Insurance Headache After Being T-Boned—Desperate for Guidance
I’m reaching out for advice because I feel completely overwhelmed by the situation I’m in. Back in October, I was involved in a T-bone accident caused by a driver who wasn’t paying attention. Unfortunately, it took his insurance two months to admit liability, despite the police report clearly stating he was at fault.
During the waiting period for repairs, my truck began to experience several mechanical issues, including:
– A/C malfunction
– Inaccurate fuel gauge (constantly indicating empty even when the tank is full)
– Multiple stalling incidents, with the check engine light and red lightning bolt flashing
– Unpredictable acceleration problems
Collision Center and Insurance Troubles
By December, the insurance company finally sent an estimator who focused solely on the visible damage, quoting repairs at $5,000, even after I explained the mechanical issues. The collision center quickly informed me that this estimate was far too low. In the end, the total repair bill amounted to around $15,000.
They kept my truck for a month and a half. I was called three separate times to pick it up, only to discover that unresolved issues remained, necessitating further repairs. To make matters worse, they refused to address the A/C issue, claiming that the insurance didn’t believe it was accident-related, despite my proof that it worked fine before the collision.
One representative from the collision center even misled me about checking the A/C. Initially, he claimed it was fixed, but later contradicted himself, insisting he didn’t recall me mentioning it. He then stated they only checked the A/C sensor, whatever that may be. I later learned that he was dishonest about running a diagnostic scan—his statements to me and to the insurance were inconsistent.
When I approached the regional manager, he told me that without written documentation, my verbal communications held no value. I felt utterly powerless.
Serious Safety Concerns and Ongoing Delays
Feeling exhausted from battling this issue, I reluctantly took my truck back without a functioning A/C, especially since I’m pregnant and had been battling the flu.
Then, while driving to an OB appointment, my truck stalled on a mountain.
– I was stranded for three hours at 10 PM because AAA couldn’t locate me, even with GPS coordinates.
– With my OB three hours away from my home, this situation was especially stressful.
The next morning, I contacted the insurance adjuster, only to be informed that I needed another diagnostic from a dealership to verify that the stalling issue was linked to the accident before they would cover any repairs. The issue?
– The dealership can’t even schedule me in until next week.
– The insurance won’t approve a rental car until they receive that diagnostic report.
– I’ve already paid for a rental out-of-pocket just to attend my OB appointments and work, and I can’t afford another week of this wait.
Feeling Stuck—What Should I Do?
I’m feeling completely trapped and overwhelmed. It seems like I’m being punished for being in an accident, and all I want is for my truck to be repaired correctly.
If anyone has suggestions on how I can escalate this issue, fight back, or push the insurance to take responsibility, I’d greatly appreciate your help. I’m at my breaking point.
I’m really sorry to hear about what you’re going through—this sounds incredibly frustrating and stressful, especially with your pregnancy and the additional health challenges you’ve faced. Here are some steps you might consider taking to advocate for yourself and work toward a resolution:
Document Everything: Keep a detailed record of all communications with the insurance company, collision center, and any other parties involved (dates, times, names, and what was discussed). This documentation can be invaluable if you need to escalate the situation or dispute any claims.
Request a Third-Party Inspection: If the dealership is slow to respond, consider seeking an independent mechanic to conduct a diagnostic on your truck. Obtain a written report detailing the issues and linking them to the accident. Present this report to your insurance company; it may strengthen your case.
File a Complaint with Insurance: If the adjuster isn’t responsive or you believe they’re not fulfilling their obligations, consider filing a formal complaint with the insurance company. Be sure to mention the liability acceptance delay and your ongoing safety issues.
Contact a Supervisor: Ask to speak with a supervisor or a claims manager at the insurance company. Clear communication of the urgency of your situation and the impact it’s having on your health could expedite resolution.
Consider Involving State Regulatory Agencies: Many states have a Department of Insurance or a similar regulatory body. If you feel that your insurance company isn’t complying with regulations, you might file a complaint with them. They can sometimes help mediate disputes between consumers and insurance companies.
Reach Out to Your Collision Center: Speak with a manager at the collision center to discuss your frustrations. Sometimes, escalating the conversation within their organization can yield better follow-up on repairs and diagnostics.
Use Social Media: If you’re comfortable, consider sharing your experience on social media. Companies often respond more quickly when faced with public attention. While this should be a last resort, it can be effective in some situations.
Seek Legal Advice: If things don’t improve, you might want to consult a lawyer who specializes in insurance claims or personal injury. They can advise you on your rights and may be able to negotiate with the insurance company on your behalf.
Consider Mediation: Some conflicts can be resolved through mediation, where a neutral third party works with you and the insurance company to reach an agreement.
Remember to take care of yourself during this process, as it sounds incredibly taxing. Don’t hesitate to lean on friends and family for support, whether that’s helping with transportation or just lending an ear. I hope you find a resolution soon!