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Old 01-29-2015, 08:33 AM   #29
Join Date: Jul 2014
Posts: 93
Oh wow...... this is insane!!

His insurance company called me about 20 minutes ago. After the call I got my insurance folks on the line and they called his to try to work this out. Let me explain:

They DID suggest what TQ60 above said they might. That I let him do the repairs because he thinks he actually can and use the old used parts that he wants to put in. I declined that for a number of various, very good reasons, all of which the Liability Specialist agreed are not unreasonable. She agreed that she wouldn't allow it either for the same reasons. She said she was going to talk to a supervisor and get back to me by the end of the day.

I called my rep at my insurance and told her about the call as I just mentioned (I gave her all the details, of course) and she wanted to get his rep on the phone with me for a conference call. I was put on hold while she tried to connect.

Well she did and they talked (I was still on hold) and then they disconnected and my rep came back on. His insurance company is actually trying to fix this. They said he's being difficult with them as well. So my rep asks his rep if there is a "problem" with coverage and we finally got that answer. NO, there is no problem: the accident IS covered under his policy with THAT vehicle and there is no deductible. This could be fixed immediately with no cost out of pocket to the managers.

The problem is, Bob is "demanding" his insurance company to not do the repairs and payout, despite the fact that he's admitted to them multiple times that he IS responsible for the damage. He insists he will handle this privately which means he'll put on the inferior parts himself. His rep then told my rep that she was just about to reach out to a manager for assistance with this.

So.... my rep says: 1) he has admitted fault numerous times, 2) he IS covered for the repairs/replacement at no cost to him. Huh.... so I asked her...."So why doesn't he want the insurance to cover it? That's why people HAVE insurance and it won't cost him anything." Her response was that he simply does not want to have an accident on his record with the insurance company.

Well... I think that ship has already sailed when he admitted he hit me, didn't it?

My rep said that he really has no choice in whether or not his insurance covers my awning and the damages so she is expecting which ever manager the other insurance rep talks to will say the same thing and they will make arrangements for the repair with an authorized dealership in the area.

My problem right now is that Bob is hanging around outside my trailer. As usual he's just walking back and forth a few hundred times, likely waiting for me to come out and fight with me over this.

I do need to leave. I have a 12:30 appt and I will then be gone the rest of the afternoon... I have PTSD and have tremendous fear of confrontation, and of men in particular (suffice it to say I thought I was going to die twice during a severe left side of the head bludgeoning that could have killed me instantly in 2012 - part of the reason I have PTSD in the first place). I'm afraid to go outside. (Yes, I'm on medication but it doesn't take away the fear.)

So.... anyway, that's the update. I'll take my pepper spray with me when I finally go out to get on my bicycle to leave. I do not have any kind of vehicle with an engine because my ex husband had my car repossessed in March 2012 so it won't be a quick get-away. The bike is locked to my leaf springs from under the trailer. It will take several minutes for me to get it all together and hit the pavement.

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Old 01-29-2015, 08:50 AM   #30
Join Date: Jul 2014
Posts: 93
Oh crap... he just came over and started fighting with me..... I'm shaking like a leaf. I've been threatened that I'm "hurting myself in the future".....

He claims he has a $1,000 deductible but I was told by the insurance company he doesn't. He's going to check on that..... he walked away really pissed off....

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Old 01-29-2015, 09:04 AM   #31
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I think you need to call the local law enforcement (police/sheriff) officials immediately and get them involved. Call your and his insurance company advising them of what he just did. Private property or not, threatening you is not acceptable. You've been more the patient with this person long enough; it may be time to play hard ball.
Ken in Nebraska
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Old 01-29-2015, 09:08 AM   #32
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On the phone with my insurance rep right now...we're trying to find an email for the property owners. I was told I need to let them know what's going on and I will forward a link to this thread if we can find it. I will also contact the police to have it documented as well once I get back from my appointment.... unless the police dept is close enough for me to ride to on my bike.
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Old 01-29-2015, 09:23 AM   #33
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Can't find the owners contact information anywhere on the internet under any of the names. Am printing out this thread (2 copies).

