Date:         Mon, 10 Nov 2008 14:42:00 -0800
Reply-To:     David Kao <dtkao0205@YAHOO.COM>
Sender:       Vanagon Mailing List <vanagon@gerry.vanagon.com>
From:         David Kao <dtkao0205@YAHOO.COM>
Subject:      Re: BLACKBREARD - the debacle ESCALATES
Comments: To: pbrattan@gmail.com
In-Reply-To:  <699b6e3f0811101410o7f2bfdffpe9cd971e49c253cc@mail.gmail.com>
Content-Type: text/plain; charset=us-ascii

I am insured with Geico. Last time I filed a claim I never needed
to fight for anything. In fact It's always them calling me and told
me what they were going to do. At the end they sent me a check that
I was more than happy to accept. It was my son driving my Passat.
But it was not his fault and it was just a dent and a scratch.
We never needed to disclose the fact he is an attorney. The insurance
company did what they should in my opinion. We were treated very
nicely. I received 8 maybe 10 calls throughout and I never feel
need to call them to dispute with anything. The repair turned out to
be not cheap as the adjuster said. We are paid fairly.

The other party (at fault) tried to fight I believe. But we did not
even need to do anything other than showing the Passat to the adjusters
to both sides. They both agreed that the other party was 100% at fault.

David


--- On Mon, 11/10/08, PB <pbrattan@gmail.com> wrote:

> From: PB <pbrattan@gmail.com>
> Subject: Re: BLACKBREARD - the debacle ESCALATES
> To: "David Kao" <dtkao0205@yahoo.com>
> Cc: vanagon@gerry.vanagon.com
> Date: Monday, November 10, 2008, 2:10 PM
> I am fortunate enough to have never experienced unfair
> insurance practices.
> Before I submit a claim, I always ask, "what would
> happen if..."  I then ask
> what determines whether or not the premium will be raised.
> Then I ask if MY
> premium would be raised IF______?"  I have always
> gotten straight answers,
> and whatever I was told has happened.
>
> My current insurance company has told me that I am outright
> allowed a $1,000
> payout per year without getting my premiums dinged.  I have
> not needed to
> take advantage of that, however.
> Patti
> *************************
>
> On Mon, Nov 10, 2008 at 1:48 PM, David Kao
> <dtkao0205@yahoo.com> wrote:
>
> > The insurance company may raise the premium for
> Matt's insurance
> > and get all the money back they pay out for his claim.
> This is the
> > game they play.
> >
> > If they do not treat Matt right by paying what he
> deserves why stay
> > insured with them and let them get all their money
> plus more back?
> > A good insurance company will not only treat Matt
> right to pay
> > out enough to make Matt happy. They may even keep the
> premium unchanged
> > instead of punishing Matt. There is a huge difference
> between a good
> > and a bad insurance company. It's always a good
> idea to quickly drop
> > off from a bad one and switch to another, hopefully a
> better one.
> > This helps to drive the bad one out of everyone's
> way.
> >
> > Yes, I agree if they treat Matt right and if he is
> happy then stay
> > insured with them. Obviously it seems that's not
> the case now.
> >
> > David
> >
> >
> > --- On Mon, 11/10/08, greg@pottsfamily.ca
> <greg@pottsfamily.ca> wrote:
> >
> > > From: greg@pottsfamily.ca
> <greg@pottsfamily.ca>
> > > Subject: Re: BLACKBREARD - the debacle ESCALATES
> > > To: "David Kao"
> <dtkao0205@YAHOO.COM>
> > > Cc: vanagon@gerry.vanagon.com
> > > Date: Monday, November 10, 2008, 12:53 PM
> > > Hi David,
> > >
> > > I dunno if that's good advice... I have heard
> about a
> > > LOT of people
> > > who couldn't get a fair deal at all. If/When
> Matt does
> > > get what he
> > > deserves, he should consider rewarding them with
> his future
> > > business.
> > >
> > > 1. It's the devil you know....
> > >
> > > 2. You now have your name on a file in the
> insurance
> > > company records
> > > that tells the company you know how to play  the
> game. If
> > > you have
> > > problems in the future, they will already know
> what to
> > > expect and
> > > *may* be less likely to waste your time. If you
> go
> > > elsewhere, you will
> > > wind up playing the whole game all over again
> from scratch.
> > >
> > > Now, if Matt doesn't get a fair settlement,
> then he
> > > absolutely should
> > > look elsewhere ASAP. But if he's not abused
> too badly
> > > it may be worth
> > > sticking it out, as there are less and less
> companies
> > > willing to
> > > insure older vehicles, at least that's the
> case in my
> > > marketplace. YMMV.
> > >
> > > Happy trails,
> > >
> > > Greg
> > >
> > >
> > > Quoting David Kao <dtkao0205@YAHOO.COM>:
> > >
> > > > Of course, after getting what you deserve
> from them
> > > you immediately
> > > > say good bye to them and look for another
> insurance
> > > company.
> > > >
> > > > David
> > > >
> >