Re: Kinda OT: Question about car insurance after accident??
- From: "Jennifer Massey-Howe" <jennifer.massey@xxxxxxxxxxxxxxxx>
- Date: Wed, 21 Jun 2006 17:24:07 GMT
When I had my car accident last june. Both of my car seats for both kids
were covered under the car insurance. I got full value for both so they
could be replaced. So you know I'm in the US though
Jennifer
"xkatx" <xkatx@xxxxxxxx> wrote in message
news:XhTlg.72664$JX1.22472@xxxxxxxxxxx
I know this is OT, but I'm wondering if anyone knows anything about
insurance companies that can help with a situation that I'm getting nothing
but a runaround with from my insurance company. We are in Alberta, Canada,
and maybe there's someone from around here that can help???
I've simply asked 3 adjusters now about car seats involved in an accident
and if they can be covered under insurance.
We were in a pretty good (bad) accident Feb. 2. To this day, there's
still no word as to who is at fault. I am aware that this can take a long
time - was told up to a year or two max. My dad informed our insurance
that night, I believe, as when I quickly went home to shower the next
morning before returning back to the hospital, as I walked in the door,
one adjuster from my insurance called me to get a verbal statement. This
was 9-10am on a Friday. Accident was later in the evening on Thursday.
Gave the guy my verbal statement and I had asked him about my child car
seats. One child high back booster seat and one infant (rear facing,
carrier) car seat. I had told him that my son's booster seat was toast.
Completely crushed and the plastic of the seat was both stressed and
cracked from the impact and my daughter's infant seat had no *visible*
damage, but Capital Health says after ANY type of major or minor
collision, all child seats in the vehicle - being used by a child or not -
MUST be replaced, damage visible or not. I would consider this accident
to be more of a major collision than a minor one.
I asked him if my car seats and stroller (the stroller was in the trunk
and damaged to the point where it would not open or close at all and one
wheel was completely snapped off, another was completely bent sideways)
were covered by anything, and he told me they were but he would check into
it. Never heard from that particular guy again, and when I had called him
back he was no longer managing my particular file.
Passed me on to Adjuster #2. I asked the same question, as when DH came
to the hospital right after, we decided that since the baby seemed to be
doing alright, it was best that she go home to sleep, but my major concern
was her car seat and I was fairly paranoid at this point about cars and
accidents (obviously) but it would have made no sense to have to deal with
an injured 5 year old just out of surgery and staying in the hospital AND
a 6 month old baby. That Adjuster #2 told me that car seats are covered
under home insurance, NOT any type of vehicle insurance. I found that to
be odd, and to this day I still do not understand how that would work...
Anyone have any idea why an obvious vehicle content would need house
insurance to cover it? It seems absolutely absurd to me for a person who
makes a claim on their car insurance to also have to make a claim on their
home insurance when in reality, it has nothing to do with home. A car
seat is obviously something that is kept in your car, and it's also
something that is not debatable - the car seats were both in the car at
the time of the accident and the police report clearly states that both
children were in proper car seats properly installed in the said vehicle
at the time of the collision, and being properly used.
I then find out that we now have yet another adjuster - this is Adjuster
#3 in as many weeks at that point - who then said that any and all car
seats are covered under vehicle contents, not home insurance. Is coverage
for contents a totally separate part of insurance? Is this something that
will only be straightened out once the insurance companies both get their
acts together and figure out who's to fault? Right now, there's a car
that's a total write off, a truck with about 8 grand in damage and 2 car
seats and a stroller. I'm not as concerned about the stroller - went out
and bought a new one, lesser value as it was just a stroller, not the
whole travel system car seat/stroller that we had, and I did keep the bill
just in case. The car seats are the issue that I can't seem to get
anywhere with, and can't seem to get a single, straight answer on.
So, does anyone have any ideas? Anyone have to deal with something like
this before? The value of the booster seat (about 9 months old at the
time, still sold in stores for the same price we originally paid) we had
is about $55. The value of the infant seat/stroller are around $250 (6
months old at the time, still sold in stores for same price as well).
Paid $160 for the stroller we now have and a new replacement car seat will
run about $80.
Should I just wait it out? Run into a small problem with that, as the car
seat we have for the baby is an older one and the expiry date on it is
July 06 and we are borrowing a booster seat from a friend but they will
need their seat back eventually. We're kind of running out of time and
getting sick of the running around and confusion. Can't seem to get
anywhere, yet the insurance company, so far, has been really good about
everything else, aside from this one part.
Any info or advice of direction is apprecited. TIA!
.
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