insurance douche bags

[Rick'sm3]

Hey just wanted to warn everyone that nation wide is on no ones side but they're own. I got in a car wreck about a month and a half ago, i still have no car. I took the car to BMW of fairfax, which is rated one of the best body shops in VA. They ofcourse did the BMW job and did an amazing restoring job. btw, in the accident i was t-boned by a jack asss that doesnt believe in stop signs, i was hit from the side going about 50, i was fine i just banged my head on the window, and the amazing frame of my m3 kept me safe, its a 97 that i am in love with. my entire door was wrecked, my quarter panel was wrecked, my side panel was wrecked, my rocker panel was even wrecked, my rim was dented my wheel had pieces of the other guys car in it, i could still drive the car amazingly, so i took it to bmw, they off the bat had issues with the claims adjusters proposals, he asked for a 7.5 inch wheel for my back tire, i have 8.5 stock, he wanted to cut the side of my car off and weld a basicall half a used chopped m3 on it, the body shop went nuts, the job was supposed to be done after 2 weeks, its been 6, they refused to give me a rental after the first ten days, they then charged me for the rental, they thne refused to change parts to more reliable parts not ones made in fucking taiwan. So now my car is completly finished, BMW put a brand new rim on my back right side, but the insurance company is making me pay for that becasue they didnt use a used rim, i went balistick, BMW sponsored me in writing a letter to the better buisness bureau and i have spoken tot he president of nation wide and expressed my disgust, worst customer service and worst service i have ever seen, thank god for bmw and standing up for me, other wise my car would not be mine any more but consist of several other vehicles, also nation wide wanted me to pay for 40% of the tire becaus eth wear on my old tire was 40% gone, rediculous, i am going to pay the $300 for everything just because i miss my car and i am tired of fighting and im ndone driving a fucking chevy cobalt which they took away about 3 weeks ago anyways, bastards,BMW also said they have had problems with nation wide since they opened, word to the wise, pray to god you dont ever get in an accident and if you do pray its not nation wide

[downsbs]

Thanks for the heads up, sorry to hear about your troubles. I was hit head on by a woman who obviously owns the entire road, it was her fault obviously. She had Geico, that was the biggest pain in the ass ever, they did their best to not give me any money. It took months of me calling, arguing, and so on just to get what they OWED me!!!!

Cliff's Notes: Insurance companies suck teh penor.

[Ole703]

My mom was rearended last year while she was a stop light. Only messed up her bumper. Shes called me when it happened and I told her to call the police and file an accident report. My mom being the trustworthy one did not call the police. The guy gave her a false drive liscence number. My mom at least wrote down the plate number. After much trouble we discovered that the guy had no drivers liscence and no insurance. He had also did not transfer the title of the car when he bought it. So we ended up paying for repairs out of pocket. I told her to always call the police, especially in accidents. If you hit a dear, call the police and file a report. It is worth the extra half hour. It will save you a ton of problems. If my mom would have called the police the police officer would have arrested the man who rearended her and he would have paid to fix her car.

[downsbs]

My wife did that same crap last month, exchanged info. Fuck that, I want documentation. The girl that hit her didn't want to get the insurance company involved, so she says she will pay for it out of pocket. I had to take over this mess, I met with the girl, gave her a copy of the estimate, and she asks if she can make payments. I said yeah, how much a month? 200.00, Haven't seen a dime yet, she won't return calls now, if I don't hear from her by the time I get back from vacation I am going straight to the insurance company to file, fuck her. I mean, peace.

