Review 3 of 63|
Auto Claims Management - Specifically an auto theft that occurred on 2/14/2011 and is still continuing and it's now 5/10/2011 with no end in sight.
As stated, it really has been almost 3 months since my car was stolen off a street in Kansas City, MO and I'm no closer to getting settling the claim than I was 3 months ago.
The adjuster is nothing more than a warm body to answer the phone, take some basic information so he can funnel it in the right direction and to set up a car rental. Other than that they are as useless as boobs on a bull and couldn't tell me one thing about the status of my claim. Instead, because I wouldn't sign a release of my rights and every bit of information about my life, he referred my claim to an investigator after taking a recorded statement of the occurrence.
The investigator is the person who tries to get the information you wouldn't give up to the adjuster and to, above all, accuse you of being a criminal all while taking a recorded statement of the occurrence. He will also accuse you of acting "suspiciously" when you ask questions about the purpose of the information requested and then the game begins. He'll set you up with an attorney.
The attorney's job is to further delay the claim because he's the only person in a 1,000 mile radius that can take a sworn statement. Two in advance of the meeting you'll received a letter which outlines a list of documents and paperwork that was nearly identical to the original list but has added items such as copies of every loan you ever had, all bank records, every utility bill, tax records, and oddly enough gym memberships, among others. I was stunned and an attorney friend of mine advised I get hire an attorney.
Instead I went in with a little bit of information and gave yet another account of the incident, answered questions I would normally not and when I left I was no more clear on the standing of my claim than I was on 2/15/2011. I was advised I'd receive transcripts of my sworn statement to review and sign and that's been nearly 14 days. When I asked about it I was told if it's not there in 2 days let me know. Nothing like motivation ... to jerk my chain.
Since this has occured I have incurred additional interest on the stolen car loan, had to buy another car because I ran out of rental benefits, paid nearly $1,500 in taxes on a car purchase I wouldn't otherwise had to if this claim was settled in a timely manner, had to put down $2,500 on a USED car (stolen car was a 2010, new car is a 2005) because I would have over $50,000 in car loans and had to pay a higher rate for the new loan. Add in the negative effect on my credit plus incredible aggravation and it totals 3 days in the hospital and missing one month of work because of the stress.
Because of this I can say that there are a plethora of other insurance companies in the USA that I can get insurance through and I will. In the meantime I can confidently recommend avoiding AAA Insurance of MO like the plague and if you know anyone who has them please direct them to this page.
We need to renovate the insurance laws in MO in order for this to change. They are beneficial to the insurance companies and the state will support them over you in a minute. I called and was told I didn't have a real complaint and I was to acquiesce to their requests. It appears the insurance company owns Missouri. What about your state?
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No claims to comment about.