Confused Adult
|
Dealing with shady insurance adjusters
Ok so....
4 months ago, someone backed into the door of my parked Hyundai Tiburon.
They came up to my door and told me about it, gave me their insurance info, and I opened a claim through their insuance company since it was their fault.
Adjustor comes, gives me a quote, take it down to the body shop, they say it'll be more, adjustor approves the increase.
I get my car back, my keyless entry no longer works (activates alarm, does not actually lock the car or unlock the car)
The light in the door does not work when you open it
and the cover for the seatbelt bolt was sitting in the back seat.
the electric motor for the window was a little bit rougher than it used to be.
I went in before I even drove off the lot and told them all of this, and they said to bring it back monday. (picked it up friday before they closed)
I go back down there, they insist that they put everything in right, that it's an aftermarket entry system (despite the Hyundai logo on the entry dongle)
and I'm saying it's a moot point, insurance is there to restore my car to the state it was in before the accident, and it worked before the accident.
Basically after a lot of backpedaling and responsibility avoidance, they talked to the insurance adjuster and he said that he'd need proof to authorize more funds to get it fixed.
so the guys at the body shop have me go to one of their contacts at aspen sound, because they specialize in stereos/alarms/entry systems and the like.
I take it down and they say "Yeah" it looks like it's accident related, due to the lock/unlock arm, being jammed into the control mechanism from the collision, and shorting out the "brain" of the entry system.
I tell the adjuster this, they both call him and tell him this, and then he just says "well I can't take their word for it" and then explains to me this process hoop he wants me to bend over backwards and jump through hoops for.
Basically he wants me to sign a "tear down authorization" in which (sounds like legal gambling, check this out) he has me drop of the car so HIS TECHS can check it out, determine if it's accident related, and then, if they say it is related, he will authorize more, but, heres the catch, IF NOT, I HAVE TO PAY THEM FOR THE SHOP FEES.
basically it's a double or nothing scam.
If they decide it's not related, I'm stuck with both shop fees and the cost of the entry system + re installation.
Thats a pretty big gamble I'd say. So I pretty much give up on it for a bit, and tell him I'm going to be incredibly busy, that I cannot afford that kind of a gamble, and that I will have to hold off on that.
fastforward to 4 months later, I'm driving along, I roll down the window just a hair because the tint makes it a bit difficult to see traffic at dusk, when not everyone has thier headlights on yet. *THUNK* the window drops entirely inside the door.
next day, i'm breathing fire at the body shop, i've had enough trouble and comprimise getting my god damned door fixed, and again, they want to jump through the insurance guy to deal with me. So the shop people call him and leave a message to get ahold of them, and in turn they'd get ahold of me, but no one has gotten back in touch with me and it's been 2 days.
now, I also have full coverage through my own insurance with a 500$ deductable, but I don't want them to really get involved in this since it involves money out of my pocket for something that was entirely not my fault (the car was parked for gods sake)
but I don't know what to do, I feel like I'm being jerked around, I have a door that has an inoperable window, no keyless entry system, a dead door light and just overall seems to be the biggest piece of crap door in existance.
what do I do?
|