200A and 202 reproduction
frames back
in stock.

DougA
Maybe there's an insurance agent or two in the forum who can chime in on this.  Yesterday I had a minor fender-bender, I was car #3 in a chain reaction rear-ender at a stop sign.  Car #1 slammed into Car #2 (who was stopped) who rolled into me (also stopped).  Clearly #1's fault.  Did the police and EMS and all that at the scene, everyone is OK in all the vehicles, only damage to the cars.  Police officer who gave us the incident # for the report to be ready later said to Car #2 and me that it was definitely on her (meaning Car #1).

Now to the question, I got home and called my insurance agent right away.  Gal in the office tells me that since it was only property damage and no injuries and it's Car #1's fault *I* need to go to the police station and pick up a copy of the accident report and then *I* need to call Car #1's insurance and file my claim.  Excuse me?  Why do I pay premiums and why do I have an insurance agent?  Let me stress that this was the agent in the local office, not the actual carrier of my insurance.  Is this normal to be turned out by the agent and told, "go do it yourself"?

I can see the first part of her reasoning to not put it through my insurance since I was clearly not at fault and it is all going to come back on Car #1 anyway and this way there are no marks against me on my insurance.  I get that.  But shouldn't the agent be doing some of the legwork on this?  I was just flabbergasted by it though was sorely tempted to let loose on her as I was still shaking and out of sorts from the accident.  I'm not a burn-your-bridges type.

I did call a friend who had an accident recently to ask if she had been through this and she hadn't and was also aghast on hearing my story and said, "You know what, I'm gonna call my insurance guy and see what he says."  She called me back to say that her agent was appalled and said that my agent was likely avoiding my report because of some figures that agencies have to report on losses, even if it wasn't against one of their carriers .... or something like that.  He said that if I was his client he'd have me pick up the police report because it would be faster than his requesting it, but he'd get the claim with Car #1's insurance started and run interference where necessary.

So, I am just wondering thoughts and perhaps industry insight on this.  I will go get the police report today and start the process myself and when the dust is settled I am going shopping for another agency.
DougA  ... fettler and keeper of a family collection of nickel: a 249, a pair of 237s, and a 1938 228B, along with a late 1979 red 200a.  Then two more turned up, a 1941 243A and a 1944 242C, and now there's a b-day 200A lantern, too!.
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Smudge
I'm no expert, but that doesn't sound right. Insurance company should take care of it on your behalf.
"If all the beasts were gone, men would die from a great loneliness of spirit, for whatever happens to the beasts,
also happens to the man. Whatever befalls the Earth, befalls the sons of the Earth.” - Chief Seattle

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Pancholoco1911
Had a similar issue with progressive and after settle up we went with another insurance company. Hope everything ends well. 
~Pancho~
👀 for BD lantern  7/85, 10/04, 5/11, 2/19
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SteveA
I'm with GEICO, it's been a while, but  they took care of everything.
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Tigerfans2
I was at the front of that line last winter. When you go through your agent it's a claim on your insurance and eventually al might turn out ok with maybe increased premiums.  I called her (the gal that DROVE into the back of the guy behind me whilst likely on her phone) insurance company,  they gave the choice of a couple of good places to have it fixed. Paid for my rental. I never paid a dime nor had to wait for reimbursement.

Editing to add: my son went through his insurance a few months ago when some dimwit hydroplaned into him. He's still waiting for esurance to finish reimbursing him for his out of pocket. Had he been able to get ahold of them 1st I suspect he would have had no out of pocket. 

