Thursday 24th of May 2018 09:53:37 AM
I was hit by someone insured by USAA at a 3 way stop in a parking lot. Luckily, was going very slow, she turned left and was in my lane, coming at me head on! It was surreal as I think she may have been looking down at her phone, I was able to swerve but of course the left front end of my car was badly damaged. She stayed in her car, panicking, while I stayed in mine and called law enforcement. Her car was clearly smack dab in my lane, liability was immediately given to her. The state trooper wrote the crash report and told me that it was her fault and to call her insurance company, USAA. I called them immediately the next morning and was told to email the crash report, which I did immediately and asked about a rental since I'm in sales I needed transportation. He said they'd need that to set up the rental. This was Friday morning at 9 am, didn't hear back of course. Sunday late afternoon, I had to rent a car out of my pocket. Called Monday, no return call. Tuesday then I received an email that simply said the adjusters name and claim #. Called Wednesday, and finally another adjuster called me back, and said why didn't I report the claim to my insurance company? I told him I had, but they said, "It's not your fault they need to do the estimate," and additionally, the state trooper had told me to call her insurance company. His reply was that they both gave me bad information and that there was a problem as the insured only had 10000.00 in coverage and I had a BMW so it wouldn't cover the claim! I said, "You haven't looked at the car yet! It's at BMW in Sarasota. Go look at it." Quite honestly, I'm not a mechanic, but I would estimate the damage at maybe 6000.00. He wouldn't pay for the rental, then he said they might be able to. Then he put me on hold and said he called Sarasota BMW and they didn't have my car, and I might want to call law enforcement. Next day I went to the dealer, my car was clearly right there, it's a smaller dealership so not difficult to find. Next day I called USAA asked for a supervisor and they said they would take care of it. He said liability wasn't confirmed until March 1, and they wouldn't pay for the first 3 days I had the car. I'm in sales and I spent way too much of my precious time on phone calls with these ** that I just said, "Fine." He asked me to call BMW in Sarasota and let them know to leave the keys in the car, it was getting towed to the Tampa BMW dealer. Meanwhile, I'm getting a call on the other line from Enterprise. I didn't answer as I was waiting for this clown to wrap up our call. Enterprise was blowing up my phone so as soon as I hung up with ** USAA adjuster, my phone was ringing with Enterprise and I was able to answer. The gentleman told me he got USAA's call and that they said they wouldn't pay the first 3 days, and that it didn't sound right. I said, "Whatever, I'm sick of dealing with them, I'll pay the first 3." The next morning, I get a message from another **, female this time, saying in a voicemail that's my car is not in Sarasota and they couldn't find it! I have no idea what's going on, as it's Friday evening, just got home and everything is closed. I did have a message from my insurance company saying they USAA called them and said their insured doesn't have enough coverage and that they would take over the claim. ** rip off artists should be against the law. I'm calling the state insurance commissioner to report this. Jerks!