as a follow up to the wheels that were pilfered from my yard, my insurance carrier called me this morning to rehash the issue. As always, they go out of their way to make YOU feel guilty and basically work their spin to figure out a way to give you as little as possible...

I think i heard the phrase "there is a 500$ deductible..." at least 5 times....She asked how much the tires were....
my response :"IIRC about 140$ new..."
insurance co: " lets see, that is a little less than 600$, do you realize that you have a 500$ deductible"
my response: "I understand both statements, but as i reported, there were wheels with the tires so it is not 600$"
insurance co: "what type of wheels were they?"
my response: " original OEM Audi wheels. They came with the car when I bought it"
insurance co: "have you checked the local pawn shops and hubcap locations?"
my response: "no...am i suppose to drive around and do that??? I am looking at Craigslist and Ebay"
insurance co: "well, you know that someone stole them for money most likely..."
my response: "not sure that me going on a wild goose chase all over fairfield county looking for my wheels is gonna help anything....
..........

and so it went....mind you i have NEVAR EVAR had a claim on a homeowners insurance policy in my 20yrs of owning property.......

I guess my overall pessimism of the insurance industry continues to get re-enforced...

Rant over..

 

"Money for Nothing"?

That, my friend, is the insurance industry in a nutshell.

 

Stay on top of this H. They will back down. This is their 'step 1'.

 

Insurance company azzhats.

 

I have Allstate, and a few years ago someone cleaned out my entire garage. Broke the lock off the door and took all my tools, air compressor, etc.

Alstate asked for an itemized list, which I put together, with Sears part numbers. They then looked each item up and cut a check. I verified their prices matched the Sears website. Then I went and bought new tools in large sets, thus replacing everything with cash left over for a bigger air compressor and a rolling tool box.

Not sure who your insurer is, but like Robert said, stay on it. They'd rather cut you the check than argue for too long.

 

were you talking to Ed?!

 

and do your own detective work in regards to finding the lost wheels?

 

it would come across that way.....thought it was kinda strange...but never been through one of these before

 

My car had gotten backed into outside my place a few years ago after a neighbor had a huge party. When the cop came, he was too eager to be on vacation after the call that he mis-drew where my car was in the parking lot on the police report. The result: an impossible scenario for my car to get the damage it did, which also resulted in them making me feel like even more of a criminal until I had the guy revise and resubmit his report. After that, the deductible was waived because it wasn't my fault. They insisted that the body shop reform sheet metal rather than replace with new and pretty much screwed him.

...then they canceled my policy.

I agree that insurance companies are so difficult to get anything out of and they'll always try the cheapest alternative. If you're having this much trouble already, I can only guess that they'll want to reimburse you for market value of used wheels... or at the least, try and replace them on their own with used or replica wheels.

I feel for ya. Good luck!

 

The word of the day is LOWBALL..