Your mileage may vary..
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Coleman Quick Lite Crew #8
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DougA
Thanks for the reinforcement that I am not crazy thinking that my agent should be doing a bit more.  Like I said, I get not putting it through my insurance, but it seems like the agent, who knows how to talk the talk as they say, could do some work on my behalf with the responsible party's insurance company, not just turning me down flat and saying, in effect, "go take care of it yourself."  The kicker was toward the end of the call when I grumbled about doing all this myself her response was, "With an accident everyone is put out."  Though apparently not you, sunshine, since you're not doing diddly in this.
DougA  ... fettler and keeper of a family collection of nickel: a 249, a pair of 237s, and a 1938 228B, along with a late 1979 red 200a.  Then two more turned up, a 1941 243A and a 1944 242C, and now there's a b-day 200A lantern, too!.
Coleman Blues Member #92.
BernzOmatic Appreciation Club #009.
Perfection Heater Collectors #5 
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arizonacamper
Get a hold of her Superior and complain to them. If that doesn't work tell them you're going to talk to the insurance commissioner of whatever state you live in that will get their attention
Shawn 
Owner of Copper State Diesel And Automotive. See my facebook page.

Lanterns are like tools. 
You can not have too many unless your wife says so!!

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DougA
On the phone with the responsible party's insurance company as I type this ...
DougA  ... fettler and keeper of a family collection of nickel: a 249, a pair of 237s, and a 1938 228B, along with a late 1979 red 200a.  Then two more turned up, a 1941 243A and a 1944 242C, and now there's a b-day 200A lantern, too!.
Coleman Blues Member #92.
BernzOmatic Appreciation Club #009.
Perfection Heater Collectors #5 
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Gunhippie
It's not up to you to even decide who was at fault.

I was the car in the middle of a multi-car pile up on ice, caused by the three cars behind me. The finding was that I was still partially at fault, as I hit the car in front of me--regardless that I had plenty of space and was at a full stop when the CF started.
It's priceless until someone puts a price on it.
Walk a mile in a man's shoes before you criticize him--then you're a mile away, and he has no shoes.
Texan's last words: "Y'all--hold my beer--I wanta' try sumptin'."
Timm--Middle of nowhere, near the end of the road, Oregon.
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DougA
Thanks for the continuing replies.  It's obvious that my insurance agent's office has dropped the ball on me, but in the good news department I just got off the phone with Car #1's insurance carrier and have a claim number and just need to take pix of my car to send to them and then on to the next step and get my car repaired.
DougA  ... fettler and keeper of a family collection of nickel: a 249, a pair of 237s, and a 1938 228B, along with a late 1979 red 200a.  Then two more turned up, a 1941 243A and a 1944 242C, and now there's a b-day 200A lantern, too!.
Coleman Blues Member #92.
BernzOmatic Appreciation Club #009.
Perfection Heater Collectors #5 
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Rubing
I had a similar experience years ago, I was stopped at a light with my foot on the brake pedal, a guy rear ended me causing me to hit the car that was stopped at the same light in front of me. 
The officer told me that I was technically at fault for rear ending the car in front of me. WTH?
I called my insurance company, took my truck in for needed repairs, never heard another word from the insurance company and never spent a penny for repairs. 
ICCC # 1402
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Tigerfans2
There seems to be inconsistencies concerning rear end accidents involving more than one vehicle. The one that hit me made sure to give me his info but the gal hitter's insurance once they had the police report assigning her fault didn't hesitate to pay. It's likely different when cars are stopped vs cars moving.
Coleman Slant Saver #58
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outlawmws
Just remember one thing about this:

Always go after the other guy insurance Co (and pray its not the same co. as yours as  some amply treat it as "no ones fault" and you get soaked with BS)

If the other guys (different) insurance tries to give you the run around, (you have to use our shops and our estimators)  tell them you are the injured party and don't have to follow a single one of their "rules"  (You DO if you were at fault, and its YOUR insurance Co as its in your contract/policy);  Go get it fixed where you want and get estimates from who you want - in court their "Company policies for the process" are worthless.  

