Dick and the Insurance lady
See bitch weasel. See Dick snap. Run, bitch, run!
Verbatim from Dick’s email to me tonight:
First thing that evil fucking bitch from Nationwide said to me was, “if your wife wouldn’t have hit our client, we wouldn’t have to do this.”
A second earlier I was in a pleasant conversation about the value of Kelly’s ’07 Eclipse. Yeah, the bitch pushed the wrong button.
“Excuse me?” I asked, not quite believing what I heard.
“Well,” she said, as if she wanted to test me, “your wife hit our client, which is what caused this mess to begin with.”
Mount Saint Helens had nothing on me. I fucking exploded.
“Excuse the fuck out’ve me? Did somebody fuck up and claim this was my wife’s fault, or did Nationwide get into the business of paying just for the fucking fun of it? Get me your boss on the phone. You’re a God damn idiot.”
Mr. Dick, you really don’t have to use that kind of language,” she retorted.
Her name is Crystal, if that matters. And yeah, her ass is gonna be famous if she keeps this shit up.
“Now, what about the car. KBB (Kelly Blue Book) lists it at $19,400.00. You guys stroke her a check for that, plus T.T&L, plus dealer’s fees, plus and an additional $360.00 for the tint, six CDs still stuck in the changer, and the window tint, and we’ll call it good.”
“We don’t pay like that, Mr. Dick.”
“Oh yeah, how do you pay? What is your standard?” I asked.
“Fair market value, of course.”
“Whose fair market value?
“CCC’s,” she replied.
“Who are they?”
“That’s who we use to ascertain the value of used cars. Tell me about what was wrong with your wife’s car.”
“What? Nothing… It was a perfect car.”
“Oh, come on… All owners say that about their cars. What was it really like?” She almost mocked me.
“You and me are gonna have a long week, sweetie.” I let her know. I wasn’t kidding.
“Hey, tell me about the bonus system there?” I asked.
“What, I don’t understand.”
“You know… For every dollar you fuck the victim out of, you get a bonus of some sort.”
“Mr. Dick, that’s rude to even begin to insinuate! We don’t do that!”
“You’re full of shit, ma’am, now let’s talk about money.”
“Okay, but let’s go over the car first, shall we? Your car had 13,752 miles miles on it.”
“Really, how’d you figured that?” I was wondering where the extra 2700 miles came from.
“We flashed it.”
“Ma’am, either your people are idiots, or liars. What are ya gonna go with?”
“Excuse me?”
“The car had 11,000 miles on it.”
“Can you prove that?”
“Yep. Where do you want me to fax the service receipt from last Saturday?”
The ignorant bitch gave me a fax number and told me we’d continue in the morning. I’m gonna eat this bitch and her boss for fucking breakfast.
Fuck you Nationwide. Pay up.
Dick
13 comments Og | Uncategorized

Now the big decision comes.
A new Accord, EX-L, or a hotrod Mazda.
I want her in the Accord, especially after seeing this pic.
http://automobiles.honda.com/accord-sedan/safety.aspx
And yeah, the car’s pretty damn nice too, for not a lot of money.
http://automobiles.honda.com/accord-sedan/interior.aspx
Better on gas than a new Hummer too.
Sounds like the bitch that hit me a few years ago. Took the front end rigt off the car. She went from the far left lane to the far right, across my front end. She was an underwriter for Allied (The old nationwide ) and had a illinois license that had expired on illinois tags. She was gainfully employed in Iowa( under the laws at the time she needed to have her car and her self licensed in Iowa about 90 days before the wreck happened) And she had the gall to tell the claims guy she thought I could have missed her. Good luck, this company has been screwing people for decades.
Psul, that broad has no clue what she’s in for. I mindfuck people for a living, she just doesn’t know it, yet.
You challenged a drone who has had training in how to handle a challenge. That’s not the way to do it.
The first thing I would have asked her was “*….*, what can I do to help you settle this claim today?” Then when she came back with her ridiculous offer, just tell her, “*….*, my offer is still on YOUR table, what can I do to help you settle this claim today, for the actual value of the automobile, not some depreciated value that is a worst-case scenario from a destruction derby race.”
Then, just when you think she isn’t going to move, “*…..*, I know that YOU have been assigned to settle this claim, and I still think WE can do that, but my time here IS somewhat limited, and if I were to get the idea that WE couldn’t come to an agreement, I will have no choice but to refer the matter to my attorneys, who, as you must realize, will immediately serve notice on you that I was not asking enough. Now, once again for the record, *…..*, how are WE going to get this claim settled TODAY?”
See how easy that is? The presumptive close, the good intentions backed up by a credible threat, etc.
Interesting that they would be hassling Dick when a serious injury was involved.
If it were me, I would start the negotiation tomorrow with the opening: “This conversation is being recorded, are you okay with that?” And I wouldn’t be bluffing.
Nationwide is in deep at this point, depending on the coverage. Medical expenses and pain and suffering add up quick, and I’d remind them of that.
@ dick: I’ve always loved the Accord, but except for putting a 4-banger in a 16-gallon, I’ve been quite impressed with my Mazda. Can’t go wrong with either.
Also, I wouldn’t be talking to them about settling without an attorney, but that’s me.
They are Dick, just dropping the word attorney into the conversation makes insurance companies sweat. Just keep repeating that your wife is in a lot of pain and she will need to be compensated for all the work she will likely miss…etc. If she does not roll over for at least 10% more than you think you have coming call a lawyer. That is what they are for.
I would look at the Mazda over the Accord, because the Accord is a little spendy for what you get. I just finished buying a car in that category.
John
Maybe I’m missing something, but why are you bothering with the Nationwide drones , Dick? File a collision claim with your own carrier, and let the mouthpieces slug it out. Yes, you’ll be out your deductible (for a while, anyway) but part of your premium is paying for those mouthpieces — let them do the heavy lifting…
Subrogation is your friend.
Dick, Good luck and take no names.
Indeed… a claims adjuster, lowest form of life on this planet. Get all you can get!
I was having a similar problem with an insurance adjuster a few years back after one of their customers backed into my wife’s car.
I approximately followed Rivrdog’s method except when I mentioned my attorney he laughed and said that I would be surprised how many people threaten to use an attorney when they don’t really have one.
So I told him “my attorney’s name is ????? he is the senior partner at ????? and his phone number is ?????. Do you have a direct number he can call to speak to you so you don’t have to pay for all the time it will take him to navigate your phone system?”
He laughed again told me that was a nice try, and gave me a number.
I hung up and called my attorney, who is also my first cousin and asked how much he would charge me to make a short phone call. I filled him in and he laughed and said he would call for free, just for the fun of it.
20 minutes later I got a call from the Nationwide adjuster telling me that there had been a misunderstanding and I could take our car into one of two different repair places and they would cover the full repair cost.
I replied that they don’t tell me who I have to do business with and that the shops they want me to deal with were not very reputable. When he started arguing with me I hung up.
10 minutes later he called back and ASKED me to please select any licensed repair shop in town and they would handle everything else.
And they did.
I did have to buy my cousin a burger for lunch the next time I was down his way, so the legal fees weren’t too steep.