[abradic]

Yeah, Nationwide seems to like to play some. I can't say I had a horrible experience, but I wrecked my 99 Maxima into a light pole in Feb. They offered me $7300 for it, and I went nuts. A 99 Maxima SE Limited with lthr, bose, mnrf...all options except it was a 5 speed. It took some calling and arguing over a few days before they settled for $9800 + 7% tax, so I kept $10,177 after deductible. They claim they don't use blue book, edmunds, prices on autotrader, or cars.com. They have their "own" research company. Funny thing, the research company would find cars with more miles, less equipment which obviously was less to dilute the average. Even when they found cars more expensive like $11-12K, they made up some reason for deductions. After 10 years with them, I am ready to switch to progressive for my M3. Imagine what kind of value to would try to pull on me if the unthinkable happened to the M. Progressive offered me the same rate, and I hear they are good.

[One 328is]

That sucks, after what extra you have to pay to drive an M3 to get ripped like that. I use Shelter. Have to admit not really happy with them eather, thinking about going to state farm.

[big_sur]

nationwide is on my side, we've actually had really good luck with them. they've fixed my parents cars twice and i hit a deer. no problems whatsoever. i think it all depends on your agent though and how much crap you and your family insure with them. i actually passed my agent going about 110 on the bike and he asked me about it later, didn't tell me to slow down, didn't jack up my rate, didn't cancel my policy, nothing, just acknowledged that he was aware of me passing him at 110 on double yellow lines on a motorcycle he is insuring. cool guy

[Ole703]

I have had good experiences with my insurance agent. I am 19 years old and have had 6 cars in the past two years. I have also had 3 cars insured for the past year. I get great rates considering I have one speding ticket in my JEEP. WTF I get a speeding ticke in my jeep over my BMW. Figures just my luck. I also pay $1900 a year for my POS VOLKSWAGEN. YES VOLKSWAGENS SUCK. I DID SAY THAT ANYONE WHO BEGS TO DIFFER IS AN JUST WRONG AND THEY CAN ARGUE THAT WITH ME. BMW for LIFE.

[White318i]

Got hit by a car carrier end of last year, his fault! Tore the front end off my 318.
Got his details and went right to my insurance. AAMI towed my car to the shop and got started right away on her.
Got the bars coded to white while in on that repair and only had to pay for the rear and the sills as the front had to be painted back to grey anyway.
Got her back good as new in 1 week.

Turns out the truck was insured with AAMI as well which made things a little interesting. I have full comp so the car gets fixed right away and the details are sorted later... couple of months on AAMI call to get me to clarify my details of the accident and get a written statment and a signed diagram of how I say it happened. Seems that even when it's within the same company they fight it out for who's at fault even when it's blaringly obvious that the truck driver was an idiot.

All said and done, my car is like new, I hate car carriers, $620 a year fro full comp is nothing whit service like AAMI

[Rick'sm3]

well i thank god i called the cops, the whole side of my car was dented in a foot, the other guy looked at me and was like, so you wanna call the cops or you wanna sort it out, and i was like uhhhh cops ya think, the cop gave him a ticket so i luced out because i am positive they would have argued, nation wide was great in the begining, they called me a ton of times to try and get me a rental then they fucked me over, i have all state on my m3 i should have got them invoved, i am buddies with a lot of the guys at the body shop especially the manager, and he showed me a case with an 06' 530i that was in an accident, al state was the insurer, all state came in same day and gave a check for $28,000 to get the car repared, i was amazed, now thats good car insurance

[Rick'sm3]

Originally Posted by abradic

After 10 years with them, I am ready to switch to progressive for my M3. Imagine what kind of value to would try to pull on me if the unthinkable happened to the M. Progressive offered me the same rate, and I hear they are good.

a buddy of mine had progressive and they were assholes to him, i guess its different everywhere though, i recomen all state they are really good, i should have gotten them involved in my accident they would have ripped nation wide a new one. Also the guys at the body shop gave me all these forms to fill out to send to nation wide so i can get money for them, apperently theres this dimished value form where the insurance company has to pay you the difference of how much your car was worth before the accident and how much it was worth after, which averages in the high hundreds or couple thousands, i cant wait to send that baby in and really piss them off, im jus upset because i am the second owner of the car and it has never been in an accident and i loved that about it the originality of it, but oh well