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Old 06-27-2019, 05:52 PM   #1
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***CRASH*** Putting State Farm to the test...

Two nights ago I was in the back of my skoolie and someone hit it with a truck/trailer combo. There is damage to mirrors, metal, paint, and a slow leak under the engine.

My skoolie has been registered as MH and Automobile in California. I have it insured through a State Farm agent who was recommended on this forum.

The interior has been converted but the outside is still school bus yellow and the police officer kept using the word "bus" despite me showing them that legally it is not a bus and that there is an important difference.

The driver was unlicensed and was borrowing the vehicle and trailer to live in. I'm skeptical that the owner's insurance is actually going to cover this. I'm glad that I let Joe talk me into getting the collision deductible waiver and uninsured motorist coverage, as they are probably going to be needed. My skoolie is not safe to drive and will need to be towed to a specialty mechanic. The parts are going to need to be special-ordered. I will not be allowed to live in the skoolie at the mechanic while waiting for the parts, so I'll need a temporary place to stay. I will be missing planned travel for work, so I have lost income as well.

Fingers crossed that State Farm actually comes through on this and covers everything that they are saying they will, including a rental of similar size while mine is in the shop. I'll keep you all updated as this goes along...
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Old 06-27-2019, 05:55 PM   #2
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That sucks like Electrolux! Helluvathing...
Fingers crossed they're better'n a good neighbor...
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Old 06-27-2019, 07:01 PM   #3
Mini-Skoolie
 
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Update: it's Allstate, not State Farm. They are telling me that it could be 30 days or more to get an answer about the other guy's insurance.
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Old 06-27-2019, 07:11 PM   #4
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30 days??? He or his "friend", either has insurance coverage or doesn't. Definitely should not take 30 days to find out!!!
Is CA a "no fault" state?
Sorry to hear of your dilemma, and good luck on the resolution...
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Old 06-27-2019, 07:47 PM   #5
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The issue apparently is that the owner of the truck/trailer uses multiple phone numbers and currently is not answering the one that their insurance company has. The insurance company refuses to accept or deny liability without speaking to the policyholder.
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Old 06-27-2019, 08:13 PM   #6
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Hate to say it, but chances other the other insurance company won't pay, which will mean your insurance will have to pay and go after them. Reason being the moron driving was unlicensed, which they use as cause not to pay the claim.
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Old 06-27-2019, 08:13 PM   #7
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The scuzz bucket was undoubtedly warned by his chum, so isn't answering that particular burner fon...
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Old 06-27-2019, 08:20 PM   #8
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Quote:
Originally Posted by HazMatt View Post
The scuzz bucket was undoubtedly warned by his chum, so isn't answering that particular burner fon...
And after being warned, telling his numbnutz buddy who was driving...
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Old 06-27-2019, 08:45 PM   #9
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Some states would actually go after the registered owner for allowing an unlicensed operator to operate their vehicle.
Probably happens way too often in CA for DA's to prosecute?

It is actually SOP for an insurance company to talk to their policyholder before acting on any claim, so be patient. If nothing happens by tomorrow, a call back to your ins. carrier to get a rental going should be in order, as you do have uninsured coverage...
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Old 06-27-2019, 08:51 PM   #10
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this is a tough one... did you open a claim on the other insurance company direct or go through yours? this similar situation happened to me years ago with a car.. other insurance company didnt want to pay because the insured wasnt driving the vehicle that hit me.. his policy was designed only for the owner to drive..



the owner of course said "I have no idea why he was driving.. its unauthorized.. he shouldnt have been"..


these tactics create delay.. so of course I needed my car back so I had to pay my deductible and have my insurance company with their big fancy lawyers go tear these 2 up..



it was months before i finally got my deductible back...(my ins company finally beat theirs in court and so I got my deductible back)..

-Christopher
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