Years ago, when I was single and under 25, shopping for insurance was painful. I was excited to find a company that offered reasonable rates and promptly hopped on board.
In the end, they failed the test. Making a claim was worse than pulling teeth.
After having a motorcycle-totaling wreck and subsequent performance award from the Idaho State Patrol, dealing with insurance was worse. Here’s what I did:
- Called the local branch within 18 hours of the accident.
- Called the claims number the morning of the first business day with all the relevant and requested information.
And here is what they did:
- A claims representative emailed me stating an adjuster would call me within 24 hours.
- A different claims rep called me, stating the adjuster would call me at 4 PM the next day.
What actually happened over the next two days:
- (this space intentionally left blank)
I called my claims rep and left a message. After not receiving a call back for over 24 hours, I called again and contacted someone on the “claims team.” I received more information and was told to wait to be contacted by an adjuster. However, if I think the bike is a total loss, I could either take the bike to a mechanic for an estimate or take photos of the damage and send that in to their in-house adjuster.
Four business days after the company knew about my accident and they just then told me a mechanic should be looking at my bike.
Within hours of being told I could document the damage myself, I had sent multiple high resolution photos clearly showing the damage to the adjuster.
At the end of the next business day, I called to check on the status of my claim since nobody had contacted me for almost a full business week. Oh, the adjuster received the photos and will get back to me in about 24 to 48 hours.
Three days later I am contacted by the in-house adjuster and he confirms it’s a total loss, so he confirms some items on the motorcycle (yes, it has an electric starter, no, it has the five speed transmission, they never offered a six speed for the bike in question, etc…).
We’ll send this information off to the third party we use to get fair market values. They should get back to us in 24 to 48 hours with a number.
If the third party company stayed true to their word, Liberty Mutual sat on the number for a while.
In the end, I received a fair price for the poor bike, minus my deductible, and was happy to cash in my check over four weeks after the incident and not deal with that horrid company ever again.
I am now paying a better company for insurance. A friend had an incident with his bike and had a check in his hand within a business week.