If its totaled  - or close to it - start collecting similar car prices and documenting them.  They WILL try to low ball you; and you are entitled to what it  would cost to replace.   - Low miles? find those.  condition?  same...   Again, YOU are the injured party. and no court will rule in their favor.  I've beat them into submission a number of times for me and my mother (who seems to be a dent magnet...  - NEVER had a Ticket and NEVER been in an accident where she was at fault...  )  

As to your agent - he is there to SELL you insurance not to process your claims.  Can you ask him to help if you have an impossible clams adjuster with your Ins co?  Sure, but he also knows where his bread and butter comes from, and its a percentage you pay the COMPANY, ...  dealing with the other insurance Co?  Not really his problem.  If an agent offers this it's an extra, but not part of the deal unless its in writing...
[Logo%20Outlaw-half] 
Coleman Blue's 243's #341 - 275 Appreciation Syndicate member 0242
FAS #001 Confusing Future Generations of Collectors, One Lantern at a Time!

“A Human Being should be able to change a diaper, plan an invasion, butcher a hog, conn a ship, design a building, write a sonnet, balance accounts, build a wall, set a bone, comfort the dying, give orders, take orders, cooperate, act alone, solve equations, analyze a new problem, pitch manure, program a computer, cook  a tasty meal, fight efficiently, die gallantly.  Specialization is for insects.”            - Lazarus Long


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DougA
Thanks for the clarification on what the agent does.  Makes me wonder why I have one, 😉

So far, things are OK with this process.  One snag is with their inspection process, I can take pix and send them in, but only with their smart phone app, and I don't have a smart phone and the app gags on my tablet.  I was thinking I could email them, but that isn't an option.  So I had to schedule an in-person inspection for someone to take the pix, so the repair process is extended a few more days.  Once they have the pix then I can take my car to my shop for the repairs.
DougA  ... fettler and keeper of a family collection of nickel: a 249, a pair of 237s, and a 1938 228B, along with a late 1979 red 200a.  Then two more turned up, a 1941 243A and a 1944 242C, and now there's a b-day 200A lantern, too!.
Coleman Blues Member #92.
BernzOmatic Appreciation Club #009.
Perfection Heater Collectors #5 
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colemanholic
I had a similar accident years back. My agent was willing to file the claim, but I would be responsible for the deductible until it was subrogated with the other insurance company, plus if I went though them I would not get a rental but the other company is required to provide one. I had one accident where I was hit by two separate vehicles and chips in the paint from a third vehicles shattering glass. I just turned it over to my agent to sort out.     
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RobSchroff
outlawmws wrote:
Just remember one thing about this:

Always go after the other guy insurance Co (and pray its not the same co. as yours as  some amply treat it as "no ones fault" and you get soaked with BS)

If the other guys (different) insurance tries to give you the run around, (you have to use our shops and our estimators)  tell them you are the injured party and don't have to follow a single one of their "rules"  (You DO if you were at fault, and its YOUR insurance Co as its in your contract/policy);  Go get it fixed where you want and get estimates from who you want - in court their "Company policies for the process" are worthless.  

If its totaled  - or close to it - start collecting similar car prices and documenting them.  They WILL try to low ball you; and you are entitled to what it  would cost to replace.   - Low miles? find those.  condition?  same...   Again, YOU are the injured party. and no court will rule in their favor.  I've beat them into submission a number of times for me and my mother (who seems to be a dent magnet...  - NEVER had a Ticket and NEVER been in an accident where she was at fault...  )  

As to your agent - he is there to SELL you insurance not to process your claims.  Can you ask him to help if you have an impossible clams adjuster with your Ins co?  Sure, but he also knows where his bread and butter comes from, and its a percentage you pay the COMPANY, ...  dealing with the other insurance Co?  Not really his problem.  If an agent offers this it's an extra, but not part of the deal unless its in writing...


How long have you worked in the insurance industry?
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outlawmws
I've been working against them since I was 16.  
[Logo%20Outlaw-half] 
Coleman Blue's 243's #341 - 275 Appreciation Syndicate member 0242
FAS #001 Confusing Future Generations of Collectors, One Lantern at a Time!

