If anyone is thinking about having Harford for their insurance company, think again. I was in a car accident for the first time in 35 years. I was sitting at a red light and was rear ended. I did drive a 1993 Miata, hit by a pick up truck, you know the kind, 4x4 f150 with cast iron grate on the front. Since I did not get help from the drivers insurance that hit me, I decided to go to mine. Big mistake !
When I signed up for Hartford insurance, I told them I wanted full coverage, towing, and rental car. Unbeknown to me,,,there is different level of rental car insurance, and my towing only covered 50.00. I had discontinued AAA, because I was tired of paying for two towing policies. Another mistake.
Since the other insurance company will only give you an additional 3 days coverage after they have made their offer. I went to hartford for the additional rental car expenses, since I did not have a vehicle any longer. [continued below]....
..... Now I was advised I only had 20.00 a day rental coverage. Enterprise does not have any cars for 20.00 a day. So now I am having to pay 10.80 a day out of my own pocket to have a vehicle. My claims adjuster wanted to know if I wanted to try a different Enterprise office, at a different location. I ask her, what difference that was going to make since they do not have vehicle rentals for 20.00 a day. I was told by my claim adjuster that it was my responsibility to read my policy and make changes accordingly. I repeated that I was not advised of this at the time I was issued the policy. Again I was told it was my fault.
Now trying to get my vehicle repaired. I was told I only had 50.00 (again was not aware of this until now) towing, and if I had the car towed to the body shop it would come out of the cost of having the vehicle repaired. I was asked by Harford if I could drive the vehicle to the repair shop. I told them I was not going to risk getting a ticket, because there is no tail lights. So the owner of the body shop drove the car with someone following him to the body shop. Of course the repairs are going to cost more than the Hartford was willing to pay. I do not have the extra money to pay for the additional repairs. I was laid off in October, I am living on 200.00 a week unemployment, and am going to school full time. The Hartford doesn't get this either.
Now you have got to understand, I am the original owner of this vehicle, it was in perfect running condition, and planned on keeping this car the rest of my life. I told the claims adjuster I would not drive anything other than a Miata in the same condition. The only replacements I have found of course are on the east coast. I was advised today March 27th, 2013, that out of the kindness of her heart, she would extend my rental vehicle until Monday April 1st, 2013. So now I have 5 days to find a vehicle, in between going to school, and oh yes Easter is in the equation also. I advised her I was not driving a junker that I had to worry about repair bills. I was advised that this was life, and I needed to buck up to the plate and take action to find a vehicle, any vehicle. They are giving me 4759.54 for my vehicle. The closest I have come to finding something comparable is 5995.00. I told the adjuster I should not have to drive anything that is not comparable to what I had. She was going to hang up on me, until I stopped her to ask for her email address. I sent her two emails, one with the comparable vehicle, and one email with my exact same car for sale on the east coast. I wonder how many days it will take her to get back to me on my emails. I am sure it will be past April 1st.
I was then told I was sent an email with a link to auto dealers in my area for comparable autos. I did not get the email with the link. I ask her for the email address. I tried the one she gave me thehartford/replaceyourcar.com. This website does not exist. When you put in website address, it comes up with cars.com, autotrader, etc. Which I have spent going through for hours at a time for a month.
I have had injuries due to this accident, but have not been able to really deal with them, because I spend my one day off a week dealing with Hartford. I was told by the claims adjuster today that this process would not of had to take so long if I had not just taken what they offered, and I was the one making this difficult. I was suppose to do what I had to do, and move on. Instead of dragging this out. Are you kidding me ? I hired these people to look after my best interest, and they have not done it.
I would like to know what we do pay for insurance for. Why not do what others do, and pay for the ticket without insurance, and go oh well ! They don't protect their clients, or make sure they are satisfied with a different vehicle. No,,,we have to do all the leg work for them, and have a melt down in the process, with juggling everyday life, and the pain someone else has caused you. The insurance companies add to the pain and suffering, not to help you through it. I can't even deal with my medical issues, because I am dealing with them all the time, and playing phone tag for days.
After paying insurance companies for 45 years, they owe me a new vehicle as far as I am concerned.