Here we go again

KIS · 10-30-2012, 05:34 PM

I was rear ended this afternoon while driving in traffic in Houston. This is the third rear bumper that has been destroyed on my 2011 M3. This has all happened within 2 years. I fucking give up. Oh, and the insurance company that screwed me on the second incident has another crack at me. At some point in the not too distant future I am going to give up on driving a nice car in Houston.

quiksi · 10-30-2012, 05:38 PM

yikes, that's terrible

NoM3ForMe · 10-30-2012, 05:43 PM

Quote:

Originally Posted by KIS

I was rear ended this afternoon while driving in traffic in Houston. This is the third rear bumper that has been destroyed on my 2011 M3. This has all happened within 2 years. I fucking give up. Oh, and the insurance company that screwed me on the second incident has another crack at me. At some point in the not too distant future I am going to give up on driving a nice car in Houston.

Take 6 of these and THEN deal with the insurance company. There is honesty in alcohol.

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MKE_M3 · 10-30-2012, 06:25 PM

Sorry to hear about this OP, how did the insurance company screw you last time?

LarThaL · 10-30-2012, 06:59 PM

Quote:

Originally Posted by KIS

I was rear ended this afternoon while driving in traffic in Houston. This is the third rear bumper that has been destroyed on my 2011 M3. This has all happened within 2 years. I fucking give up. Oh, and the insurance company that screwed me on the second incident has another crack at me. At some point in the not too distant future I am going to give up on driving a nice car in Houston.

They are insurance companies. There sole goal is to get your premium then pay out as little as is legally possible. This is how they make money.

MStar · 10-30-2012, 07:05 PM

People always get to close to me from the rear view..I think its the idiots that want to get a closer look at the car..

How to do you get screwed by insurance after getting rear ended?..It is automatically the other person fault..ALWAYS

KIS · 10-30-2012, 07:05 PM

Quote:

Originally Posted by jdemetry

Sorry to hear about this OP, how did the insurance company screw you last time?

In Texas, if an insurance company can not get a statement from their customer they do not have to pay out on a claim. They have 30 days to make documented attempts at contact. Hard to believe, but true.

MStar · 10-30-2012, 07:08 PM

Quote:

Originally Posted by KIS

In Texas, if an insurance company can not get a statement from their customer they do not have to pay out on a claim. They have 30 days to make documented attempts at contact. Hard to believe, but true.

That cant be right no way..you got the run around

kscarrol · 10-30-2012, 07:10 PM

Quote:

Originally Posted by KIS

In Texas, if an insurance company can not get a statement from their customer they do not have to pay out on a claim. They have 30 days to make documented attempts at contact. Hard to believe, but true.

Even if there is a police report? Maybe if you guys simply trade info and go your separate ways with a police report I could believe this....

KIS · 10-30-2012, 07:12 PM

Quote:

Originally Posted by MStar

That cant be right no way..you got the run around

You would certainly think that my description was wrong, but I spoke with individual's at the state insurance board in Austin, as well as my agent that is a top flight broker. Also, I am tenacious and for several days refused to believe this, until it was explained to me how the insurance lobby in Texas works.

KIS · 10-30-2012, 07:13 PM

Quote:

Originally Posted by kscarrol

Even if there is a police report? Maybe if you guys simply trade info and go your separate ways with a police report I could believe this....

Clearly, you don't understand how it works when dealing with people that have nothing to lose financially.

MStar · 10-30-2012, 07:14 PM

Quote:

Originally Posted by KIS

You would certainly think that my description was wrong, but I spoke with individual's at the state insurance board in Austin, as well as my agent that is a top flight broker. Also, I am tenacious and for several days refused to believe this, until it was explained to me how the insurance lobby in Texas works.

WOW if true Texas is definitlely in the insurance dark ages..I would have sued the person directly in small claims court.

FormulaMMM · 10-30-2012, 07:15 PM

Very sorry to hear man. That is just rotten luck.

KIS · 10-30-2012, 07:18 PM

Quote:

Originally Posted by MStar

WOW if true Texas is definitlely in the insurance dark ages..I would have sued the person directly in small claims court.

Suing an illegal with no permanent address, and no possible way to locate them. I sue them in small claims court and they don't show up, so I get a very hollow victory. I win, but have no way of collecting money.

MStar · 10-30-2012, 07:22 PM

Quote:

Originally Posted by KIS

Suing an illegal with no permanent address, and no possible way to locate them. I sue them in small claims court and they don't show up, so I get a very hollow victory. I win, but have no way of collecting money.

An illegal with no permanent address yet has a drivers license? how?

KIS · 10-30-2012, 07:22 PM

I appreciate the incredulous posts of those that refuse to believe the facts as they are. Typically, educated people are taught that our system allows redress for grievances. All I can say is, when you are seeking redress from an individual that has no financial resources, and in my case, no legal residence status, time to bend over.

KIS · 10-30-2012, 07:24 PM

Quote:

Originally Posted by MStar

An illegal with no permanent address yet has a drivers license? how?