There is a sheriff's office next door to where I am going for my appointment. I will give them a copy when I go to see about opening a file for the threat.

The other will be sent in the mail (priority or overnight - haven't decided yet....probably overnight) to the owners in Washington State since I do have their snail mail address.

I hope to hell I'm not going to be told I need to move...I have no where to go, no money to go and no way to get there.
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Old 01-29-2015, 09:42 AM   #34
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I quiver with anticipatory delight for the next chapter in this intriguing saga. I pray you emerge whole angel.
Bob Retired Army Traveling alone now except for Charlie the Beagle.
2008 Camelot 40 PDQ 4 slides ISL400 towing a 2016 Dodge Ram 1500 4x4 Quadcab
Western MT in summer, AZ, NV in winter
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Old 01-29-2015, 10:37 AM   #35
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Okay this is out of control...

Insurance is okay so no worry there...for now.

Get law enforcement involved ASAP but CALMLY.

Print this thread as it is clear document.

Get photos of him pacing outside too.

Next asap is contact the state insurance regulator's office and ask them about his refusal.

I do not think he has any option...same as the convicted bad guy not wanting to go to jail because he does not like the food.

Remember on this call compliment tge insurance companies as they are working on the issue with a client that is a road block.

If state has a rule that supports you they can email it to you.

BTDT the state will provide you the support to then direct the adjuster to do their job.

Sometimes they fear loosing the customer and try to make them happy...you are not their customer...but rules trump the bs and when you pass along the information you advise that you already know who to call to make things happen if it is not settled RIGHT NOW while you are on the phone.

Provide name and number to adjuster so they can confirm your findings...they won't but it lets them know your gun is loaded with correct ammo...
Tony & Lori
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Old 01-29-2015, 10:44 AM   #36
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Also INSIST that due to the fact this is within the warranty period ALL repairs and service MUST be done PER MANUFACTURER RULES.

Read the fine print and they all state VOID if non-authorized work is done.


Be certian the adjuster understands this.

Also note that you expect the warranty to be extended for this period as most states have rules indicating devices not servicible during warranty will have tge warranty extended for the time issue reported until resolved.

That is for warranty covered events but here the issue was caused by others and it is reasonable to expect either an extension of warranty or a fixed plan.

Given the work required to resolve a stupid simple thing like this you may be able to get them to toss in something like unit warranty coverage or ??? Just to keep you happy...
Tony & Lori
1989 Country Coach Savannah SE
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Old 01-29-2015, 01:22 PM   #37
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Ok, folks...I have an UPDATE. I just got home from an appt so this is where we are now - after I am finished with this update, I will print this thread and go straight to the sheriff. From there I will come home and write a letter to the property owners to let them know the trouble I'm having and I will include this thread for them as documentation all of which has time and date stamps on every post so nobody can say I'm making any of this up. It is a play-by-play, minute-by-minute account of everything that has transpired.

That being said I have GOOD NEWS. His insurance company has a "Nationwide authorized dealer" 6 miles from me. They ARE accepting this issue regardless whether he wants them to or not. An adjuster will be calling me at any minute to make an appt with me to come tomorrow and measure, etc. for the parts needed for the repair, then they will be ordered and when they come in the awning will be repaired promptly. I will likely NOT get Carefree of Colorado parts but they will be NEW aftermarket parts AND all work and parts will be warranteed for 1 to 2 years. That is from the Liability specialist at his insurance company.

Now... when the guy comes (His name is Vince) I'll get more details on the length of the warranties etc. So.... that ball is rolling.

