FUCK YOU, ALLSTATE.

[amezri]

This is fucking bullshit. I filed all the right paperwork, got a police report detailing the accident scene with the cop agreeing with me, the other drive is a fucking dumb bitch who didn't know where she was or how many lanes of traffic, and on the scene her mother FUCKING YELLED AT ME. And now, NOW ALLSTATE SAYS I WAS 100% AT FAULT.

HOW THE FUCK DO YOU LOOK AT ALL THAT AND SAY I AM 100% AT FAULT WHEN YOUR DUMBASS DRIVER WAS MAKING AN UNSAFE TURN FROM THE WRONG FUCKING LANE?! 100% AT FAULT.

This morning I called Allstate to find out what was going on and Regina was out of the office. Again. So then I decided to call the main number and get an operator who tells me that my claim has been denied and I am 100% at fault. That was when I totally lost it and started yelling at the operator. Of course, I immediately apologized to her because it's not her fault and then I felt bad, but I was still really pissed off, so I was probably still yelling while I was apologizing to her - she said she gets yelled at all day - and she said I could request they take a second look. WHY?! CLEARLY YOU'RE ALL A BUNCH OF ASSHOLES PROTECTING YOUR FUCKING UNSAFE DRIVER WHO STILL THINKS SHE CAN MAKE A LEFT TURN FROM A RIGHT THRU LANE.

And of course now I'm crying because I'm upset and I'm pissed off and I can't do anything about it. I HATE crying when I'm pissed because that is just not the right reaction; it's something I developed when I was younger because my father and his family would piss me off all the time and since I couldn't actually attack any of them. So when I'm trying not to show that I'm pissed, I end up crying, which makes it seems like I'm weepy and upset not ENRAGED. Right now I'd actually really like to stab someone in the face, preferably one of the people who decided that not only was I partially at fault - I WAS 100% AT FAULT. WHAT THE FUCKING FUCK?! THANKS FOR TOTALLY FUCKING ME OVER IN EVERY WAY POSSIBLE.

I am also starving and there is no fucking food in the house and I have to go to jury duty and I don't have anything to take for lunch and there is more snow outside and YOU KNOW WHY DOESN'T THE UNIVERSE JUST TAKE ME OUT WHILE IT'S AT IT??!!!!

I called my mother and she said we should just have Liberty pay for it and then have them fight for the $500 deductible back. I BET FUCKING ALLSTATE WON'T EVEN GIVE THAT UP. I don't know. I can't deal with this right now. I don't want to deal with this right now and I CAN'T because I have to be in jury duty all FUCKING DAY. My mother said she'd make the calls since I'm having a FUCKING NERVOUS BREAKDOWN.

This is what you get for doing all the paperwork your supposed to do and calling all the people you are supposed to and waiting and DOING ALL THE SHIT YOU ARE SUPPOSED TO. WHY DO I EVEN FUCKING BOTHER?! I AM KIND OF HOPING THAT OFFICE GOES UP IN A FIREY BLAZE.

AND YOU KNOW WHAT?! I actually wouldn't even be this pissed if their agent had just fucking CALLED ME and told me their decision instead of pretending she was out of the fucking office. MAN UP, YOU BITCH. I mean, I would still have been upset, but at least I would have been able to talk to her and ask her questions and get some kind of idea WHY THEY RULED IN SUCH A STUPID MANNER instead of not being able to ask anyone because everyone in her office was still out and NO ONE could answer any of my questions so I ended up getting mad at the operator and yelling at her.

I FUCKING GIVE UP.

Comments

[arysani.livejournal.com]

That's...absurd. Especially since the police ruled it was the other driver's fault. Did they issue a ticket to the other driver? I'd bring up the police report and cite that in your favor, and contact your own insurance company for back-up. Your insurance company should IN NO WAY have to pay for that malarkey. AND if your insurance company does pay for it, it's just like admitting fault and will jack up your premium.

That's what they do - they are unavailable 100% of the time because they know you'll either lawyer up and they can wash their hands of it or you'll get so depressed at the wacky insurance version of justice that maybe you'll give up. They don't WANT to fight with you. But, if you have the police report in your favor, there should be nothing they can do to put fault on you at all. They always go with the police report because it's the most unbiased opinion they can get (presumably - I'll leave me out of this because I'm putting faith in the cop who knew the other woman was a fucking moron.)

