I'm still amazed that people that don't to at least TRY for DV.
My STi was hit on i95 last year in a multi-car wreck (you can see my build thread for details if you care). Long story short, after 17k worth of damage and 2.5 months I got my car back.
I pursued DV since I was found not at fault, but the guy that hit me only had state minimum coverage in the state he was from, NC, which is 20k of personal property damage. There were 2 other vehicles in the wreck, and my insurance company was only paid 12k for the damages. We used my insurance to fix the car for various reasons. They were pursuing action to dock his wages or some form of settlement to make up for the 5k. Since they hit his policy limits, his insurance company refused to pay any more.
After working with my insurance company, I got them to agree they would pay me DV under my "under insured / uninsured" motorist coverage (coverage of up to 50k per claim) since I could not get anything more out of the person who hit me. We settled a number we were both happy with, and they tacked that onto the 5k they were going after the person that hit me for. While the guy that caused the accident was really nice and didn't fight taking the blame, he got totally screwed from this. BUY GOOD INSURANCE PEOPLE!
There is no one solution for DV, but persistence is key. I talked to my insurance claims rep almost daily for 2 months to get it. While always polite, I was very adamant on my stance and she was great to work with. At the end I sent a nice hand written letter to her supervisor and she got a promotion. I use Travelers and because of this claim I will continue to do so as they always provided great service.
My STi was hit on i95 last year in a multi-car wreck (you can see my build thread for details if you care). Long story short, after 17k worth of damage and 2.5 months I got my car back.
I pursued DV since I was found not at fault, but the guy that hit me only had state minimum coverage in the state he was from, NC, which is 20k of personal property damage. There were 2 other vehicles in the wreck, and my insurance company was only paid 12k for the damages. We used my insurance to fix the car for various reasons. They were pursuing action to dock his wages or some form of settlement to make up for the 5k. Since they hit his policy limits, his insurance company refused to pay any more.
After working with my insurance company, I got them to agree they would pay me DV under my "under insured / uninsured" motorist coverage (coverage of up to 50k per claim) since I could not get anything more out of the person who hit me. We settled a number we were both happy with, and they tacked that onto the 5k they were going after the person that hit me for. While the guy that caused the accident was really nice and didn't fight taking the blame, he got totally screwed from this. BUY GOOD INSURANCE PEOPLE!
There is no one solution for DV, but persistence is key. I talked to my insurance claims rep almost daily for 2 months to get it. While always polite, I was very adamant on my stance and she was great to work with. At the end I sent a nice hand written letter to her supervisor and she got a promotion. I use Travelers and because of this claim I will continue to do so as they always provided great service.