“A Human Being should be able to change a diaper, plan an invasion, butcher a hog, conn a ship, design a building, write a sonnet, balance accounts, build a wall, set a bone, comfort the dying, give orders, take orders, cooperate, act alone, solve equations, analyze a new problem, pitch manure, program a computer, cook  a tasty meal, fight efficiently, die gallantly.  Specialization is for insects.”            - Lazarus Long


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RobSchroff
outlawmws wrote:
I've been working against them since I was 16.  


In what capacity?
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outlawmws
Where are you going with this?
[Logo%20Outlaw-half] 
Coleman Blue's 243's #341 - 275 Appreciation Syndicate member 0242
FAS #001 Confusing Future Generations of Collectors, One Lantern at a Time!

“A Human Being should be able to change a diaper, plan an invasion, butcher a hog, conn a ship, design a building, write a sonnet, balance accounts, build a wall, set a bone, comfort the dying, give orders, take orders, cooperate, act alone, solve equations, analyze a new problem, pitch manure, program a computer, cook  a tasty meal, fight efficiently, die gallantly.  Specialization is for insects.”            - Lazarus Long


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RobSchroff
Just curious as to your level of knowledge/professional experience given the conviction of the statements you made. 
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outlawmws
Just too many exposures to invariably anti-claimant tactics and tricks, and some solid coaching from a friend that was in the industry his entire life.
[Logo%20Outlaw-half] 
Coleman Blue's 243's #341 - 275 Appreciation Syndicate member 0242
FAS #001 Confusing Future Generations of Collectors, One Lantern at a Time!

“A Human Being should be able to change a diaper, plan an invasion, butcher a hog, conn a ship, design a building, write a sonnet, balance accounts, build a wall, set a bone, comfort the dying, give orders, take orders, cooperate, act alone, solve equations, analyze a new problem, pitch manure, program a computer, cook  a tasty meal, fight efficiently, die gallantly.  Specialization is for insects.”            - Lazarus Long


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Gasman64
Doug, I'm afraid I have nothing to offer-I've never been in that situation.  I do hope very much that you can get somewhere with this, and that things somehow work out for you!   I agree with anyone who says that insurance companies do their best to get out of paying claims.  I think these people stay up late nights, thinking of loopholes they can use.
Steve
ICCC #1012
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kansaswoody
Officer here. We don’t decide who is at fault, we only report if there are any violations of the law. Your insurance company decides fault. Your insurance agent is just trying to get you to do his leg work for you. Remind them how much you pay a year for coverage and ask why they can’t do their part to get your car fixed....
Drew
Turd Appreciation Member #1286
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major_man
Im in insurance but can't be much help as I'm in Canada and different rules/laws here. I would make sure your agent is involved as each state in the US has its own insurance regulations so they would know best.

If it were Canada, every company pays for their own insurers damage, no matter who's at fault. The company can try and surrogate against the at fault party carrier.

Your agent saying that you need to file the claim sounds like they're trying to get you to do the work. Suggest you call your carrier as you can discuss with them, talk to the owner or manager at your agents office or even an insurance ombudsmen in your state, they're the professionals and know the laws in your state.

Sorry about this happening, insurance gets a bad rap for things like this and it's something you hope to never have to use.
William
WTB or trade for poultry or USFS.
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Chucker
In the U.S. you always get a claims rep (not your agent) if you file a claim with YOUR company. Not so if the pay out is coming from another drivers insurance company. 

Getting a police report number is a minor detail and was not able to be done by the agent back when I was in the business. It could only be done by the client or claims department because they had lawyers. 

Yes, your agent could help facilitate or guide you in YOUR claim but is sounds like it is the other drivers claim that will pay. 
Chuck
"...we also glory in our sufferings, because we know that suffering produces perseverance; perseverance, character; and character, hope" Romans 5:3-4
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bwperreault
In Saskatchewan your claim would be with driver #2, because #2 hit you from behind. Fault is decided by our monopolizing government insurance, who are actually pretty easy to deal with as they're all government employees spending the "people's" money.
Brian
ISO 6-56, 7-88, and 2-91.  Found a 1-91, it may be as close as I get.
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