B&C 180 Class
Join Date: Sep 2010
Location: North-Central Missouri
Well the trucks in the shop getting fixed. Total damage was around $10,500 so we weren't near the 80% mark to make it totaled. I love my truck and I'm glad to have it back, but I want it fixed right. Plus, this guy's insurance is jerking us around by taking their time and dragging their feet. Everytime I talk to them they are wanting my wife and I do do something for them and I refuse. My biggest fear is that I will get the truck back and 10,000 miles later I have something major go wrong with it. The other thing I am going to be getting out of them is deminished value. Since the truck has now been "wrecked" it is no longer worth as much as it should be, or ever will be.
If any of you are thinking about buying insurance or currently have Farmer's Insurance (that's the name of the insurance co) I would HIGHLY discourage you from getting/keeping it. They are HORRIBLE to work with and they will screw you around big time. Me being the victim here, had to call THEM first. Yeah. They had all my contact information from this kid's dad (who is actually responsible) already. Waited and waited and waited, no phone call. The icing on the cake was that I got a phone call from some kid at Farmer's last Thursday morning (4 days after the wreck) at 7am in the morning (yes, this was my ONE day that week to sleep in) telling me that after looking at the case and going over my "side of the story" he had came to the conclusion that I am not liable for any of the damages. I had to contain myself. I just about lost it. I simply hung up on him.
I'll keep you all posted. I'm not happy about the situation and neither is my wife. In fact, she's frustrated to her extent. When the first adjuster from Farmer's came out to look at the truck, he was about as arrogant as could be. I kept my cool until we started talking about a rental vehicle for me to have while my truck is being fixed. He said, and I quote "Oh we'll fix you up with a real nice 4 door sedan car". My response: "Umm, NO, this drunk kid that you all insure smashed my 4 door quad cab pickup truck, therefore, I want a quad cab pickup for a rental and NOTHING ELSE". What did I get in return, a smile and slight laugh saying "yeah ok". My wife had to do the "hand on the shoulder" thing..... Talk about frustrating as can be. We have spent HOURS on the phone, hours cleaning up the yard mess, hours talking with our insurance group, and hours with adjusters which will be time lost on our part, i just know. SO the moral of the story? Go get drunk and have the smallest policy possible and crash into someone's truck and you will get away scot-free.
P.S. When I called Farmers for the first time (that monday after the wreck happened) I was describing the whole situation to him about what happened. When I told him about the part of the kid backing up and making ruts in my yard and how he was trying to flee the scene, the guy said, (AND THIS IS NO LIE) "That's understandable."