They provide an address when they apply for a driver's license and then can easily move on without updating their place of residence. They can easily disappear.

MStar · 10-30-2012, 07:27 PM

Quote:

Originally Posted by KIS

They provide an address when they apply for a driver's license and then can easily move on without updating their place of residence. They can easily disappear.

Not to beat a dead horse.. but almost every state requires social security number, passport verification or other proof of identity and proof of residence (utility bill, etc) I dont see how an illegal gets a drivers license but I admit I'm not up on how it works in Texas

Hope this time around you get made whole..GL

kscarrol · 10-30-2012, 07:33 PM

Quote:

Originally Posted by KIS

Clearly, you don't understand how it works when dealing with people that have nothing to lose financially.

No, we have plenty of that here in New Orleans as well! Did you wait around and get a police report? If you have a police report clearly stating the other driver is at fault, you still need this statement from the driver at fault to get the insurance company to pay? Just trying to understand how you got screwed...

GIdriver · 10-30-2012, 07:38 PM

Quote:

Originally Posted by KIS

In Texas, if an insurance company can not get a statement from their customer they do not have to pay out on a claim. They have 30 days to make documented attempts at contact. Hard to believe, but true.

Sorry to hear, OP. That sucks. I do believe you, but let me tell you that it is ridiculous how this works in Texas. Hope you fix her soon.

KIS · 10-30-2012, 07:39 PM

Quote:

Originally Posted by kscarrol

No, we have plenty of that here in New Orleans as well! Did you wait around and get a police report? If you have a police report clearly stating the other driver is at fault, you still need this statement from the driver at fault to get the insurance company to pay? Just trying to understand how you got screwed...

Police, in Houston, will not come out to an accident where no one in injured, and all vehicles are drivable. I had a police car stop at the scene of one of my accidents, only to ask if there were any injuries. When I responded no, he rolled up his window and left. I could have clutched my chest and collapsed, but I'm confident I would have been arrested for lying to a police officer.

KIS · 10-30-2012, 07:41 PM

Quote:

Originally Posted by GIdriver

Sorry to hear, OP. That sucks. I do believe you, but let me tell you that it is ridiculous how this works in Texas. Hope you fix her soon.

I appreciate your kind words, and please believe me when I say that I completely agree with how ridiculous this situation is.

10-30-2012, 05:34 PM	#1
KIS Lieutenant 38 Rep 543 Posts Drives: 2015 Jaguar F Type R Join Date: Sep 2010 Location: Houston, Texas iTrader: (0)	Here we go again I was rear ended this afternoon while driving in traffic in Houston. This is the third rear bumper that has been destroyed on my 2011 M3. This has all happened within 2 years. I fucking give up. Oh, and the insurance company that screwed me on the second incident has another crack at me. At some point in the not too distant future I am going to give up on driving a nice car in Houston.
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10-30-2012, 05:38 PM	#2
quiksi Captain 75 Rep 903 Posts Drives: E90 Join Date: Jul 2010 Location: Houston, TX iTrader: (1) Garage List 2018 Toyota Tundra ... [0.00] 2011.5 E90 M3 [0.00]	yikes, that's terrible __________________ 2011 E90 M3 6mt AW/Speed Cloth - ZCP, Moonroof, non-iDrive - PCD 12/9/10 Painted reflectors, matte black grills/gills, Deansbimmer Belly Pan, DEI Alarm, Homelink/compass retrofit, Passport MAX2 Hardwire, GP Thunder 8500K, modmy3 LED interior, Dinan Mufflers, HRE P40 19" Satin Charcoal, Michelin PS4S
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10-30-2012, 06:25 PM	#4
MKE_M3 Lieutenant Colonel 65 Rep 1,705 Posts Drives: 2011 e90 M3 Join Date: Feb 2009 Location: Milwaukee, WI iTrader: (0)	Sorry to hear about this OP, how did the insurance company screw you last time? __________________
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10-30-2012, 07:05 PM	#6
MStar Banned 6 Rep 290 Posts Drives: e92 M3 Join Date: Oct 2012 Location: Here and there iTrader: (0)	People always get to close to me from the rear view..I think its the idiots that want to get a closer look at the car.. How to do you get screwed by insurance after getting rear ended?..It is automatically the other person fault..ALWAYS
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10-30-2012, 07:15 PM	#13
FormulaMMM Brigadier General 3663 Rep 3,422 Posts Drives: E90 M3 Join Date: Oct 2011 Location: Midwest iTrader: (2)	Very sorry to hear man. That is just rotten luck. __________________ M4 GTS, GT3, C63 S \| E90 M3s, E39 M5
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10-30-2012, 07:22 PM	#16
KIS Lieutenant 38 Rep 543 Posts Drives: 2015 Jaguar F Type R Join Date: Sep 2010 Location: Houston, Texas iTrader: (0)	I appreciate the incredulous posts of those that refuse to believe the facts as they are. Typically, educated people are taught that our system allows redress for grievances. All I can say is, when you are seeking redress from an individual that has no financial resources, and in my case, no legal residence status, time to bend over.
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