Expert: webfoot - 7/4/2006

Question
I HAVE TO FILE A CLAIM WITH MY OWN INSURACE CARRIER, BECAUSE THE GUY THAT REAR ENDED ME HAD NO INSURANCE..
THE GUY HANDLING MY CLAIM WAS NOT DOING A GOOD JOB AT ALL, SO IT GOT SEND TO SOMEONE ELASE FOR HANDLING..
SHE CALLED ME, AND HAD A BIGGG ATTITUDE PROBLEM!
AND WAS TELLING ME THAT MY CAR HAD A MINIMAL AMOUNT OF DAMAGE TO IT.. OF COURSE IT LOOKS HORRIBLE TO ME..
I AM HAVING BACK PAIN NOW, ESPECILLY AT NIGHT... AND I WENT TO DOCTOR 1 TIME AND SHE GAVE ME RELAXERS, THEY ARE ABOUT OUT.. AND I KNOW THAT IM GOING TO HAVE TO GO TO A CHROPRACTER... IS SHE ABLE TO TELL ME THAT SHE CAN ONLY DO 500.00 AND THATS IT? IT DOENT SEEM FARE TO ME... IVE TALKED TO MY LAYWER  

Answer
As I've never seen your car or the estimate for damages, or your medical records I have no way to determine what a fair settlement is.  I can tell you that based on the $500 injury settlement offer, your bumper damage was likely limited to scratches on the plastic bumper cover with no additional damage to any of the structural components beneath.  If this is indeed the case, then I’ve seen cars hit with bicycles get as much damage.

The transfer from one rep to another likely had nothing to do with the handling of the claim.  The rep transfer more likely occurred when you presented injuries, as that is a different department.

In my experience, “attitude problem" translates into "the rep will not pay me what I'm wanting".  It happens to me just about every time that I have to actually say "no" to a claimant, no matter what the reason.  The next call is to my boss complaining about my attitude.  It's really funny to read claim notes and see some of my other co-workers, whom have won national customer service awards, being referred to by an angry claimant is "having an attitude".  We find that the ones who complain the loudest also have the most claims and if you look through the history of the claims, you find that everyone in the company "had an attitude".  I had a guy yesterday whose vehicle was hit low on the right side in a parking lot.  He tried to claim a broken wiper arm up high on the hatch back door along with the heavy rust on the door as loss related.  Though he is the one attempting to commit insurance fraud, I am the one that will be reported as "having a bad attitude" because I denied the fraud.

You stated that you have talked to your "LAYWER".
If this is the case, then why am I being contacted?  Did you not like his or her answer?  You also stated that you were under a doctor's care, but are now going to go to a chiropractor.  To me, it sounds like the medical doctor is through with you, so you're going to shop around until some bottom feeder chiro will help you get some more money.
Just remember.  The three most popular advertisers that appeal to the lowest class on late night TV are:
Sex talks peddlers, Girls Gone Wild, personal injury attorneys and chiropractors.  
I'm sorry if I've offended the kind folks at Girls Gone Wild.

That is my honest answer Tracy, as advertised.