Need help repairing accident damaged differential housing

[jhv48]

Originally Posted by YerDugliness

No...liability only. I drive the car SO little (I live 900 miles from where it is stored) and am so VERY careful when I drive it...that day it had been drizzling and I had put new MT/SR rear tires on it and headed for Austin, which is where my daughter lives. I passed a truck with a large box on it and ended up in what the police described as an unavoidable accident, Nobody was cited at the scene and I still have not been back to the town where the car is STILL stored in the garage of a home I own.
I will say this...when the car is drivable again (IF?), I will certainly insure it more fully and will NEVER AGAIN use State Farm for my auto insurance. I tried to get the SF claims agent to go after the party who turned right into the back fender of my replica (even though they had a left-turn signal on, to which there were witnesses) and they refused. They were more worried about State Farms' bottom line than the welfare and benefit of their customer. I told the agent "...thank you for your time and shame on you for not protecting your customers!" He was not amused, but at that point I did not care.

I figured it was an issue of replacement...so, now...are there any recommendations for a shop in the Houston area where I can have it towed so that the process can begin?

Dugly

You're bad mouthing State Farm insurance because you chose to save a few bucks and not to properly insure your car? Basically, you gambled and lost.
Since you didn't have collision coverage on your car at the time of the accident, then you opted out of being able to have your insurance company represent you in case of an accident. If the company does not experience a covered loss (read that a monetary payout) then they cannot represent you in your claim against the other party. They have to have a dog in the fight. No company would help you out of this situation. You chose not to have the proper coverage on your vehicle. You gambled and lost. Your only recourse is civil or small claims court.
Don't blame the insurance company for your screw up. Accept responsibility and move on.
And, yes, my wife is a State Farm Agent and she hears this complaint weekly. Clients want to save a few bucks by reducing their insurance and then blame either the agent or the company when their decisions come back and bite them in the butt.
And, don't worry, since you reported the accident to your agent, they might just cancel you anyway.

[YerDugliness]

Originally Posted by jhv48

You're bad mouthing State Farm insurance because you chose to save a few bucks and not to properly insure your car? Basically, you gambled and lost.

Thanks for the lecture on insurance, but it was neither necessary (I even wrote State Farm and told them I did not expect them to repair my car because it was my choice to not elect collision or comprehensive), nor was it productive (believe me, I have kicked my own ass all the way back to Kansas because of my "false economy"). To be fair to State Farm, they have willingly paid the towing fee to get the car back to my house and they have paid my medical bills for the 9 staples it took to get my scalp to heal well. Having said that, it remains my assertion that since no citations were issued State Farm failed miserably to represent me by chosing to roll over rather than fighting for me, their paying client. They could well have made the other decision, specifically to say that the action of the driver of the other car to turn right when she was displaying the intent to make a left hand turn was the proximate cause of the accident and therefore fight for the other company to cover all damages to my car and other associated costs. So what if the issue ended up in court...I pay their premiums and expect them to represent ME in court if necessary, which they failed miserably to do. I still say shame on them!
They prioritized their own bottom line over the interests of their customer and yes, I am considering legal action. The sad state of affairs is that you are probably right, they have already screwed me once and despite the fact that no citations were issued to cause them to determine I was at fault they will probably screw me again by cancelling me...who in their right mind would believe that company deserves their further patronage (except perhaps someone whose wife works for the "offending party")?
I must praise my agent for her willingness to press the case with State Farm and also for her assistance with handling the PIP and roadside assistance claims.

Dugly

[jhv48]

Originally Posted by YerDugliness

Thanks for the lecture on insurance, but it was neither necessary (I even wrote State Farm and told them I did not expect them to repair my car because it was my choice to not elect collision or comprehensive), nor was it productive (believe me, I have kicked my own ass all the way back to Kansas because of my "false economy"). To be fair to State Farm, they have willingly paid the towing fee to get the car back to my house and they have paid my medical bills for the 9 staples it took to get my scalp to heal well. Having said that, it remains my assertion that since no citations were issued State Farm failed miserably to represent me by chosing to roll over rather than fighting for me, their paying client. They could well have made the other decision, specifically to say that the action of the driver of the other car to turn right when she was displaying the intent to make a left hand turn was the proximate cause of the accident and therefore fight for the other company to cover all damages to my car and other associated costs. So what if the issue ended up in court...I pay their premiums and expect them to represent ME in court if necessary, which they failed miserably to do. I still say shame on them!
They prioritized their own bottom line over the interests of their customer and yes, I am considering legal action. The sad state of affairs is that you are probably right, they have already screwed me once and despite the fact that no citations were issued to cause them to determine I was at fault they will probably screw me again by cancelling me...who in their right mind would believe that company deserves their further patronage (except perhaps someone whose wife works for the "offending party")?
I must praise my agent for her willingness to press the case with State Farm and also for her assistance with handling the PIP and roadside assistance claims.

Dugly

You still don't get it. They didn't screw you, you screwed yourself. If you have no coverage (collision) they can't legally represent you as they have no loss. It doesn't matter whether the other car was at fault or not. YOU HAD NO COVERAGE! Has nothing to do with their bottom line. It's the law. If you had purchased collision coverage, then they would represent you in the claim. You didn't, SO THEY CANT!
Suck it up. Stop trying to blame others for your decision not to carry the proper insurance coverage. Like you said, State Farm paid where they should. You just feel that they should be responsible for your bad decisions.
Was it worth the money you saved on your insurance premiums?
Hope this is a lesson to us all. There are places to save money. Insurance isn't one of them.

[jolsen42]

Originally Posted by jhv48

You're bad mouthing State Farm insurance because you chose to save a few bucks and not to properly insure your car? Basically, you gambled and lost.
Since you didn't have collision coverage on your car at the time of the accident, then you opted out of being able to have your insurance company represent you in case of an accident. If the company does not experience a covered loss (read that a monetary payout) then they cannot represent you in your claim against the other party. They have to have a dog in the fight. No company would help you out of this situation. You chose not to have the proper coverage on your vehicle. You gambled and lost. Your only recourse is civil or small claims court.
Don't blame the insurance company for your screw up. Accept responsibility and move on.
And, yes, my wife is a State Farm Agent and she hears this complaint weekly. Clients want to save a few bucks by reducing their insurance and then blame either the agent or the company when their decisions come back and bite them in the butt.
And, don't worry, since you reported the accident to your agent, they might just cancel you anyway.

Originally Posted by jhv48

You still don't get it. They didn't screw you, you screwed yourself. If you have no coverage (collision) they can't legally represent you as they have no loss. It doesn't matter whether the other car was at fault or not. YOU HAD NO COVERAGE! Has nothing to do with their bottom line. It's the law. If you had purchased collision coverage, then they would represent you in the claim. You didn't, SO THEY CANT!
Suck it up. Stop trying to blame others for your decision not to carry the proper insurance coverage. Like you said, State Farm paid where they should. You just feel that they should be responsible for your bad decisions.
Was it worth the money you saved on your insurance premiums?
Hope this is a lesson to us all. There are places to save money. Insurance isn't one of them.

WOW! Two great insightful and helpful posts. You must be a graduate of the Henry Kissinger school of diplomacy.

John O