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Regarding an auto claim
Posted by Chris1040 on 01/17/2012
ALABAMA -- Am writing you concerning a auto claim . On October 20, 2011 in Atascadero, CA my 2006 FORD TAURUS was struck by a young man who is insured with Infinity Insurance Company. My car was damaged in this accident due to the negligence of their insured who neglected to put his vehicle in park. My vehicle was parked at a gas pump and the insured unattended truck rolled backwards down a hill and smashed into the driver passenger door and quarter panel forcing the passenger rear end into the safety rail surrounding the gas pump causing damages over $10,000.

I have suffered emotionally and financially over this accident, as a result of this accident I have had to make out of pocket expenses for transportation to work as well as school and doctor visit for my daughter. I have had stress related medical issues dealing with this accident and I have had to miss pay from work trying to rectify this matter by following the adjuster advice visiting auto shops to repair this vehicle. Three different auto shops turn me down claiming repairs was too great and would be too costly. For six weeks their adjuster gave me the run around and made this situation more stressful than needed I personally feel that I have been victimized by this company and my needs have been ignored. After speaking too a local body shop he also contact the adjuster and informed him that the car was a total loss but the adjuster insist that this vehicle was repairable and than he proceed once again to ignore what needed to be done and prolonging this claim for a additional 2 weeks costing me more money and stress.

After speaking with INFINITY TOTAL LOHSS SPECIALIST, I was informed that there was a limit issue with this policy and my total loss could not be covered once again I felt VICTIMIZED. The adjuster knew there was a limit issue with this policy weeks before I was informed misleading me to believe that I would be reimbursed for transportation expenses. He knew that this policy would not cover the total cost to fix or replace my vehicle but to lead me on a wild goose chase was an intentional perversion of truth. I FEEL THIS WAS A FRAUDULENT ACT TO FORCE ME TO TAKE AN UNJUST SETTLEMENT. I DO NOT UNDERSTAND WHY THIS COMPANY WILL NOT COVER MY TOTAL LOST.

This company chose to insured an unlicensed driver as a driver who did not have the documentation to prove he knew how to properly operate a vehicle and to insured a vehicle in which HE WAS NOT THE REGISTER OWNER and he had know insurable interest in this vehicle because his name is not on the title or the registration. "Infinity Auto's mission statement is to provide Premier Auto insurance coverage protection for those with a prove record of accident-free driving" This particular individual has never had a Driver License issued to him in the United States or Mexico.

I have request that Infinity settle this claim by certified letter to the President Of Claims as well as the CEO and in return I received a letter from the Total Loss Specialist that was rude and threatening in the attempt to force me to take the settlement. I received a Total Loss Package that included a Local Market Comparable Value Report and there was a monetary difference in their settlement amount compared to the findings of this report. I have tried to negotiate a suitable offer closer to MARKET VALUE which would included damages and financial lost but they refuse to negotiate insisting that I just take the lost. . It has been reported that Infinity Property and Casualty Corporation as of the latest year have had $1.1 billion in revenue. The company has a solid financial base, minimal credit risk, and the ability to meet future claims. I am a single mother living like most Americans from check to check and to expect me to assume such a loss will be a burden to me and my family. I AM ASKING FOR A FAIR AND JUST SETTLEMENT THAT WOULD MAKE ME WHOLE AS I WAS ON THAT PARTICULAR MORNING. I AM ASKING THAT THIS COMPANY ASSUME THE FINANCIAL RESPONSIBILITY FOR THIS ACCIDENT TOO SUGGEST THAT I ASSUME THIS LOST WOULD BE AN ACT OF BAD FAITH IN THE INTEREST OF THEIR INJURED. I BELIEVE ME AND MY FAMILY HAVE PAID ENOUGH EMOTIONAL, PHYSICALLY AND FINANCIALLY.

     
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Posted by macdave on 2012-01-18:
Did you talk to your insurance company? I know I have uninsured/underinsured coverage on my policy to help in situations like this. Another option may be to sue the other driver for the cost above what his policy covers.

David
Posted by CowboyFan on 2012-01-18:
If you chose not to have collision coverage, you are self-insured for damages to your vehicle. Chasing the other company is part of what you choose to do, by not purchasing collision coverage on your own vehicle. I assume you do not have it, because your insurance company would otherwise have repaired it, and done the chasing for repayment on your behalf.

