Help Needed-Night Post · 2:48am Mar 5th, 2017
So, I opened my mail today and found a letter from State Farm... The sweet and short of it is that my insurance is only covering half of what the damages were from a accident in July 2015.
That makes me responsible for 5,590.70$
That is... Such a very big number...
I'm going to be writing every day updating at least two things a week in addition to my comissions. But, I could really use help... I don't want to do go fund me... So, instead if I could urge any of you to pledge to my patreon? I charge by story/chapter posted. So you only pay for what I have done. I'll even have special things like the ability to see the story before it goes up. You vote for the next idea. And weekly polls of what story should be updated next!
I-i'm desperate. This alongside with trying to move across country... it's too much. So, please... please I need the help...
Thank you
my blog today. i will mention this in the Cafe as well.
Why are they only covering half?? whats the point of the insurance then. Did they say why?
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I didn't have enough liability... Always... ALWAYS have liability!!!
Ok, for starters, this is State Farm. They have the *worst* record on claim payment. You really need to contest this. Kick up a fuss. I presume this is an auto accident, so you should call the claims adjuster. Get a *full* description of the contested event and the claim. Be firm but not annoying. If you don't get a positive response, ask to talk to their superior (yes, it's trite and used, but works). Insist on your rights. You bought insurance, dammit, to cover this kind of problem. It's cheating, but don't be afraid to sniffle. Insist that you're not paying *anything* until this whole thing is resolved to your satisfaction. Nothing. Not a dime. It's their responsibility. Don't let them get a bank account number. Don't write them a partial check. Watch Dave Ramsey's video on debt collectors.
Remember, they can't force you to write them a check. They have to take you to court for that, and for $5k they won't. Think of it as earning $100 an hour by being stubborn. Worst case, absolute worst, they turn it over to a collection agency and for that, they lose 50% of the value of the debt right there.
If you believe you are supposed to be covered for this, don't be afraid to tell them that you're going to turn in a claim to the State Insurance Commissioner. Then do it.
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I was told by my insurance that all involved had collision coverage and I had nothing to worry about. So i'll call my insurance tomorrow and talk to them.
I can up my pledge, hopefully commission something else, too.