This Gekko may not be your friend...

[driver3]

Buisness Owner: (collision repair) To Progressive Man: Your insurance sux...your biz policy sux....I'll withhold judgement on you personally. Wayne

gee thanks!

there are probably a bunch of people that have been unhappy with your collision repair shop in the past, just bad experiences where they thought they deserved more than they got. It happens all the time.

[phx99blackvx]

Interesting thread

I am a claims adjuster for one of the aforementioned companies. Here is the scoop!

Your claim is handled as outlined in your policy, yes you all get a policy when you start with an insurance company, you know that big packet of paper you file or throw away without reading.

As for the types of parts used for repair, this will be addressed in your policy
Typically, 2 years or newer based on build date, OEM is used, 2 years or older, "quality replacement parts" is typically used.

State Farm(and this is not my company) uses OEM for all due to a big lawsuit some time back.

As for the claims process in general, You have to understand, it is like any other biz, you have good workers and you have bad workers, I have co-workers that I would let adjust my claim without thinking twice, and there are co-workers that I would freak out if I had a claim and they were handling it. Like anything else, it luck of the draw.

Insurance is a heavily regulated industry and attorney's feed off claims adjusters that make mistakes. That said, even the bad adjuster, work within the regulations to avoid having their name included in a Bad faith law suit. Keep in mind, just because a claim may go to suit, It is not very often a claim goes to suit for bad faith.

The name of the claim game is:

Know your policy and coverage before you need to use it
pay the little extra for the rental car coverage, its worth it.
Understand that your adjuster, believe it or not, is human just like you and is being overworked by a big corporation
That accidents happen, they suck, they are stressful, etc, listen to and work with your adjuster, and more times then not they will bend over backwards to help you.

[bigkoala1]

i have had 21st for a while now, but no claims/ tickets. anyone heard anything about them. good/bad?

[JoFotoz]

.

I'm doing the yearly "audit" of all our insurance needs right now,
and getting VERY good rate quotes from Mercury....??

We are with Farmers right now...they are certainly solid & reliable....

...but expensive!

Geico are cheap too...but some of the comments here about them worry me!

Anyone had dealings with Mercury??

Thanks

jo

[JHarris1385]

.

I'm doing the yearly "audit" of all our insurance needs right now,
and getting VERY good rate quotes from Mercury....??

We are with Farmers right now...they are certainly solid & reliable....

...but expensive!

Geico are cheap too...but some of the comments here about them worry me!

Anyone had dealings with Mercury??

Thanks

jo

I just got a job offer from Farmers.

[Chopper]

Farmers ain't bad...I'd stick. As far as the adjuster thing...yeah, there is a dff, but when we open something up, and an adjustment is needed...Some guys say "Take a picture, and send it"....some will hold the customer up for days...or weeks,trying to save 17 dollars. Our car is different....it's O.E.M. or nothing. Here is where it gets important....the better companies will do all they can to save your car...if you want, if it's close, they will kill it for you. Another issue is how these operations deal with people YOU hit....I know.....you don't care. If you drive a beater, get BEATER insurance...love your car?...spend the extra. This is from the guy that puts your car back together.