Uninsured motorist coverage is provided in Alabama, per websites, unless the op opted out of it. Uninsured motorist coverage also provides "underinsured" motorist coverage. For instance, I have UM limits of $500,000.00. If someone with $10,000.00 of liability is at fault in an accident where I suffer personal injuries of $425,000.00, then I would recover $10,000.00 from the person at fault and $415,000.00 from my own insurance company through UM coverage.

The insurance company is correct: they only pay the policy limits, even if that does not cover the rest. The OP choose to assume the other costs incurred in the accident by not buying the right kind of insurance, or any insufficient amount. It is not Infinity Insurance's responsibility to make up for the OP not choosing sufficient coverage to protect himself.
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Car Thefy Investigation
Posted by Bankimble6 on 06/13/2011
I reported my car being stolen to Infinity and their only concern is fraud. At every request you I dispute is the threat of not processing my claim. They have treated me like a criminal trying to commit fraud. They request bank statements, credit reports, income information. and any of your personal information that has nothing to do with your claim. What was really troubling they never asked how much I invested in the car which was a $6000 dollar down payment. I have never been late on my payments.

Their staff is geared to try and not pay you for your claim. They want to try and find a reason not to pay by any discrepancy they can find. If their are more than one witness they try and find anything whether relevant or not so they can say you did not tell them the truth in order not to pay.

I suggest strongly not to use them for any insurance purposes. They will do their best not to pay a legitimate claim on a technicality
     
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Posted by clutzycook on 2011-06-13:
The goal of any insurance company is to try to weasel out of paying a claim. And if they fail in that, well, they'll just jack up your rate at renewal time.
Posted by Anonymous on 2011-06-13:
Great review. very helpful. Keep on their backs if they give you a hardtime about the claim. And if they decide to increase your premium, there's plenty of other insurance companies out there.
Posted by MDSasquatch on 2011-06-13:
Seems as if a police report should be a fairly good document to have in this situation.
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Do Not Get This Insurance. Worst Service And Everything Else!
Posted by Misterjon on 08/06/2009
I had my Mazda RX-8 parked in a parking lot. Then a Toyota Tundra ran over my front bumper tearing it apart. The driver was insured by Infinity Insurance. First mistake they did was when I specifically told them I had my vehicle towed to a body shop. Assuming they know, the next day the appraiser shows up at the location. So I called Infinity to ask them what happened and they had no explanation. They also asked why did I tow it.... well my bumper was hanging touching the floor... drivable? Don't think so. Afterwords, the appraser asked about the aftermarket piece on my vehicle that was damaged. I had told him that it was an RE-Amemiya lip and canard piece that cost around $1,200 and that I want the very same piece. So he googled it and found some prices around there I guess. Then [snip] appraised my car and told Infinity that the aftermarket piece was $459.95 and that I lied. So I called the company that he found that very same piece for that price and it was a totally different one! WTF? So I called Infinity and told them about the misunderstanding and they said he's right, the same piece used for $459.95. I had asked for the estimate and it was a totally different part! I then called Infinity and told them the situation and they "never" called me back as I was told. I'm always calling them and it's annoying because I remember the number and ext. Another thing is I request to speak to Angela Burke(the sup. That was handling my claim) and they said she's unavailable but anyone can speak to you because we work as a "team".

So I ended up speaking to more than 10 ppl trying to get a supplement of what they owed me which was about $720.25. In the beginning of August, I tried again as though I have been in touch with them ever since December, they told me they are not gonna pay for it. I questioned and did fax invoices but nothing. Wasted 8 months of my time and stressed out!
     
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Posted by Soaring Consumer on 2009-08-06:
In your situation it would be best to sue the at-fault driver directly in small claims court for the repair cost. You should not have to deal with this insurance runaround.
Posted by Anonymous on 2009-08-07:
The at-fault driver would just point out to the court that they are insured. Case will be dropped and you will be told that you sued the wrong party.
Posted by Soaring Consumer on 2009-08-25:
Even if the at-fault party is insured, if their insurance doesn't pay, suing them in small claims is the best course of action. Typically they would proceed regardless of their insurance status and a judgement would be made accordingly.
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Bad Services
Posted by Mateo on 11/10/2007
SAN BERNARDINO, CALIFORNIA -- I have been paying full coverage for two years. And I recently got sandwiched in between two cars. The back car sped off and it was a minor fender bender. The insurance wants me to pay $1,000 dollars and they'll pay the rest. If I've been paying full coverage why should I pay.

