4 weeks ago I was trailering the track bike home and I was in a pretty bad accident caused by an uninsured/underinsured party. Sorry in advance for the long ass post!
As I was passing through an intersection on a green light at about 35 mph, a woman in an SUV turned left in front of me and we hit head on. Following the impact I brushed against a new Vette waiting on a green light at the cross street. My car is a total loss. The SUV was not driveable. The Vette will need paint and perhaps a new front bumper. The track bike is going to need straightening, some plastics, some paint, some love and maybe forks to boot.
The driver of the SUV was ticketed for failure to yield. The vehicle was not hers. The owner of that SUV is insured by United Auto Insurance (UAI) and slow would be a compliment relative to how they process claims. How they prepare estimates is even worse. Also, the insured has a $15,000 per occurance limit on property damage just to complicate matters a little more.
UAI did not want to pay for storage or towing fees on my car. They wanted to fix my car which was deemed a total loss by 2 body shops and my insurance company (State Farm). They have mysteriously been unable to get ahold of the vehicle owner to determine if the driver had permission. They have been unable to get ahold of the driver to get her story. A claim will not be settled unless they are able to do so. I'm furious to say the least!
I've done everything I can to expedite the process. I've contacted both insurance companies, met field inspectors for photos & estimates, paid for a copy of the complete police report, and I've been following up daily with UAI.
I'm getting the insurance corporate runaround big time and am starting to look at plan B. I was able to get State Farm to pay on my car. They payed full retail value per the NADA guide plus tax, title & transfer fees, less my deductable. They paid in only 2 days after I got them envolved. They are going to subrogate against the other insurance company and the individual to recover their $$ and perhaps my deductable. I would say that State Farm has stepped up to the plate big time.
The bike was not insured though. It is not registered or street legal. State Farm cannot pay on the bike. I'm at the mercy of UAI and the parties who are liable.
4&6 has the bike and is fixing it fast. Rhiannon has been awesome at hooking me up with detailed estimates and getting me good prices on what I need. They have been outstanding!
I will likely be left holding the bag on the bike though. Even if UAI pays on the bike, it would be at about half of the estimated repairs because of the $15k limits on the UAI policy. Total claims will be in the $30k range.
Anybody feel like refering a really aggressive attorney to help me squeeze some cash out of UAI, the driver, or the vehicle owner? I think I'm going to need one.