Actuarial Outpost
 
Go Back   Actuarial Outpost > Actuarial Discussion Forum > Property - Casualty / General Insurance
FlashChat Actuarial Discussion Preliminary Exams CAS/SOA Exams Cyberchat Around the World Suggestions

DW Simpson Global Actuarial & Analytcs Recruitment
Download our 2017 Actuarial Salary Survey
now with state-by-state salary information!


Reply
 
Thread Tools Search this Thread Display Modes
  #1  
Old 04-11-2018, 01:52 PM
Doctor Who's Avatar
Doctor Who Doctor Who is offline
Member
 
Join Date: Nov 2009
Posts: 22,943
Default Rear Ended by Safeco Driver

Long story short, I was rear-ended making a right turn in a dedicated right turn lane. I have already gotten an estimate of the damage, but the Safeco Resolution Representative two time zones away and is telling me that he cannot authorize repairs until he has confirmed liability with the guy that hit me.

He says he has made multiple attempts to contact the insured, but he insured is not returning his calls. I made sure to get a police report when it happened.

Anyone have any experience in this type of situation? I'm assuming that Safeco cannot keep on dragging their feet.

I'm open to PM if that's more appropriate.

TIA
Reply With Quote
  #2  
Old 04-11-2018, 01:56 PM
Vorian Atreides's Avatar
Vorian Atreides Vorian Atreides is offline
Wiki/Note Contributor
CAS
 
Join Date: Apr 2005
Location: As far as 3 cups of sugar will take you
Studying for ACAS
College: Hard Knocks
Favorite beer: Most German dark lagers
Posts: 62,718
Default

Do you have Collision coverage?

If not, get a rental until those repairs are "authorized" and add that to the cost of what the SafeCo driver owes you.
__________________
I find your lack of faith disturbing

Why should I worry about dying? Itís not going to happen in my lifetime!


Freedom of speech is not a license to discourtesy

#BLACKMATTERLIVES
Reply With Quote
  #3  
Old 04-11-2018, 01:56 PM
ALivelySedative's Avatar
ALivelySedative ALivelySedative is offline
Member
CAS
 
Join Date: Dec 2013
Location: Land of the Pine
College: UNC-Chapel Hill Alum
Favorite beer: Red Oak
Posts: 2,510
Default

Was rear-ended a few years ago by a State Farm insured that shoved me into the vehicle in front of me. The insured verified liability same day, but they told me they wouldn't act for up to a week trying to verify the situation from the perspective of the guy I was shoved into. After that passed, they jumped on it.

Alternatively, file under your own insurance and let them deal with subrogating against Safeco.
Reply With Quote
  #4  
Old 04-11-2018, 01:57 PM
Vorian Atreides's Avatar
Vorian Atreides Vorian Atreides is offline
Wiki/Note Contributor
CAS
 
Join Date: Apr 2005
Location: As far as 3 cups of sugar will take you
Studying for ACAS
College: Hard Knocks
Favorite beer: Most German dark lagers
Posts: 62,718
Default

Also, if you don't have Collision coverage, get a lawyer to handle your claim as well. Add that cost to what the SafeCo driver owes.
__________________
I find your lack of faith disturbing

Why should I worry about dying? Itís not going to happen in my lifetime!


Freedom of speech is not a license to discourtesy

#BLACKMATTERLIVES
Reply With Quote
  #5  
Old 04-11-2018, 01:58 PM
Doctor Who's Avatar
Doctor Who Doctor Who is offline
Member
 
Join Date: Nov 2009
Posts: 22,943
Default

Quote:
Originally Posted by Vorian Atreides View Post
Do you have Collision coverage?

If not, get a rental until those repairs are "authorized" and add that to the cost of what the SafeCo driver owes you.
Yes.
Reply With Quote
  #6  
Old 04-11-2018, 02:05 PM
tommie frazier tommie frazier is offline
Member
 
Join Date: Aug 2003
Favorite beer: The kind with 2 e's
Posts: 22,828
Default

companies only wish to pay what they are liable for. while getting rear ended is usually a good sign that the car that hit you is responsible, the extent to which they are isn't something the Safeco rep just assumes is 100%. determining this can take more time than you have imagined. Can they "keep dragging their feet"? You are asking them to accept your version of things without being able to contact their insured - so it may not be Safeco dragging but the other driver.

your options include filing a claim with your company so you can get the repairs done quickly. you will have to pay a deductible under this scenario if you have one. then, if the other driver is found at fault...your company can subrogate the claim from Safeco including the deductible amount.

