Friday 25th of May 2018 08:23:04 PM
My wife had been taking a class and driven a fairly curvy section of highway at the end of a mountain pass through the winter months in all kinds of bad conditions so was very familiar with the road. She had also taken an emergency driving course as part of her training and has a clean driving record. We'll call her WIFE. It had just finished raining hard and the roads were wet. She is driving her car with a passenger at a safe speed for the road condition and upcoming blind turn she's familiar with. A car careens by her in the passing lane. Let's call him DICK. WIFE enters blind turn to see that DICK lost control on the tighter right-hand turn, obviously crossed her lane, and when she saw him he was just exiting her lane on the right, sliding onto the shoulder then over-corrected and now was coming back across into her lane.WIFE hits brakes. Tires lock up. She pumps them to get traction again and does all she can to get stopped. DICK's car has already lost a lot of speed before she saw him but is still moving to the left across her lane and just into the passing lane. She couldn't go to the shoulder when she first saw him because he was there. She couldn't go into passing lane because a car was approaching there. And he was now sliding across her lane and made an absolutely unavoidable collision. Wife's passenger went up and talked to DICK. DICK admitted he lost control and was shaking scared. This is a highway, not a little, dinky back road...a US HIGHWAY. DICK contacts his insurance company, SAFE AUTO. DICK lies to them. DICK says his car stalled and he was rolling it off the road to the right shoulder and got rear-ended.WIFE is contacted by Safe Auto and they tell her she's liable for the accident because she hit him and tells her what DICK said. WIFE tells them what happened. They investigate. They contact her for all the info she has which was pictures of both vehicles, the marks on the roadway -- not hard, black marks but easily visible -- the skid marks on the shoulder, and her witness statement from her passenger who talked to DICK. That was considered "biased" because the passenger, a deputy sheriff, was in her car. The damage to DICK's car was left rear corner and broke the bumper clips and a little scratched bumper paint. Young DICK's car is remedied with duct tape. WIFE's car, smaller than DICK's, took the impact of the corner of his car about center of grill. Her bumper went under DICK's so she sustained damaged hood, grill, bumper cover, radiator support, etc...a lot of small front end stuff. HOWEVER, not a scratch to front fenders. SAFE AUTO send assessor out and he comes up with a TOTAL LOSS of the car. So...we're out a diesel TDI and 50 mpg. Thanks DICK.SAFE AUTO tells us that because they have conflicting stories they side with their person, DICK, and deny the payout on WIFE's car. I contact them to find out how it's possible with the pics of damage, the damage to DICK's car on the left rear, when he stated he was turned to the right pulling off the road when struck, and that he admitted to witness he lost control. They agree to investigate further.SAFE AUTO leaves voice mail stating upon further investigation and contact with DICK, he now admits to losing control of his car. They still deny the claim because there isn't evidence to support the claim (that's right, he now admits to losing control of his vehicle). I call back in and speak with **, the SA rep. He is a weasel. States that without a witness account the conflicting stories don't matter. So the deputy sheriff witness doesn't matter or his conversation with DICK, or his details on the incident. He also tells me that I'm annoyed because they won't side with WIFE. I tell him I'm annoyed because they're absolutely ignoring, for their own best interest, the damage pictures which obviously and easily prove WIFE's statement and don't line up with what DICK claimed. I also remind him DICK has changed his story now. He states about the damage again. I tell him to review the damage against what was told to him. He states that he and a supervisor have reviewed it. WIFE had to supply them with all kinds of pictures, written and recorded statement, and passenger statement who took initial info from DICK.SAFE AUTO DENIED CLAIM AFTER ADMITTING THEIR CUSTOMER LOST CONTROL OF HIS VEHICLE AND CHANGED HIS STORY (!!). THEN THEY DENY THAT HE WAS THE CAUSE OF THE ACCIDENT?!?! He lost control of his vehicle on a blind highway turn from excessive speed and created an unavoidable situation! He was still moving across lanes! Crossed wife's lane twice and they deny claim solely based on "conflicting statements." PACK OF THIEVES. It's actually really sad to see that they've ripped off so many of their good customers and withheld payment on claims they admitted in the wrong. HOPE you never have to deal with them on a claim or as an insurer. DICK's using duct tape. We're out a perfectly good car for absolutely no wrong on our behalf. VERY UNHAPPY.