Okay, its venting time. If anyone has any help they can offer for how to deal with insurance and such, let me know, please.
On with the show…
Since the car got broken into I’ve made 2 insurance claims- one on the vehicle itself, and one on the possessions inside of the vehicle. The second claim was made on homeowners insurance because my auto insurance doesn’t cover the contents of the vehicle (common practice). I also turned down radio/electronics on my auto insurance because the maximum that they will reimburse is $250, same as my deductible.
So last week I spoke with the homeowners claims adjuster who had me make a list of everything in the vehicle, model numbers, and cost. No problem, I can furnish almost all of this because I keep a ton of records on that car.
After a week of not hearing from EITHER of them, I call the auto insurance first. Apparently douche bag adjuster scheduled two appointments and failed to appear at both, though it was stated that he went to one (but without numbers, uhhh no). My body guy is PISSED because he can’t move my car and get new work in while housing my non running vehicle in his garages. He’s not mad at me, but is furious with Allstate. I call Allstate Auto today and the rep at the center is surprised that this has happened since two appointments were made and neither are technically fulfilled. She puts me on hold for the better half of 10 minutes and then comes back to me saying that the adjuster will have consequences and that it will be seen tomorrow morning first thing. I told her no, it needs to be assessed today. She said she doesn’t want that agent assessing it so it’ll be tomorrow. Lovely. I’ll update with that answer.
Call #2 to Homeowners Insurance- I get my numbers, receipts, etc all ready. I do the whole recorded statement to truth just to have her evaluate my policy, read over it, and tell me JUST NOW that my homeowners doesn’t cover “any recording or play back device capable of using the mediums of cassets, discs, digital media, or motion pictures inside of an automobile, boat, or other land or amphibious vehicle.” IT TOOK A GOD DAMNED WEEK TO TELL ME THIS?!@!?!? FUCK! You wasted a half hour of my time that I left early from work, cellphone minutes, and insurmountable mental anguish. The tools are covered, but the value of them is less than my deductible.
I’ve said it once, say it again, INSURANCE IS BULLSHIT.
I swear…if they total my car…