Reply to Car catches on fire and damages mine, but their insurance doesn’t pay

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[quote=Anonymous][quote=Anonymous]You gotta keep calling and bugging them.  Keep asking to escalate and speak to a manager.  You gotta make it too difficult for them to brush you off, to make it that they'd rather  pay you off then to have to keep dealing with you.  Don't let them bully you.

A car exploding in a fire is not an act of god!  A wildfire, a hurricane, a flood, sure.  That car exploded because of an issue with the car.[/quote]

Unless it is a small insurance agency, they won't care.  All you are doing it bugging the tier one customer service reps, e.g. those CSRs who have absolutely no power to grant you anything.  And for most of them, it doesn't even bother them because they are there and getting paid their hourly rate whether they talk to you or not.  And most of the people who call are already hot, bothered and upset, so you're one of many to them.

This is one of the reasons why you have comprehensive insurance instead of just liability.  When there is something that it outside of your control that happens to your property, an insurance agent for a comprehensive policy is responsible for contacting, bugging, and negotiating with the other insurance company or the other vehicle owner.  Additionally they have lawyers on staff for your insurance company to press legal issues against the other insurance company or the other vehicle owner.

In this case, without comprehensive insurance, your only real recourse is to hire a lawyer who will do what you would normally rely upon an insurance agent/agency to do for you.  Which, in this case, is to contact and press legal recompense for damage caused by their client.  If you can't or don't want the cost of a lawyer, then it is your responsibility.  As I mentioned above, this is why people pay the premiums for comprehensive insurance.  You bet you wouldn't need it and you lost.[/quote]

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