In that case I would have gotten partial coverage. They have bad service.

Truck Accident - Infinity Insurance Infinity Insurance - Accident - Full Coverage

     
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Posted by Anonymous on 2007-11-10:
Doesn't every auto insurance policy have a deductible? If you got 'sandwiched', it means that YOU hit someone else, as well as getting hit.
Posted by Skye on 2007-11-10:
They want you to pay that thousand, because its probably your deductable. What does your policy say?? They aren't just picking you out of the crowd, and saying, here pay up, its the deductable.
Posted by spiderman2 on 2007-11-10:
It would be considered a hit and run and when that happens to you, unfortunately, you have to pay your deductible. I went round and round with my agent on this, but alas, that is how it works.
Posted by Anonymous on 2007-11-10:
It also depends on your insurance agency and what they are willing to do for you. A few months ago, my car was hit in a parking lot and of course who ever did it didn't leave me any information. When I filed my claim my insurance co filed it as hit and run by an underinsured driver, which lowered my deductible to $200.
Posted by GothicSmurf on 2007-11-10:
Techincally you have two claims in this accident. One for the car you hit and one for the car who hit you. Hence paying $1,000 (I'm assuming your ded. is $500). There is a lot of information missing from this posts so I am only going on assumptions here.

You didn't say what caused the accident, but if the car behind you pushed you into another one, most likely they are looking for the car and will subrogate to get at least part of your ded. back.

Also, in your "FULL COVERAGE" there is a ded. on collision, no matter who is at fault that ded must be paid. Most of the time you pay the upfront costs and the insurance compay goes after the other party for reimbursement.
Posted by i hate zona rosa on 2008-06-02:
omg! I'll explain: $1000 is your deductible for collision coverage, you choose $1000... it was your choice, your could choose a very low deductible but it'll reflect on you premium. the lower the deductible the higher your premium.
fyi: there is no deductible for your liability coverage.
Posted by powerpuffg on 2008-08-13:
Postings like these are incredibly funny...

I would first like to say that there is no such thing as "Full Coverage" - which according to the tone of your blimp, means that the insurance company pays for everything right? Forget your own obligation and contractual agreement to mitigate damages or file a police report if and when necessary...Anyways, that's besides the point...most insurance companies will actually waive your deductible if you file a police report for a hit and run assuming there was direct contact between your own vehicle and that vehicle that fled. However, in other instances where you are able to write down the plates for the vehicle that fled you could possibly get your deductible waived if your insurance company can verify that that vehicle was in fact uninsured. This is assuming that you also purchased the uninsured motorist coverages offered to you. You can't say that they didn't offer it either because there is a particular page in the application which asks you to sign if you wish to void uninsured motorist coverage...ALL insurance companies have this page.

Additionally, just as everyone else has previously stated, a deductible is something that YOU agreed to. If you read your policy you'll see that the deductible is applicable regardless of fault.

Lastly, I would just like to say that you're an adult, you're paying hundreds, perhaps thousands of dollars per year for insurance and you don't even know what you purchased...I know that if I was spending that much money on something I would sure spend the time to know the "ins and outs" of my policy...

Posted by insurancedude101 on 2010-01-16:
Epic Fail. This is not a review about a company, its more an insurance 101 this F150 owner.This guy is hurting my head. How can you not know the basic insurance or at least know what your paying for. Cancel your policy and go with another company. BTW Infinity is a pretty big company and in my opinion has one of the better Customer service.
Posted by Anonymous on 2010-01-16:
*wonders if "insurancedude" realizes he is commenting on a 2-plus year old review*

*sigh* It takes so little to amuse me today.....
Posted by DebtorBasher on 2010-01-16:
I miss GothicSmurf...she's good people! I guess the whiners did her in!
Posted by Anonymous on 2010-01-16:
I don't think the Route 66 whiners did her in at all. She got a new job and just moved on. She was the coolest person on M3C's for a long time.
Posted by jktshff1 on 2010-01-16:
DB, Super +100 Gothic is good folk, just got too busy.
Posted by DebtorBasher on 2010-01-16:
Yeah...she got her new job and forgot us little people!
I wish her the bestest!
Posted by jktshff1 on 2010-01-16:
Called priorities.... doin what ya gotta do
Posted by DebtorBasher on 2010-01-16:
Yeah...I know.
She knows she has love here!
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