It is also possible the other driver...isn't really insured by Safeco or anyone.

I could be wrong, but in general I don't think I would expect this to settle in your pretty fast time frame. that doesn't mean it is bad faith. it also doesn't mean it can't get to a bad faith delay. But you do have options on your own.
__________________
Removed a dated athletic reference under pressure from a friend. You can still give money to help fund research on neurofibromatosis (nf).

General info at www.ctf.org

Team donation page here.
Reply With Quote
  #7  
Old 04-11-2018, 02:05 PM
Vorian Atreides's Avatar
Vorian Atreides Vorian Atreides is offline
Wiki/Note Contributor
CAS
 
Join Date: Apr 2005
Location: As far as 3 cups of sugar will take you
Studying for ACAS
College: Hard Knocks
Favorite beer: Most German dark lagers
Posts: 62,718
Default

If you have Collision coverage, I would work through them and let your insurance company work through the subrogation of the claim.

That will get you back on the road.

And I would include the cost of any rental vehicle you need to replace the one that is damaged.
__________________
I find your lack of faith disturbing

Why should I worry about dying? Itís not going to happen in my lifetime!


Freedom of speech is not a license to discourtesy

#BLACKMATTERLIVES
Reply With Quote
  #8  
Old 04-11-2018, 02:08 PM
Vorian Atreides's Avatar
Vorian Atreides Vorian Atreides is offline
Wiki/Note Contributor
CAS
 
Join Date: Apr 2005
Location: As far as 3 cups of sugar will take you
Studying for ACAS
College: Hard Knocks
Favorite beer: Most German dark lagers
Posts: 62,718
Default

I agree with what tommie said as well.

Working through your collision coverage would require the deductible to come out of your pocket (if you need the car fixed sooner than later); but any subrogation money is to first repay your deductible before the insurance company can retain those payments.
__________________
I find your lack of faith disturbing

Why should I worry about dying? Itís not going to happen in my lifetime!


Freedom of speech is not a license to discourtesy

#BLACKMATTERLIVES
Reply With Quote
  #9  
Old 04-11-2018, 02:20 PM
DyalDragon's Avatar
DyalDragon DyalDragon is offline
Member
SOA
 
Join Date: Apr 2009
Location: Here
Studying for the hell of it...
College: AASU
Favorite beer: This one...
Posts: 31,418
Default

Quote:
Originally Posted by ALivelySedative View Post

Alternatively, file under your own insurance and let them deal with subrogating against Safeco.


I've been in this situation before (er, well Mrs DD was technically)

File with your own insurance and let them go after the other guys for payment. A lot less hassle, and you will get your deductible back at the end (if they even make you pay it in the first place)
__________________
PRELIMS VEE FAP FAP FAP FAP FAP FAP FAP FAP

Quote:
Originally Posted by Androzani Major View Post
Maybe a better statement is that I enjoyed having experienced it both ways?
Reply With Quote
  #10  
Old 04-11-2018, 02:22 PM
Doctor Who's Avatar
Doctor Who Doctor Who is offline
Member
 
Join Date: Nov 2009
Posts: 22,943
Default

Thanks for the responses. I figured it was a slam dunk that the other driver was at fault, since I was rear-ended in a dedicated right turn lane. The guy admitted it was his fault at the scene.
Reply With Quote
Reply

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off


All times are GMT -4. The time now is 06:54 PM.


Powered by vBulletin®
Copyright ©2000 - 2018, Jelsoft Enterprises Ltd.
*PLEASE NOTE: Posts are not checked for accuracy, and do not
represent the views of the Actuarial Outpost or its sponsors.
Page generated in 0.28085 seconds with 9 queries