Quote:
Originally Posted by Paperbackstash
Thank you, I'm mainly losing hope but my mom wants to try calling some more people for help today.
Since the car was never towed out to another mechanic, the adjuster was there with the men who worked on the car showing how it was a situation with the engine and not mechanical error. Of course they're all biased because they're on the same side.
They act like it's evidence seeing that there is oil all over the place and they said they can tell the problem has been building up awhile. ??? This is the first we've heard of any of that.
Before the shop did the repairs, they showed my parents what they would be working on with the hood lifted and the engine was clean then with no oil issues.
EIther way the adjuster sent us the written denial in email at my request. He said it is found to be from normal wear and tear from the head gasket. This wear and tear didn't exist according to the mechanics before they did work on it, but whatever. And the dealership who almost got the car for review before they stopped the towing process told us that an inspection they would do cannot tell when an engine blew for sure if it was in the same week period (such as Monday versus Wednesday, us bringing it in versus after they worked on it), but apparently these insurance adjusters are super agents who know everything without any evidence, and the mechanics can claim whatever they want beforehand, and afterward, and not get into any trouble for it.
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The insurance company must have an appeal process. I mean...what you've described is, by and large, how
some insurers operate. They decline a claim pretty much upfront (like health insurers with big health costs for a given patient) and then wait for you to appeal it, delaying as long as they can, or making it so difficult to get your money that you give up.
Have you checked their written denial? Typically it mentions if there's an appeal process. If that doesn't have it, look up the insurer online, and find an executive, or 10 execs and write to all of them. Harass them. Seriously. (Not outside the bounds of legality, obviously.)
If you're on social media...I'd consider ramping it up there too. This is a pretty damned outrageous story.
Hitch