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| Get my pies outta the oven!  |
Sometimes you have to play hardball with these people. They're oh so glad to take your money but don't want to pay out when it comes time to do this. I had an incident with State Farm about 12 years ago where they were trying to weasel out of something, my FIL told me to tell my agent that I would be getting the Pennsylvania Insurance Commission (the state govt agency that regulates them) involved and you should have seen his attitude change quick after that.  | |||
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| Thank you Very little  |
Actually GEICO in this instance isn't shirking responsibility, unless you are in a No-Fault state, the responsible parties carrier must handle the claim. North Carolina is a fault or tort-based state meaning you recover damages from the at-fault party. It's not a no-fault state where each party recovers from their carrier. So if you were to file against your policy then you'll likely be responsible for the deductible on your policy. Filing it with the other guys insurance means zero deductible out of your pocket. Motorcycle accidents are different than car/truck, the propensity for physical damage is higher, as well as damage that can total a motorcycle from total cost to a bent frame. I wouldn't try and do it myself, there are too many hurdles and too much to leave on the line with a mistake, especially on BI. | |||
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| Partial dichotomy |
I'm glad you're okay, creslin! Echoing others, I'd get checked out medically including x-rays and given the circumstances...especially with the response from your insurance company, I'd hire a very good lawyer to fight for me. Good luck! SIGforum: For all your needs! Imagine our influence if every gun owner in America was an NRA member! Click the box>>>  | |||
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| Page late and a dollar short |
HRK, Maybe so but IMO his assigned claims agent should have some responsibility to at least assist him. My No-Fault saga was just that. Crash happened on a Saturday, I filed the claim on Monday morning. I was responsible for the deductible but in Michigan we have Mini-Tort. The at fault driver or his insurer is responsible for damages to a vehicle without collision and or deductibles it to a certain limit. Catch is the at fault driver has to file a claim. By Friday of that week he still hadn’t contacted his insurance company for whatever reason, probably trying to knit let them know of being charged with OUI. Without him filing I couldn’t file for my deductible, five hundred dollars. While I knew who he was insured with via the state report it did not indicate a policy number, privacy act. Their claims department started playing games telling me I must contact the policyholder and get his number. Sure, his ass got jailed for at least 24 hours and he’s gonna cooperate? So I called my agent, different cmpany. Surprise, he knew an agent with that company. That agent called a claims manager he knew. The claims manager picked up a copy of the crash report from the MSP and paid the at fault driver a house call asking him when he was going to get around to filing a report that was due several days prior. I had my check the following week. If not for the involvement who knows how long I’d have waited to collect? -------------------------------------—————— ————————--Ignorance is a powerful tool if applied at the right time, even, usually, surpassing knowledge(E.J.Potter, A.K.A. The Michigan Madman) | |||
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| Member |
I did it without warning, agent filled the voicemail in 4 days, I never replied, just moved 2 homes, 3 cars, MC, boat, and snowmobile policies and saved $ too! “Let us dare to read, think, speak and write.” John Adams | |||
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| Thank you Very little |
Yes, You handled it right, since in MI it's no-fault your company pays it all and subrogates for any damages it can recover under law. Absolutely your agent should be right on top of it, however many companies have taken them out of the process. Anymore they send you to an APP, take your own pictures, send in a report and if needed they will send out an adjuster. A lot of times the adjuster is an independent person not a company employee is sent out. My Dad had a "hit n run" in a parking lot ie someone backed into his SUV and left, we called the agent and had to file it via online or app, worked pretty well, send in some pictures, write up the event and he got a check in the mail a week later, it was a sub $2K deal... Never saw a person, just phone and app contact. | |||
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| Page late and a dollar short |
HRK, About twenty years ago I stopped at a Sears store for a screwdriver on my way to a car show, I forgot to bring one as I used to display my ‘67 2+2 with Colorado year of manufacture license plates as it originally was from Pueblo. Came out to a crease in the right door and quarter panel. Called my insurer, Hagerty. They said “take it to your body shop of choice, have them upload it and photos of the damaged area and send it in.” Probably one hour start to finish. No haggling, no three estimates, just get it done. Several years back I had a homeowner’s claim. Power surge took out several appliances, smoked three GFCI’s and two USB charger outlets. Called my agent, she said if any problems call her back. Called in, filed a claim. Had a appliance tech out to fix the furnace circuit board and water heater control and an electrician to verify the breaker panel was undamaged. Replaced or repaired the damaged appliances. Never saw the adjuster, they did call once during the process to offer assistance if needed. Check received minus deductible a few days later. -------------------------------------—————— ————————--Ignorance is a powerful tool if applied at the right time, even, usually, surpassing knowledge(E.J.Potter, A.K.A. The Michigan Madman) | |||
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Member |
Glad you're mostly ok and I hope the bike gets put back right. I just hopped on a forum I haven't been on in a while and saw you there, nice ride. | |||
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| Member |
I would like to reiterate what others have been saying about the perp fleeing. He is a scumbag, and most likely this is just one in a string of problems he has caused. If he had not been followed home, he never would have been identified. Give him no slack. He needs to learn the hard way of fleeing the scene, hopefully before he injures someone else. Also he may have been drinking, as fleeing the scene is common with drunk drivers. -c1steve | |||
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| In the yahd, not too fah from the cah  |
Insert my "I used to do this for a living" disclaimer. I don't usually jump on the "hire a lawyer" bandwagon, as most things can be handled without one. However, given that this assclown fled the scene, who knows what he's telling his insurance company. The whole "I panicked" line, is an attempt by him to avoid jail time. Had he not been caught, I would have wagered money that he wouldn't have come forward. Since your primary insurance isn't taking the lead on this, you need someone to guide you through the process and get you the maximum amount that you're entitled to. | |||
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| Page late and a dollar short |
The guy that hit you is all repentant and boo hooing hoping that you and the cops will feel sorry for him and go easy. He’s sorry, sorry that he got caught. Yet if the roles had been reversed he’d want your first born as retribution. -------------------------------------—————— ————————--Ignorance is a powerful tool if applied at the right time, even, usually, surpassing knowledge(E.J.Potter, A.K.A. The Michigan Madman) | |||
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Member |
lol you're over there too? What do you ride? This is where my signature goes. | |||
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| Member |
After reading all the comments and recommendations on both this forum and another I've opted to get a lawyer. Thanks everyone for all the input. I'll likely resurrect this thread again once the dust clears from the whole thing and give an update. This is where my signature goes. | |||
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| Member |
I had a Springfield for a few years, awesome bike and downsized to a T120 Bonneville. Easier around town bike and a lot of fun. | |||
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