>>> i was with travellers insurance. <<<
Travellers ripped me off big time, a teen run a red light and hit my car. The teen ask if I could please not take a auto rental, admitted it was all his fault and said, the claim would go over $1000 and his rates would go sky high. I agreed and got a adjuster to see how much to fix my auto, it was well with in the norm at $900 by the book.
The kids dad that was not even there, try to blame me and the kid would not lie about it. The adjuster did not add the head light and said, that the body shop could call to get it added then. They took forever, and when the check did come it was cut by 20% as they said I was 20% at fault.
So I got ripped off a $180 head light, and 20% of what was left of the claim. All this after I agreed to not take a auto rental, all I wanted was my auto fixed right. What I got was ripped off and then some, think about it if you had a brand new auto and some hit it. And wiped it out and it was no fault of your own, they would cut 20% of what you are owned.
My insurance just said well take them to court, knowing full well it would cost more them it's worth. Had it been over $500 then I could of got it covered, by my own insurance but the first $500 is not covered. The sad thing is from what other have said, all insurance pull this stuff all the time to people.