidโ€ The only reason I know there is a claim because it was attached to your phone numberโ€ I donโ€™t know what that meant. Anyway, I gave them my recorded statement and I was told that they will get their driver`s statement and will finalize. It took them 2 weeks to get their driver`s statement.

Eventually they presented their driver very well with their driver`s false statement and they came up with 505 at fault for their driver and 50% for me. Their adjuster was very rude to me on the phone and wanted to just tell me the facts , didnโ€™t have time to listen to my story. The adjuster initially told me that โ€œ I should have honkedโ€ or โ€œ I should have guess what their driver`s next move would beโ€ and I got a letter in the mail stating totally different reason that โ€œ I was going fast and following so close โ€œ

In the meantime , I started my claim at my insurance farmers since I LOST total confidence in liberty mutual and I wanted to be represented WELL by my insurance as well. I was given an adjuster and explained every detail to the adjuster and how frustrated I am . I made sure to tell my adjuster that all want it TO BE REPRESENTED well in my case. I forwarded all the accident pictures, numerous phone calls, and countless hrs to deal with this. But I felt like I am betrayed by my insurance because my adjuster knew the content of the letter and didnโ€™t bother to let me know. It was total shock to me.

Bottom line I feel like I am hopeless and helpless, there is no words to explain my helplessness to be honest. I am NOT paying thousands of dollars to my insurance company to make the other companies

Location: Fremont, California

Do You Have Something To Say ?
Write a review

Comments

chat-icon

Please avoid publishing any personal information and promotional content

You will be automatically registered on our site. Username and password will be sent to you via email.
Post Comment
Guest

I sugest that you take this to the Insurance Commission in your state. Liberty Mutual is responsible for 100% of the claim, and you should not have to pay $1.00!

How can they believe you were driving too fast and following too closely when he hit your door, not the front of your car.

He should have looked behind his car before he moved back. Period!

Farmers Insurance Group Reviews

  1. 62 reviews
  2. 13 reviews
  3. 8 reviews
  4. 2 reviews
  5. 2 reviews
Farmers Insurance Group reviews