WINSTON SALEM, CALIFORNIA -- Horrible! I got into an accident with a driver insured by them on 6/8/2013
today is 7/21/13 and I'm still driving around my damaged car because they take so long to take care of things.
There was a injury adjuster and a vehicle damage adjuster and both of them are almost impossible to get a hold of. Never answers their office phone and you have to call their direct line at least 3 or 4 times to have them actually pick up.
For vehicle damage, integon GMAC (national general insurance is their new name) took almost 2 weeks just to clear liability when the driver insured by them hit me because she was making an illegal u-turn over a double yellow line... Let me make it clear that she made an illegal!!!!!!! U-turn. WTF? She's automatically at fault for causing a collision due to her stupid driving skills.
I don't understand how they could even consider thinking that I could have some fault in it when I was just driving in a straight line in my lane... Adjuster told me some crap about how it's all about prevention and my distance from the u-turning car can affect whether I hit her on purpose or not...
Thank god I had a witness but it took them 2 weeks to contact the witness and clear liability.
Now rental car coverage, first they informed me that if the damage costs on my car exceeded her insurance plan they could not cover me with a rental car. WTF?!
But thank god it didn't.
They make false promises saying they'll get me a rental by a certain date which I told them I need a rental before my 4th of July long distance vacation drive. I told them this about 3 times on different days. Of course they didn't get it to me and I argued over the phone for that. It is now July 21st and I won't get the rental until the 24th.
Now for the injury claim... I know that by law, you need to have bodily coverage with your own insurance in order to claim injury with the insurance company at fault.
So I faxed them my AAA insurance declarations page that has policy number, bodily coverage policy, my name, and expiration date.
But the injury adjuster at GMAC said that was not enough because people can cancel their policy after receiving the declarations page, and that she needed to see a proof of insurance.
I called triple a and they told me that my declarations page is my proof of insurance and the proof of insurance card only has vehicle information.
I called the GMAC adjuster back and told her what triple a told me. Then she said "okay, then the declarations page is fine."
WTF!!!!!!!!! First she says she won't accept it, and now it's fine?!
She then offers me some lowball amount for compensation and I type a demand letter asking for more.
She gives me a new higher offer but one that is still lower than my demand and she says this is the "final offer." -___- B**ch if I file a small claim then you and your driver has to come to court and then you'd have more at loss than what I'm asking... Final offer my a$$!
She's lucky I don't have the time on my hands to go and file a small claims.
So we decide to settle at their second offer, but let's see how long it takes for the check to be mailed even though she said she'll mail it this week.