Owned. - Subaru Enthusiasts Car Club of the Sierras

Kevin M · 2005-05-11, 01:58 PM

So, my sand damage claim was denied by my insurance company.

They said that because it was caused by salt on the road, it was "normal wear and tear." Assholes.

Nick Koan · 2005-05-11, 02:00 PM

e-surance?

Kevin M · 2005-05-11, 02:37 PM

e-takeyourmoneyandnotgiveyouanyclaimsance. Dot com.

I'm going to call them tomorrow and see what I can do.

Nick Koan · 2005-05-11, 02:39 PM

coulda told you that a lot time ago.

MattR · 2005-05-11, 02:41 PM

Allstate > *

I know that doesn't help any,,,but they rule.

bruspeed · 2005-05-11, 03:47 PM

Quote:

Originally Posted by BAN SUVS

They said that because it was caused by salt on the road, it was "normal wear and tear." Assholes.

That's really lame man, I'm kinda nervous now, I got the same kind of chity insurance, and my car is already peppered.

sti deede · 2005-05-11, 03:52 PM

I wish I could have stayed with allstate, but money talks.
340/month vs. 141/month. my insurance costs just dropped 20 bucks a month too.

Nick Koan · 2005-05-11, 04:06 PM

Quote:

Originally Posted by sti deede

I wish I could have stayed with allstate, but money talks.
340/month vs. 141/month. my insurance costs just dropped 20 bucks a month too.

Yeah, it sucks. The difference between esurance and Allstate is about $10 a month for me.

Kevin M · 2005-05-11, 04:24 PM

Starting in November I'll be with allstate too. I'm actually switching to American Family in between. I got slightly better coverage and WAY better service for about the same price.

sperry · 2005-05-11, 04:35 PM

I used to have American Family, they're a great company, I have no complaints about the year or so I used them. I only switched to AllState because the cost was the same, and Art's the man!

sperry · 2005-05-11, 04:37 PM

BTW: accumulated sand damage isn't a valid claim, it has to be from a single event like that sand truck that ruined my SVX, or the dust storm that creamed my WRX coming back from the AutoX school.

Kevin M · 2005-05-11, 06:12 PM

That's the thing I'm going to explain to them tomorrow- it was multiple 'seperate events.' Maybe 3-4 times going back and forth I actually had issues- one of which was with a sand truck that was plodding along 2 cars ahead of me. I told them that I didn't know about it until after the second or third time, which was the first time my car was clean enough to see the paint damage all winter, in late january or early february. During the recorded discussion I had with the adjuster, which serves as a sort of dictated record of my version of what happened, I was careful to point out both of these facts. It's my assertion, then and now, that any one of those trips caused enough damage to fall under a valid claim. I am supposing that they took my statement that I didn't know the exact date that any of it happened to mean it was gradual wear, which isn't the case.

ArthurS · 2005-05-12, 07:39 AM

Shitty deal man. Yea, when it comes to sand damage, you normally have to nail down a date of a incident. Hopefully when you talk to them today you will be able to work things out.

2005-05-11, 01:58 PM	#1
Kevin M EJ22T Join Date: Sep 2003 Location: Reno Posts: 9,445 Car: '93/'01 GF6, mostly red Class: 19 FP	Owned. So, my sand damage claim was denied by my insurance company. They said that because it was caused by salt on the road, it was "normal wear and tear." Assholes. __________________ FWD is the new AWD

2005-05-11, 02:00 PM	#2
Nick Koan JDM Cowboy Real Name: Nick Join Date: Oct 2003 Location: Somewhere Posts: 8,642 Car: 2015 Mazda 3	e-surance? __________________ While a standard engine is powered by a belt connected to the crankshaft, a turbo engine runs on its own exhaust steam, making it more energy efficient. -- CNN

