http://paloaltoonline.com/blogs/p/print/2013/02/14/heres-an-example-of-how-insurance-works


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By Paul Losch

Here’s An Example of How Insurance Works

Uploaded: Feb 14, 2013

I was home, eating breakfast. My car parked across the street, due to all the water main and storm drain work under way in my neighborhood. (I can't wait for it to be over, although it needs to be done.)

A person was driving along after all the heavy equipment was back at work. The signs are confusing, the Caterpillar tractors are intimidating, and it was the time of day when people are off to work, delivering their children to school, etc. A very hectic time in the morning.

She hit my parked car. Admits to the incident, and there were other people who witnessed it.

Here come the complications:

The lady apparently was driving a rented vehicle. She filed a claim with her insurance company, and they are pushing back due to the fact that she was not driving a vehicle she owned, instead a rental.

So here I am as the offended party, attempting to work amicably with an incident I did not cause, but needs to get my car fixed.

I am not getting frustrated yet, but this appears to a he said/she said between the car rental company and the lady who hit my parked car and her insurance company.

No mercy for me, who experienced the damage. What BS.

It is a case study in how the insurance industry is dysfunctional, inefficient, and not responsive to the people they supposedly serve.

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