If you don’t remember the back story for this post you can read here.
So, as I left off the person who hit my car was claiming no fault and the insurance companies were trying to figure out who owes for what and I was trying to get the valet to call my insurance agency back. Well, once the valet called back and gave a statement, the whole issue went to an arbitration hearing at the end of January (yes this lasted that long). After the arbitration hearing the arbitrator ruled the accident 50% the other person’s fault and 50% the valets fault. So basically I should be getting at least some of my money back, and I have! I don’t want to bore you with the (months) of details of how I finally got paid back, and but now that it is safely deposited in my bank account I want to share some lessons I learned so that hopefully none of you have to waste hours of your life on the phone with insurance companies (over this issue at least).
Lesson 1: If your car gets into an accident make sure a police officer comes to the scene and takes statements from both parties. In my case, I did not have much control over it because I found out after the fact that there had been an accident. The fact is that my insurance agency couldn’t get ahold of the other driver to take a statement, and she had given a statement to her insurance claiming that she was not at fault. If the valet had filed a report or taken pictures or called a police officer to take statements then the whole thing would not have been such a hassle because the hardest thing was tracking everyone down to get their statements.
Lesson 2: Make sure you have all information regarding the accident in your hand before you leave the scene. Luckily I did this. The valet and the hotel people were really hard to track down and I can only imagine how hard it would be to get them to send me the papers with the insurance information in the mail (or scanned or whatever).
Lesson 3: Get something signed that says you will be remibursed if going through the other person’s insurance doesn’t work out. For a few months, I was worried I would be out $800 dollars until the valet told me they would reimburse me. it would have been nice to have it in writing.
Lesson 4: Get the information to file a claim with the valet’s insurance company. Part of the problem was that I was never given this information to begin with and because the valet seemed so sure that the other person would be at fault, I didn’t really stress it. It is always better to have contact information that you don’t need than to need contact information and not have it.
Lesson 5: Seriously, just get everyone’s phone numbers. I cannot tell you how many phone calls I had to make to get reimbursed. In the end, it was worth it because I got paid back.
Lesson 6: Think twice before you hand over the keys to your car. I know there are a lot of cases where you can’t avoid having a valet park your car. If you can avoid it, then do. It is not good to have someone you don’t know or trust drive your car and even if your car gets in an accident and it’s not the valet’s fault, it is a huge headache to try to get everything sorted out.
Lesson 7: The final lesson is be persistent. Be annoying. Be angry if you have to be. I only really started getting serious action from the hotel when I started getting angry on the phone with the guest services manager. It is nice to be nice but sometimes being nice does not always get stuff done. I called the guest services manager, the valet, and my insurance company repeatedly until I heard what I wanted to hear. I knew that I was not at fault in this situation (obviously) and so I should be getting my money back one way or another. I just complained to everyone who would listen (including to Progressive service surveys. Do NOT use them as your insurance agency!)
Again, I hope this never happens to any of you fine people, but if it does, please learn from my experience!