AAA Complaint - Communication is nil with AAA Auto Insurance & Accurate Auto Insurance
JOLIET, ILLINOIS -- On January 22, 2008 at approximately 6:30 AM I was involved in an auto accident. The woman who hit me was insured with Accurate Auto. As of today, June 1, 2008 the claim has not been settled though AAA did give me a check for my totaled 2001 Tracker. I found out recently that AAA sold my Tracker at an auction for $2,000. It is my understanding that AAA will be reimbursed for the almost $7,000 they paid me by Accurate Auto. I am still receiving medical bills which I have repeatedly faxed to AAA. AAA told me they would pay the medical bills until this claim is settled. There is no communication at all with AAA or Accurate Auto. I have done all the calls (except for 2 from each company) in the last 4.5 months since the accident. Accurate Auto claims they can not settle until they receive all paperwork from AAA. AAA lays the blame on Accurate. It seems funny to me because everything I faxed to one insurance company I faxed to the other.
My husband answered a phone survey about AAA. After he rated most everything a 1 or 2 (1 being the worst and 10 being the best) he received a call from someone at AAA who was very concerned about the results from the survey. That was over 2 weeks ago. We still haven't heard anything from either insurance company.
Since this is the first accident I have been in as a driver I am curious to know how long must a person wait until they are reimbursed for out-of-pocket expenses? I had one day medical costs. I am out over $1,000 for a rental car. I was told I would get our $500 deductible reimbursed. I lost 2 days of wages (1 for the accident and 1 to go to court because the insured driver who hit me didn't believe she should be responsible because the roads were icy & slushy - she blamed the plow companies for not clearing the streets - she was also ticketed for driving too fast for road conditions - she hit me while she was in the process of spinning out of control - I had changed lanes hoping I would avoid her. She totaled the whole driver's side of my Tracker).
I had a cracked right #10 rib due to the accident. Seat belts are wonderful. Seat belts do save lives. Seat belts can also break your rib if you are hit in such a way that it causes you to go into a spin!
I have no complaints about the officers who arrived on the scene (Romeoville officers). My hat off to the paramedics who transported me to the hospital (Lockport Township). Those officers & paramedics braved ugly weather & road conditions to assist me.
AAA expects prompt payments for the insurance coverage yet is very slow in providing services such as their policy to pay out until claims are settled. It seems it is always someone's fault why things aren't done. It seems they are unable to pick up a phone to contact their policy holder. It seems they take no responsibility other than to cash the check from the policy holder.
We also carry home owner's insurance with AAA. It's a good thing we didn't lose our home we would still be camping out in tents in our yard.
I am not at all happy with Accurate Insurance company either. The driver has called me twice since the court date but left a number that must be a prepaid cell phone because after each call I tried calling her and got the message that the user was not accepting calls at this time.
I was told repeatedly by both insurance companies that the claim will be settled "shortly". Shortly is a relative term. In pregnancy shortly means within 9 months. In car accidents who knows how long shortly means!?!