After my last post, MY insurance rep called the wife here (the manager) and spent 15 minutes trying to explain to her that they do NOT have a deductible as per their own insurance. The deductible they are so worried about only applies to repairs on THEIR OWN VEHICLE. My damage is covered 100%.
Not only did my rep explain this to her, but their own rep was also going to call and explain this AND they even got ahold of the guy who sold them the policy to ask HIM to reach out and clarify this with them.

I was told she "hemmed and hawed" that they don't understand why I won't just let them fix it. My rep went on to explain that it's the warranty that is most important. That should anything happen to the awning again, all I would have to do is make a phone call and it would be taken care of at no cost. She told the manager that a warranty is not something they (the managers) can provide me and that by putting in old/used parts, there is no guarantee how long they will last or work correctly. Even this was not well received. At this point my rep was asked if their insurance rates were going to go up. My rep told her that she didn't know, that was up to their own insurance company - also not well received but her response was finally "I guess we have no choice". My rep spent all that time trying to de-escalate the situation with the wife who was then going to "call Bob" and try to pull him back off the edge.

Now, of course, my problem will be what kind or retribution I will face for forcing them to do the right thing the way it should have been done from day one. I have no idea what "hurting yourself in the future" means.... but it scares the hell out of me.

BOTH his and my insurance company are aware of his threat. I told my rep who documented it and then she called his rep to let her know. Then when his rep called me, I also told her that I was threatened. His own insurance has it documented that he's been very, very difficult to deal with even for them.

So.. I wanted to go pay my rent NOW to see if they were going to say anything to me about getting off the property but both their cars are gone. I wanted to include any possible retribution or additional threats I might face with management in my letter to the property owners.

My rep and I were unable to locate a phone number or email address for the property owners so the best I can do is USPS. I think I'll wait on that particular letter until I pay my rent tomorrow just in case I need to include any more threats with it.

And I forgot to mention.... not only has he been making this much more difficult than it should be and dragging it out longer than it should have been, but then when he was here threatening me he also insulted me. He said my trailer (in very good condition except for the floor which I am working on repairing) "isn't worth $2,000."

Well.. I just bought it for $5,000 in September which is EXACTLY what the dealer gave the previous owner for it. (They did back out the tax for me though so the total with tax was $5,000). This trailer is all I have in the entire world. I own nothing. I barely have clothes. This is it. Nice way to make me feel better about every last thing I own in the entire world. This travel trailer was in storage for nearly the entire 11 years the previous owners had it. It was spotless, except for the subfloor in the kitchen. The oven had never even been used and nobody had any clue the extent of the damage to the floor until I tore up the linoleum and looked. Anyway.....

Then he starts spouting off about how much he's "helped" me.... um... I never asked for help. He started "helping me" because he was dragging his feet about my awning and trying to ingratiate me to let him off cheap. Didn't work so now I'm the bad guy I guess.

Apparently nothing anyone else owns is of any value to him. Must be nice to be so much better than everyone else..... salt in the wound, insult to injury.

I'll keep you updated on this saga until the outcome is final.
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Old 01-29-2015, 03:30 PM   #38
Join Date: Jul 2014
Posts: 93
Back from the sheriff's dept now. They do not consider what he said to me in a fit of rage to be "a threat". It's only innuendo. The nice cop at the desk did take my statement however and they will not be coming to "interview" him as I said I didn't want to make anything any worse than it already is but I did want it documented and filed. I have the cops business card and my file number on the back. He promised nobody would come down here or call them because I asked them not to.

He asked me if they tried to evict me yet and I said "no" but that I have to pay my rent tomorrow and he said that they HAVE TO take my rent. If they refuse or try to evict me I need to contact the owners of the property, explain the situation and ask them to handle it.

Since I just got home from the sheriff's office I checked my voice mail and that fellow who is supposed to come to measure and order my parts, etc, hasn't left a message yet so we can set up a date and time for him to come out. It would be an "on site" repair.

