The recent trouble we had with our van was compounded last weekend when the suburban we bought on Tuesday was crushed by a tree on Friday. It seems the insurance company was not enthused that the car we bought to replace the totaled van was now totaled as well. I’ve been learning a few things about this unique situation that might help others deal with insurance situations.
Things I am Learning about My Auto Insurance
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1. My agent is a salesman. He does not handle the claims and doesn’t have much to do with the claims. It would be helpful to me if I knew someone in the actual claims office.
2. You can not sell what you do not own. That means in Alabama the title from the purchase of the vehicle must be sent in and a new title issued under the name of the new owner (up to six weeks according to the title office).
3. It is not my insurance companies fault that the car was totaled just days after I purchased it and although they WILL provide a rental car for up to five days after the car was declared totaled they will not provide one until the new title is issued (and I can’t buy a new one until the check from the insurance company is deposited which will be issued when the title arrives).
4. Dealing with another insurance company can be easier than dealing with your own. I did not ask a tree to fall on the car but apparently I am still somewhat responsible.
This is not going to be fixed overnight but at least it gives us time to see if a new vehicle really is necessary for the daily functioning of our lives.