Insurance Agent has Claims Nightmare
I am an Insurance Agent for many years. I had my automobile and home insured with Travelers and being in the industry, my coverage was quite adequate. Approx. a year ago I was involved in a 4 car chain collision, I was in the middle car between two very large SUVs’. My car was totaled and I was taken by ambulance to the ER of the local hospital. I was diagnosed with a sprained lumbar and whiplash.. Given medication. I needed PT and to this date I am still in pain and discomfort, which is quite upsetting to me at times. From the beginning, the claim was handled horrifically. Since I am knowledgeable with coverage, more than the average layman being in the business, the first thing was I knew I was paying additional premium for Rental coverage ... since Travelers has an " agreement " with Enterprise Auto, I was first given an Economy Car to use. I inquired to them and was told this is the type car they are told by Travelers to give their clients for rental, I knew I was paying in premium for at least a Mid size car for rental and had to " insist on it with the first adjuster'' they finally did agree and I had the remaining time with my midsize car for use. So basically, our clients that we sell the policies to are paying extra for the better rental and if involved in an accident they are not given the proper car type unless the insured insist ...this was just the beginning... Most importantly, my PIP was totally mishandled... I was in PT, seeing my doctor for chronic back pain and on medication... and almost three times a week, this PIP adjuster would call me on my cell and question me regarding my condition... which is very unprofessional... to the point of being a nuisance. In the midst of my treatment and unbeknown to me, she decides to “close “the pip file since she claims ... I was feeling better... When my doctor, specialist and MRI and x-ray bills had been sent to Travelers, they were not going to pay, since the file had been " closed" ... I had $100,000 on medical and full tort coverage... and at this point all Travelers had paid was about $3,000 in med bills. ... After, phone calls to supervisors, management, faxes, letter, most of the bills are finally getting paid ... but Travelers refuses to allow me to continue to go to PT since they feel my injury should be healed by now...I wish they were right, but unfortunately, I am still suffering with pain and are taking meds to help me go through my day. This whole experience was and has been a nightmare for me... I just feel that they were doing all they could knowing I had excellent coverage and wanted to cut it off as soon as possible.
AS far as anything I agreed with on the handling of the claim was only how quick they settled and paying me for my car.... which was less than two weeks from the date of the accident. But in doing so, I was told I had to return the rental within 24 hrs... how could I ...I did not have a car to drive and since I was injured, was unable to go out and buy one.... once again, I called and explained I had rental for 30 days.... and needed this time to go out and purchase a car.. They did agree with this and gave me I believe a week more... but once again the average Joe would not have known this... I was very very disappointed with this whole handling of this claim... and would not recommend this company based on my experience with them.