At 10:38 pm on Sunday
the Third of May 2020, in the midst of pandemic, three cars, mine included, were hit by the young woman driving the car seen turned upside down in the photo to the left. It was apparent from what I heard in my apartment that night, that the driver was driving way too fast when she had the accident.
The police, who were apparently close by, responded very quickly, before I was even out the door, in fact, to the scene of the crime. Those of us whose cars were hit were asked by the police for our registrations and our insurance information. We waited for over an hour while they sorted out the details of the accident.
Though the person who had the accident told all of us who she hit that night that she had the maximum in accident coverage and that all, as a result, would turn out well for our damaged cars, it turned out that she did not have anywhere near maximum coverage as those of us whose cars were hit by the out of control vehicle soon learned from her car insurance carrier, Progressive. In fact, she only had $10,000 dollars worth of coverage, something I quickly surmised would be gone given that the first of the three cars she hit was totalled. This was confirmed when I contacted Progressive. Progressive informed me and I informed my neighbour, whose car was also hit, that we should go through our insurance companies—mine was Amica—to make a claim. I did though the bureaucratic process, problematised by the pandemic, is still playing itself out and probably will be for some time as I still need to take my Escape to have it looked at by claims adjustors and I am apprehensive about the damage the force of the accident may have done to the suspension and undercarriage of the car.
Then on the 20th of May 2020 things changed. The neighbour whose car was also hit informed me that her insurance company, Geico, was able to get a promise from Progressive—her case was handled by a different representative than mine for some bizarre reason—that Progressive would cover up to $500 dollars of the damage on her car, the equivalent of the standard deductible. I asked for the same promise—that Progressive would cover damage up to $500 dollars on my six month old 2019 Ford Escape and if the damage was over $500 dollars they would pay my deductible to Amica and Amica would, in turn, cover the remaining cost of the damage. My request, however, was denied by Progressive while Amica proved of little help in the matter. Given this it looks like my next move will be to file a complaint with both the insurance commissioner of New York state and the Attorney General of New York state.
The police, who were apparently close by, responded very quickly, before I was even out the door, in fact, to the scene of the crime. Those of us whose cars were hit were asked by the police for our registrations and our insurance information. We waited for over an hour while they sorted out the details of the accident.
Though the person who had the accident told all of us who she hit that night that she had the maximum in accident coverage and that all, as a result, would turn out well for our damaged cars, it turned out that she did not have anywhere near maximum coverage as those of us whose cars were hit by the out of control vehicle soon learned from her car insurance carrier, Progressive. In fact, she only had $10,000 dollars worth of coverage, something I quickly surmised would be gone given that the first of the three cars she hit was totalled. This was confirmed when I contacted Progressive. Progressive informed me and I informed my neighbour, whose car was also hit, that we should go through our insurance companies—mine was Amica—to make a claim. I did though the bureaucratic process, problematised by the pandemic, is still playing itself out and probably will be for some time as I still need to take my Escape to have it looked at by claims adjustors and I am apprehensive about the damage the force of the accident may have done to the suspension and undercarriage of the car.
Then on the 20th of May 2020 things changed. The neighbour whose car was also hit informed me that her insurance company, Geico, was able to get a promise from Progressive—her case was handled by a different representative than mine for some bizarre reason—that Progressive would cover up to $500 dollars of the damage on her car, the equivalent of the standard deductible. I asked for the same promise—that Progressive would cover damage up to $500 dollars on my six month old 2019 Ford Escape and if the damage was over $500 dollars they would pay my deductible to Amica and Amica would, in turn, cover the remaining cost of the damage. My request, however, was denied by Progressive while Amica proved of little help in the matter. Given this it looks like my next move will be to file a complaint with both the insurance commissioner of New York state and the Attorney General of New York state.
Postscript: It turned out that my neighbour was wrong about Progressive covering damage up to $500 dollars and Amica was very helpful in every way.
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