Repwest Insurance Uhaul's insurance company Acceptance of property claim. Then denial . Then acceptance again of claim for humilating amout Phoenix Arizona

I am not saying you do or do not have a valid claim, but your claim does appear to have some issues you need to think about. As it seems to fall apart from this one statement.

After loading up trailer and proceeding to head up north to our new residence approximately 3 miles into the trip on the freeway the springs on our jeep broke as well as overheating of the engine and throwing a rod as well.

First THEY did not load the trailer, the trailer was loaded by YOU. Your Jeep did not fail until after you loaded it.

It is very possible that the Jeep was sufficent for the trailer as attached by UHaul and they would not see anything out of the ordinary.   However, just because a trailer is "rated" to a certain weight doesn't mean you have to load it to that weight. YOU are still responsible to make sure that the total towing weight does not exceed your Jeep's capabilities. It appears that both you and your wife may have been unaware of the capabilities of your Jeep. Where you should have found out and verified the towing limits before continuing.

As an example. If the towing capacity was 2,500 lbs and the trailer weighs 2,000 lbs then there is nothing negligent from UHaul as it was 500 lbs under the rated capacity. Now, if you then load up 600lbs, YOU by your actions have exceeded the maximum weight.

The second issue is the overheating. Again engines don't go from totally fine to throwing a rod in a few seconds unless there is some underlying mechanical issue that would be hard to blame totally on UHaul. Yes the towing could have been the "last straw", but that doesn't mean that they were negligent. One other thing you have to think about is how were you excellerating on the freeway. If you were treating your Jeep like you had nothing attached that could have taxed the engine too much.

Again, I'm not saying they aren't liable, just that you trying to prove that they are liable is not as cut and dry as you seem to think.  If you do end up in a court situation the judge will most likely want to know everything that was mentioned here.  Such as what is the capability of your Jeep, what was the trailer specifications, what was the weight of what you loaded.  What were the circumstances on the freeway(Speed, Grade..etc).

They offered you 1,500 for what they feel is their liabiltiy, and as stated you are free to sue if you think you are entitled to more.  If you are going to pursue it make sure that you don't sign anything stating you waive all further claims.

BBB Ratings overall are meaningless because the BBB only serves its members and no one else, and especially not the consumer.  A well known company in Florida had over 630 complaints with the BBB in a 36 month period.  Their rating?  A-.  This site advocates against the BBB in most cases, so bringing up this organization is kind of meaningless.  Additionally, complaints against an insurance company are filed when someone gets denied a recovery.  The fact someone is denied a recovery, would not make complaints against an insurance company for services rendered as valid.

I just laid out the facts as they are.  No one who comments has any stake in either U-Haul or their insurance company.

But you do ask a question that should have an answer.  Should they be the experts?  Perhaps.  You could certainly try to sue them for negligence in small claims court for the damage to the jeep, but I have my doubts that you could win because there would be more than sufficient doubt as to whether the trailer was the proximate cause for the engine throwing a rod.  On top of that, I can see U-Haul arguing that as someone with a hitch, you should also have some expertise in the matter.  Having said that, if you were to file, then you might get the insurance company to "reevaluate" and maybe toss some more money your way.  Or not?  For the insurance company evaluating the situation, they would argue U-Haul would not be at fault regarding the jeep simply because there is not a policy in the world that would not exclude the vehicle in that situation.  Now, they reimbursed you for $1500, for the costs I already described that they believe they're liable for with the vehicle excluded.  You could sue for the remainder?

Best of luck to you...

 Have you seen this companys better business bureau rating? Maybe you outta check it out before you start protecting them. I sure hope you dont have stock in this company. Or.. on the other hand probably not a bad idea. Since they basically deny all benefits anyway.

