You all may recall how I've told you about the Yo-yo, roller-coaster ride that Allstate Insurance has had me on since I was hit by one of their insured customers on December 9th last year. It got worse. Just when I think I am about to get a call to come pick up my repaired vehicle, Allstate throws me a curve-ball to beat all curve-balls. What I'm about to tell you is one of the most ludicrous situations of insurance stupidity I have come across in a long while.
From the day of the accident, the guy who towed our car away told us that my Malibu was totaled. When we had it towed to my body-shop man (Billy), wrote up a detailed estimate for Allstate Insurance. He had that estimate into Allstate within one day of receiving the car at his shop. Weeks later we hear from the insurance company and they told Billy and me that an adjuster from Allstate said it was "unrepairable". Totaled. So, I began fretting over finding a car and wondering what they will give me for my Malibu. Will I be able to replace it with the money they give me? Will I even be able to find one that is in equally good condition?
Meanwhile I submit my hospital bills to Allstate and do not hear back from them. I call and leave messages. No one calls back. So I call again and get a new claims adjuester who tells me they won't pay them until I settle the claim with the first adjuster I talked with. (Tell that to the hospital who wants their money for services already rendered.) I digress.
So Allstate won't tell me what they will give me for the "totaled" vehicle until it is towed to Oklahoma City and another adjuster looks at it and determines its "conditional value". They are going to determine how much it is worth. So I get nervous. I can't think straight wondering where we'll get the money to replace it if Allstate doesn't give us what it costs for another.
Then out of the blue, another Allstate adjuster (Ruby), changes the game plan. Ruby determines it is "repairable and not totaled". My body-shop man, Billy, argued with her that it wasn't financially feasible to repair it with all the safety features and collision damage and towing charges and rental car fees. Ruby poohed poohed him and told him to take this off the estimate, and that off the estimate. When I argued with her that is wasn't repairable and they were only interested in getting off without paying me enough to fix my car properly or replace it, she told me if I didn't like the way Allstate was handling the claim, I could submit it to my own insurance company. Uh...I hung up on her.
So the car gets shipped back to my bodyshop here in Lawton. I don't call. I don't ask anymore about the car. I'm irritated. When it gets back to Billy, he discovers the towing company must have allowed the car to bottom-out and it broke my struts (which now also have to be repaired). Then Billy is finished with the repairs. However, when he hooked it up to GM's diagnostics, it said I had to have a front-seat passenger-side seatbelt replaced, too. Without that replacement, my airbags would not deploy if I had another accident. So what does Allstate do when they get the supplement invoice for that plus the damage the towing company did to my car enroute back to Lawton?
Allstate calls Billy and tells him they are now going to total my car. It's called an economic total. Uh...are they crazy? They have to pay Billy $8,500 dollars for the repair work he's already completed. All that was necessary to put it on the road was a mere $200-dollars for the seatbelt. Instead, they are going to pay Billy his money and offer me $9,007 dollars for a car that is selling for nearly $12,000 dollars plus tax and licensing. So instead of giving me the $12,000 from the beginning and settling on the totaled car, they are paying out nearly $23,000.00. Yes...TWENTY-THREE-THOUSAND dollars to settle the collision claim. And I am out a good quality car and must pay out of my pocket for a car that was paid off and spend who knows how long finding one. I could have bought a Prius with 23,000 dollars, for crying out loud. (And you wonder why insurance companies charge so much for insurance, eh?)
When Allstate called today, their adjuster apologized for the roller-coaster ride I've been on. Chad--the adjuster, told me that "this claim has been terribly mishandled from the beginning". No, duh. The arrogant Ruby (who told me to submit my claim to my own insurance company if I didn't like the way Allstate was handling it), is no where to be found. Yet, I'm suppose to accept her "conditional value" offer for my car when she couldn't even determine it was totaled in the first place???????
Let me ask you, folks. Should I believe this company when they chant "You're in Good Hands with Allstate"? Should I believe they will handle my medical claim any better than they have this vehicle claim? I already know they are "investigating" my medical claim because I am seeing a chiropractor for the pain in my neck and back. Will they figure out a way to dismiss my anxiety, sleeplessness, pain and suffering when they settle that claim? Are they going to find something wrong with my medical bills in their "investigation" of my claims? Who knows? Only time will tell.
I'm glad the Lord is on my side, I know I'm in good hands with Him. Allstate on the otherhand? Not so much. Just saying. selahV
My husband and I are to truly live day by day, trusting the Lord in all His Sovereignty. Some folks don't have to do that. I don't know why. I really don't. They not only have their needs met, they have an abundance to do whatever they want to do--spend it on big cars, boats, fancy houses, vacations, and designer clothes. Not us.
We have the same old 1994 van we purchased back in 1999. No fancy home. No vacation in over 20 years. And anything designer is what I happen to come across in my scavenger hunts at Goodwill.
When my husband suffered his heart attack that has forced us to take early Social Security, it really hurt us financially. He had hoped to hold out till he was 66 so he could get full benefit. As life would have it, we will now lose over 200-dollars a month because he couldn't wait. Then we had this grand idea to also tap into the pittance of an annuity we managed to accumulate the last 9 years of his ministry. And low and behold when we began the process three weeks ago our portfolio (is that what ya call it?) lost over 10,000 dollars. Gotta love the DOW and the foolishness of indebtedness.
What once was a booming fast-growth "nest" egg, is now a bit cracked. So, what does one do when faced with a drop in income of over 1,500 dollars a month with an increase in expenses of over 1,000? I don't know. I really don't.
But one thing is certain. I don't have to know. I don't need to know. If I did, the Lord would tell me. And since He hasn't provided any clear answers I get to rest in the fact that His grace is sufficient to meet my needs.
What "nest" I've set among the stars is in His keeping. If He wants to bring me down from what I'd thought was my security, then so be it. If the comfort I found in knowing my husband was a healthy man is replaced with the knowledge that he will never be what he used to be, then so be it. If my health doesn't improve enough for me to get a job, then so be it. For what the Lord brings down, He can also raise up. And should He desire to keep me in the wilderness of wonder, then I can count on Him for the manna each day. I suppose that is how my journey will proceed.
And after all, we aren't promised tomorrow anyway. Only today. What a way to live! Don't you think this is rather exciting? I do. selahV