2005-05-11, 02:37 PM	#3
Kevin M EJ22T Join Date: Sep 2003 Location: Reno Posts: 9,445 Car: '93/'01 GF6, mostly red Class: 19 FP	e-takeyourmoneyandnotgiveyouanyclaimsance. Dot com. I'm going to call them tomorrow and see what I can do. __________________ FWD is the new AWD

2005-05-11, 02:39 PM	#4
Nick Koan JDM Cowboy Real Name: Nick Join Date: Oct 2003 Location: Somewhere Posts: 8,642 Car: 2015 Mazda 3	coulda told you that a lot time ago. __________________ While a standard engine is powered by a belt connected to the crankshaft, a turbo engine runs on its own exhaust steam, making it more energy efficient. -- CNN

2005-05-11, 02:41 PM	#5
MattR El Matador Real Name: Matt Join Date: Dec 2002 Location: Reno, NV Posts: 10,660 Car: 2012 Toyota Tacoma Class: ?	Allstate > * I know that doesn't help any,,,but they rule. __________________ "Dallas..We have a problem.”

2005-05-11, 03:52 PM	#7
sti deede EJ205 Real Name: Deede Join Date: Jun 2004 Location: Sacramento, CA Posts: 1,789 Car: '96 4runner Class: none.	I wish I could have stayed with allstate, but money talks. 340/month vs. 141/month. my insurance costs just dropped 20 bucks a month too.

2005-05-11, 04:24 PM	#9
Kevin M EJ22T Join Date: Sep 2003 Location: Reno Posts: 9,445 Car: '93/'01 GF6, mostly red Class: 19 FP	Starting in November I'll be with allstate too. I'm actually switching to American Family in between. I got slightly better coverage and WAY better service for about the same price. __________________ FWD is the new AWD

2005-05-11, 04:35 PM	#10
sperry The Doink Real Name: Scott Join Date: Nov 2002 Location: Portland, OR Posts: 20,335 Car: '09 OBXT, '02 WRX, '96 Miata Class: PDX/TT-6 The way out is through	I used to have American Family, they're a great company, I have no complaints about the year or so I used them. I only switched to AllState because the cost was the same, and Art's the man! __________________ Is you is, or is you ain't, my con-stit-u-ints?

2005-05-11, 04:37 PM	#11
sperry The Doink Real Name: Scott Join Date: Nov 2002 Location: Portland, OR Posts: 20,335 Car: '09 OBXT, '02 WRX, '96 Miata Class: PDX/TT-6 The way out is through	BTW: accumulated sand damage isn't a valid claim, it has to be from a single event like that sand truck that ruined my SVX, or the dust storm that creamed my WRX coming back from the AutoX school. __________________ Is you is, or is you ain't, my con-stit-u-ints?

2005-05-11, 06:12 PM	#12
Kevin M EJ22T Join Date: Sep 2003 Location: Reno Posts: 9,445 Car: '93/'01 GF6, mostly red Class: 19 FP	That's the thing I'm going to explain to them tomorrow- it was multiple 'seperate events.' Maybe 3-4 times going back and forth I actually had issues- one of which was with a sand truck that was plodding along 2 cars ahead of me. I told them that I didn't know about it until after the second or third time, which was the first time my car was clean enough to see the paint damage all winter, in late january or early february. During the recorded discussion I had with the adjuster, which serves as a sort of dictated record of my version of what happened, I was careful to point out both of these facts. It's my assertion, then and now, that any one of those trips caused enough damage to fall under a valid claim. I am supposing that they took my statement that I didn't know the exact date that any of it happened to mean it was gradual wear, which isn't the case. __________________ FWD is the new AWD

2005-05-12, 07:39 AM	#13
ArthurS EJ207 Join Date: Dec 2002 Location: Reno, NV Posts: 3,707 Car: 2011 Chevy Battle Wagon	Shitty deal man. Yea, when it comes to sand damage, you normally have to nail down a date of a incident. Hopefully when you talk to them today you will be able to work things out. __________________ Captain Murphy: I dub thee Sir Phobos, Knight of Mars, beater of ass. Be a hitter, babe.

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