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Hartford Financial Services
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Posts on My 3 Cents
Wow...I read the posts from consumers addressing your company, so sad to see that your company is worse than I thought.
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Anonymous on 2001-06-27:
Hartford is a heartless company.
Anonymous on 2001-07-06:
This company does not even deserve a "ONE" STAR rating.
Anonymous on 2001-09-20:
This company is Not Dependable.
Anonymous on 2001-09-28:
Wal-Mart employees are wasting their money on this insurance.
imperial357 on 2011-04-05:
Whenever you have an accident with your vehicle, there are several indispensable do’s and don’ts that are important for you to remember. Close adherence to the following will make your dealings with insurance companies easier and in some cases, faster.
•Do make certain to get in touch with your insurance agent as quickly as possible after your injury or accident takes place.
•Do make sure you understand the type of insurance coverage you have so that you are able to determine exactly what claims you need to file after your accident or injury.
•Do attempt to get photos of the damaged vehicles and any of the injuries suffered by you as well as the other driver. Witnesses can be an important part of your insurance claim, so try to get their names and numbers on paper for future reference.•Do write down the name, number, and insurance details of the person in the other vehicle. •Do take notes when speaking to or dealing with anyone who is involved in the processing of your insurance claim.•Do keep all bills and receipts for medical expenses due to the accident as well as any repair work done on your vehicle.Don’ts
•Don’t acknowledge any fault on your part, but calmly relate just the facts to law enforcement and insurance agents.
•Don’t give a written statement to either your insurance or that of the other party involved unless you are thoroughly understand both your own policy and the claim you are filing.
•Don’t allow too much time to pass before filing an insurance claim. Most companies have a specific time frame after the accident or injury takes place during which you must file.
•Don’t take the amount of an insurance settlement as fact without doing some research on your own. Insurance companies will usually make their loss estimate an amount that is less than what you really lost.
•Don’t accept a check from the insurance company unless you are satisfied that the amount offered is enough to fully compensate you for your losses.
•Don’t automatically sign any documents that appear to be a type of waiver or release unless you are sure you understand what you are signing.
ok4now on 2011-04-05:
Imperial: A well written informative post. Allow me to elaborate on your "don't accept a check from the insurance company." One trick they use is to send the claims adjuster to your home to estimate the damage. The adjuster will then cut you a check on what THEY estimate the damage to be. They're trying to cut their losses before the vehicle is even seen at the body shop. Once at the body shop the cost of repair is always higher to do a proper repair job. The insurance company wants to use after market parts that are cheap and do not fit right. To do a proper repair OEM parts are needed. It's far better to have the vehicle at the body shop and have the claims adjuster see it there. The body shop can explain & argue what the true cost of repair is.
Starlord on 2011-04-05:
I once had a 1953 Chevy POS that got hit by an Army truck while the driver was opening a candy bar and driving with his elbows. He crossed two lanes of traffic before his bumper gouged my right rear quarter panel. On the advice of a friend, I called Fort Benjamin Harrison and reported the accident, as well as the Indianapolis PD. The PD decided to let the Army handle it. Within two hours, an OD sedan pulled up in front of my house, and a soldier with the rank of lieutenant got out and examined the car. He wrote on the clipboard he was carrying and showed me a chaek for $1,000 with the payee left blank. I had supplied him with the numbers that I could get off the truck and a rough description of the driver. He asked if the amount was acceptable. He said with the war in Viet Nam, the Army did not want to inflame citizens with being 'chintzy.' I accepted the check, we shook hands, and he left. I never heard another word about the incident. BTW, the check was as good as gold.
ok4now on 2011-04-05:
Starlord: In 1953 did a new Chevy even cost $1,000? You made out like a fat rat on that deal. Good post.
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