[amezri.livejournal.com]

No ticket was issued and the cop actually wrote, "Driver 2's [me] story is more plausible," so perhaps they used that as a "well, it's not definite."

My insurance company says they can fight it out and get my $500 deductible back for me at least? I have no idea.

[arysani.livejournal.com]

You are entitled to their report - why they ruled it "your fault". If you can finagle it, I actually recommend a calm "whatevs" call to customer service saying you need a copy of the report for your insurance company, and sometimes you can get it without being transferred to the claims dept where they will ignore your calls until the end of time. People in that dept are NOTORIOUSLY unavailable - all across insurance companies of all sorts; no one ever wants to pay out funds for anything.

It's shitty they didn't issue a ticket - they SHOULD have considering she disobeyed a traffic law.

I say make idle threats and get your insurance company to fight it as much as they can. The other company doesn't want to pay out, but they also tend to cave if they're forced against the wall. It's posturing, mostly. But as some other folks have said, they depend on frustrating you beyond belief until you give up and "let" them win. Since you are in the right, I say fight it. You have documentation to back you up, and even an animated gif which I say send to your insurance company to provide as additional evidence, plus all your photographs. It gives them a better, more confident place to stand to say "stop fucking with us"; let them fight it out, and at the very least, your insurance should not go up, you won't get any points on your license, and you'll get your deductible back.

[amezri.livejournal.com]

Hm. Good advice. I will send those digital files to my insurance claim agent. I'm wondering if the description of the accident is just confusing because a lot of you guys couldn't picture it WITHOUT the gif.

[buhfly.livejournal.com]

I'm sorry. :( They are being douches. A lot of insurance companies will do this by rote, tbh. Is your insurance company investigating? They should fight it out.

[amezri.livejournal.com]

It's total bullshit. And the most bullshit thing is now they have a driver on the road who thinks she is right for turning in whatever lane she wants and doesn't have to pay any attention!!

[old-wp.livejournal.com]

I've never been in this kind of situation, but I would definitely fight it. I mean, this is total bullshit. Sorry you're going through this.

[amezri.livejournal.com]

Thanks, yeah, I'm trying to fight it, but it's tough when NO ONE from the other company wants to talk to you and even tell you why they ruled it that way. I mean, sure, if you want to put some blame on me for not being psychic, okay. What I don't get is how I could be 100% at fault for it given the police report and the impact area. My insurance company says they can go to arbitration and try to solve it that way.

[seishin.livejournal.com]

If they wont talk to you on the phone, next time you call tell them that if they dont return your call by x-date, you will go to their offices with your lawyer in tow.

PLEASE fight this, because this is total and utter bullshit.

[fyrdrakken]

Insurance companies' claims departments are staffed with people whose job is to fix it so the company has to pay out as little as possible. For example, the health insurance companies (*cough*Cigna*cough*) who tend to deny all claims right off the bat because of the percentage of people who go, "Well, that's it, they're not paying," and just pay it themselves out of pocket without trouble the company any further. Of course the girl and/or her parents lied to the company when they found themselves on the phone with a representative. Definitely keep calling and raising hell with them -- you have to make them pay just to shut you up and make you go away.

[amezri.livejournal.com]

Well, I have nothing to do on Monday and Wednesday, so maybe I will take the time to do that. Or at least call my company and see if they can help me fight it. To be honest, I don't know if either of them really give a crap about $2000.

[katydidmischief.livejournal.com]

They are total fucktads, honestly - a kid blew a stop, I took off his bumper. I was totally okay taking some of the blame, but because they're fucking IDIOTS I got 100% and they never told me until my insurance went up. They are seriously fucked in the heads there. *hugs you*

[amezri.livejournal.com]

Yeah, that's what I'm afraid of - that our premium will go up when it wasn't even my fault! Okay, maybe I should have anticipated that she would make a bone-headed move considering she was stopped in the right lane, but WTF?

[alorarose.livejournal.com]

*hugs* I hate people.

[amezri.livejournal.com]

Yeah, me too.

[watotube.livejournal.com]

Very enlightening and beneficial to someone whose been out of the circuit for a long time.