End of June I was in NY for both personal and business reasons. Someone drove into the back of my parked car while texting and driving
. My sister heard the accident and immediately called the police and took pictures. I do not have collision insurance
so my company told me I had to go to the claimant's insurance
company but they did not that I was 0% at fault. Tower Group Insurance
(claimant's insurer) representative was polite but said 10-14 days to get police report. I downloaded it that night and sent it to them the next day. They couldn't find their client's policy
or number so that was causing delays so I went to the claimant's home and asked them for the policy number and submitted that to their insurance company. They were going to approval a car rental but that didn't come through until 9 days later after numerous discussions that I had to get home. Finally I told them it was not realistic for them to make me drive 1000 miles home in a rented car just to drive back 1,000 miles and drive my car home 1,000. I needed for my daughter and I to return home since I had numerous other commitments outstanding. And I didn't have the time for a two-day drive each way plus the return which would have been 6 days of my work time. I told them the price of the airline tickets and said if they did not approve it that day, the next day it would cost at least $100 more per ticket. I could not complete my business while there since I required a large vehicle that could tow.
To make it short, I was frugal in all expenditures so as not to increase the expense of the trip or undo expenses to the insurance company. I incurred over $3,000 in expenses to get back and forth and have paid all out of pocket to-date. My car was not ready for pickup until 3 weeks and 4 days later at which time I flew back to NY, picked up my repaired car, completed 5 days of work without my helpers (initially should have been 2 days with 2 helpers plus myself), and drove back to Georgia.
The insurance company said they will only reimburse me $800 for the car rental in Georgia and some gas; originally they said all expenses while on road including gas, hotel, meals, etc. During this waiting period, I stayed with family and used their car until the insurance company would meet their responsibility of reasonable expenses.
My car dealership said they should have given me a car equal in value to my GMC 7-passenger Envoy with tow package and owe me depreciation value as well since I was considering trading in my vehicle and now that it's been hit, it lowers the price I would get by 25% of the total repaired value (just under $5,000).
I have all my receipts and email communications but no longer want to deal directly with the insurance company. Someone suggested that I send them a registered letter with supporting documentation and file a complaint with NYState Insurance Board if they do not comply.
What would you suggest I do?