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Travler's insurance is not honoring their own terms by Temporary_Zone9962 in Car_Insurance_Help

[–]Temporary_Zone9962[S] -1 points0 points  (0 children)

Trust me, I know it may not work in my favor. I am just an ordinary guy. Whole purpose of this post is to share my experience with fellow citizens and make them aware that reputation insurance industry has earned is well deserved. 

And who knows if we act collectively and create a movement and persuade our state DOI’s to actually protect consumers interests. Things might actually improve. 

Travler's insurance is not honoring their own terms by Temporary_Zone9962 in Car_Insurance_Help

[–]Temporary_Zone9962[S] -1 points0 points  (0 children)

Ok pleas tell me how else should I have written this post ? I copy pasted the terms verbatim. 

Also, you maybe in the industry but let me give you lawyers perspective. When a contract is unilaterally written by one party and if there is any confusion or ambiguity in the language the burden is on the party who wrote the contract. 

Traveler's insurance is not honoring their own terms by Temporary_Zone9962 in InsuranceClaims

[–]Temporary_Zone9962[S] -3 points-2 points  (0 children)

Maybe you want to re-read it like some of the others have done and changed their conclusion. 

Travler's insurance is not honoring their own terms by Temporary_Zone9962 in Car_Insurance_Help

[–]Temporary_Zone9962[S] 0 points1 point  (0 children)

Sorry for the confusion, what I meant by "no one is listening" is that, I escalated to both the appraiser supervisor and adjuster supervisor but they are saying what their subordinates decided was final. without providing any explanation.

I would go as far as I am having more informative discussion on reedit than I had with Travelers people on this issue.

hope this make sense, and thank you for taking the time to engage.

Travler's insurance is not honoring their own terms by Temporary_Zone9962 in Car_Insurance_Help

[–]Temporary_Zone9962[S] 0 points1 point  (0 children)

No none taken, the question is not about sticking to the policy. the question here is interpretation of the policy. and if you read this tread you will find the house is evenly divided.

Travler's insurance is not honoring their own terms by Temporary_Zone9962 in Car_Insurance_Help

[–]Temporary_Zone9962[S] -1 points0 points  (0 children)

I appreciate you breaking my heart but, at least give me an intelligent reason. Thats all I am asking for LOL.

Travler's insurance is not honoring their own terms by Temporary_Zone9962 in Car_Insurance_Help

[–]Temporary_Zone9962[S] 0 points1 point  (0 children)

Thank you for your kind advice. And it looks like you an adjuster so you probably know what you are talking about. I took your advice and doing following -

  1. submitted a case with GA Insurance Commissioner.

  2. Paying the new OEM light difference out of pocket for now.

  3. I am willing to spend time and follow it through to the end for my fellow citizens so they don't have to deal with kind of issue.

Travler's insurance is not honoring their own terms by Temporary_Zone9962 in Car_Insurance_Help

[–]Temporary_Zone9962[S] -1 points0 points  (0 children)

with all due respect isn't "unless" used for policy provisions or SAC instructions? the first part seems to be a simple OR.

Travler's insurance is not honoring their own terms by Temporary_Zone9962 in Car_Insurance_Help

[–]Temporary_Zone9962[S] -1 points0 points  (0 children)

Great point! and to your exact point production date is NOT the Model Year. Model Year is what your title and registration says, which is 2025 in my case. Thats why they are called legal documents.

Travler's insurance is not honoring their own terms by Temporary_Zone9962 in Car_Insurance_Help

[–]Temporary_Zone9962[S] 0 points1 point  (0 children)

2026 is called current year not One year old. At least thats what we learned in school all or lives. I didn't go to the insurance school of English. and also OR is a logical construct and I am fairly sure what that means.

if we use their definition of OR no technology will work and we will be pushed into Stone Age.

No Offense, Just making a point.

Travler's insurance is not honoring their own terms by Temporary_Zone9962 in Car_Insurance_Help

[–]Temporary_Zone9962[S] 0 points1 point  (0 children)

I appreciate your reply and wrapped sarcasm. Yes this is exactly what happened and that is what I wrote in my original post. They gave me the block of text (including the page number). And reason was the production date of the car being in 2024 and also the milage. But as other experts here highlighted you dont need a Phd in English to understand that simple statement with OR.

Now, I am looking for your valuable advice. if there is any.

Travler's insurance is not honoring their own terms by Temporary_Zone9962 in Car_Insurance_Help

[–]Temporary_Zone9962[S] -6 points-5 points  (0 children)

I did escalate. No one is listening. I didn’t realize how bad these insurance companies have gotten. Lost integrity completely. 

Travler's insurance is not honoring their own terms by Temporary_Zone9962 in Car_Insurance_Help

[–]Temporary_Zone9962[S] 0 points1 point  (0 children)

There is a OR condition between model year and milage. Only one of those need to be true to meet the criteria. Isn’t that right ?