 But isnt Uhaul the experts here? Because my wife sure isn't.. As BIG as they are one would think or hope they have some kind of program (computer) expert or red flag waver saying "ahhh that trailer is way to big and heavy to tow behind your jeep not to boot the weight rating on the reciever hitch and ball says it so as well. Be kind of like buying a car at dealership a family of 8 show up looking to buy a new ride for the family and the salesman trys to push and sell them a 2 seater sports car cuz say he make a fat commisson check of it. Not at all practical for the family of 8. Ya think??? All im trying to say is my wife knows nothing about towing weights and what our jeep will and will not tow. All she knew is that time was of the essence and we neeeded to get the rest of our stuff out of our old house. Sure would be or in this case would of been nice to know a supposed nationwide million or probably billion dollar business would be able to say hey we cant rent you that size of trailer. Whys that? Because first of all your receiver hitch is not rated for it. Oh ok thanks. Then what size is? Not just hook it up off you go and thanks for your business.

 But isnt Uhaul the experts here? Because my wife sure isn't.. As BIG as they are one would think or hope they have some kind of program (computer) expert or red flag waver saying "ahhh that trailer is way to big and heavy to tow behind your jeep not to boot the weight rating on the reciever hitch and ball says it so as well. Be kind of like buying a car at dealership a family of 8 show up looking to buy a new ride for the family and the salesman trys to push and sell them a 2 seater sports car cuz say he make a fat commisson check of it. Not at all practical for the family of 8. Ya think??? All im trying to say is my wife knows nothing about towing weights and what our jeep will and will not tow. All she knew is that time was of the essence and we neeeded to get the rest of our stuff out of our old house. Sure would be or in this case would of been nice to know a supposed nationwide million or probably billion dollar business would be able to say hey we cant rent you that size of trailer. Whys that? Because first of all your receiver hitch is not rated for it. Oh ok thanks. Then what size is? Not just hook it up off you go and thanks for your business.

The trailer was way to much weight for our jeep as well as way to much weight for the rating on our receiver ball hitch.  Did you noitice this prior to embarking on your journey, or after the car broke down?  Perhaps a trailer was the wrong way to go and a small truck or van would have been a better option for you?  Did the hitch break as well?

After loading up trailer and proceeding to head up north to our new residence approximately 3 miles into the trip on the freeway the springs on our jeep broke as well as overheating of the engine and throwing a rod as well.  The problem is that when an engine throws a rod, it is generally caused by a lack of oil in the crankcase.  Now, can you prove an overloaded trailer caused the engine to throw a rod?  Probably not.  The oil likely leaked out causing the overheating and the engine's rods to violently exit the block.  Could that have happened through simple driving?  You bet - has happened to me a few times.  That's the problem with claiming the jeep's engine.  You have a slightly better case with the springs, but you still wouldn't be able to prove it.  So when the adjustor says the jeep was likely too old....he's basing it on the fact that hauling the trailer would have stressed the jeep but not to the point of throwing the rods or busting the springs.

Since Uhaul is negligent for renting the trailer to my wife in the first place.  Or not....  So far, all I read in your narrative is remorse for renting the trailer; if you have documentation showing you objected to the trailer rented before embarking on your journey, that's quite another thing, and you should take them to small claims court over it.  Otherwise....it would be hard to prove negligence.

Well knowing this my adjustor said we are still gonna push this through for you. Geez thanks!!! And I said for what amount is this for? He said $1500?? Are you serious?  That sounds about right.  The jeep's issues would be totally and completely excluded from the calculation.  So far, I can see the impound fees and the additional $250 to get them out, plus a few other items I'm sure, based on your narrative.  Reversing the ongoing charges from U-Haul, would not be a part of the $1500, but would be refunded directly from U-Haul and would not be included in the payment from insurance.  At least that's the way it should work.

I don't know if I would classify the experience as humiliating.  You sound incredibly disappointed the jeep was considered at all as an item for which they should have picked up as part of the insurance, and that you paid extra for additional coverage.  The problem is when you pay additional amounts for insurance; many of the same exclusions covering the vehicle hauling the trailer would still exist.  Best of luck to you....

 Once again we see this society's sorry activity...BLAME EVERYBODY ELSE! The towing vehicle was OWNED BY YOU. The installed hitch was OWNED BY YOU. Therefore...it is incumbent ON YOU to know the design limits of YOUR OWN PROPERTY! As per YOUR words...YOU exceeded the design limits of YOUR own equipment. End of story!