Now if you'll excuse me, I need to eat my weight in chocolate. LOL!
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Old 01-30-2015, 12:05 PM   #39
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Thumbs up

Friday afternoon now. I just got off the phone with the guy who will be coming out here to measure my damaged parts so he can order them. He will be coming out either late Saturday afternoon or sometime on Sunday but he'll call to let me know he's on his way. Sounded like a nice guy.

I had not heard from him yet so at just before noon today I called the insurance company to find out if maybe he had taken down the wrong phone number or something so they were calling him immediately to verify he had all the correct contact information for me.

This morning, too, I went and paid my February rent to the manager (the wife). Only small talk was made about the weather and I was in and out of there pretty quick. There didn't seem to be a lot of tension between us so maybe with my insurance, their insurance and the guy who sold them the policy calling to tell them they will have no out-of-pocket costs, they finally cooled down.

I imagine that even if their insurance DOES increase due to this accident, it won't be by very much. It's not like they totalled a car or two and there were massive hospital bills to be paid or "wrongful death" suits.... it's a pretty minor incident, generally speaking, for the insurance company to handle. So minor, in comparison, that it might not affect their premiums at all. Not that it's any of my concern, of course.

That all being said, I think that this case MAY be closed. If anything exciting or unusual happens I'll certainly fill you all in but I'm not expecting it at this point. (Who really knows though? These folks were exceptionally unreasonable so there's no way to anticipate anything.)

Thank you all for your support, concern, help, ideas and opinions.... it was truly an enlightening experience. I've never been involved in an accident before and had no clue how to handle this. Be safe out there everybody!!
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Old 01-31-2015, 06:10 AM   #40
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I am glad things have turned in your direction. I think what has helped most in this is the fact that you are a very articulate and thorough communicator, at least in writing here and I assume also in person. Your future might involve writing a book(Trailer Park Wars) or maybe a 911 operator...possibly a 911 dispatcher

Keep us posted on the final outcome
2004 Fleetwood Bounder 32W "Sheila"
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Old 01-31-2015, 01:38 PM   #41
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Thanks, Motor7. I actually DO have a couple books "planned" to be written. Maybe "Trailer Park Wars" could be a third!! People who have known me for many years have been trying to get me to write a book forever. This little trailer park war is actually a "snippet" of my life... the whole things been....amusing (?) to many people. Never a dull moment and, as with this little battle, I do nothing to create the problems. They find me.

I've always said I could be bound and gagged in a locked closet and somehow, someway, I'd find a way to get into trouble.

I guess the guy who will be coming to take the measurements and stuff isn't going to come today (of course it's still a bit early) but he said it would be either late this afternoon or sometime on Sunday. I'll let you all know how I like the new set up once it's all said and done.

Till then.... keep on truckin and be safe out there.
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Old 02-02-2015, 03:55 AM   #42
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Well... I THOUGHT things were going to be ok.....

I'm going to call the other guys insurance rep again when they open at 8 am this morning (Today is Monday). I just want to let her know that the guy they are sending out here to measure my awning and take down what parts need to be replaced never showed up OR called to say he wasn't coming. He was supposed to be here either late Saturday or sometime on Sunday. Doesn't sound very professional to me.

Not only that but they expected him to call me last Thursday and he didn't. I called the insurance rep on Friday and she had to call him AGAIN and he STILL didn't call me until about 3 hours after that call.

I just checked the BBB and they are not listed as an accredited business (I couldn't find any nearby that were) although there were no complaints against them.

I then checked the Chamber of Commerce and nothing there either.

I found two very good reviews from coach owners (one was 2 weeks ago, the other 7 months ago) and one bad one from 7 months ago regarding what seems to be a "lemon" golf cart bought from them.

According to the internet, there are new owners but it doesn't state when they took over. Furthermore, the guy who is coming out here isn't even a service technician - he's listed on their website as a "paint and body" guy.

The place looks like a nice, professional, clean and rather large company on the internet but I'm wondering if I should be worried.....

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