Re: Update: Georgia DOT and State Farm (long)

["Michael Abatzis" <abatzis2@hotmail.com>]

i'll second that. i got my insurance cancelled in MA; my old company 
cancelled it because they said the address on the check i sent them didn't 
match the address they had for me on file (i had just moved)! so i had been 
w/o insurance for 2months without realizing it. every co in GA wanted to 
charge me ~$2000/yr because of the lapse in coverage. i had mentioned to my 
(now current) state farm agent that i did all my work on my car. she said 
"did you do anything in the last 2 months? do you have receipts?" sure. so 
she said she'd tell the office that it hadn't been on the road during that 
time. got me insurance for $900/yr. super friendly.
-michael

>If you didn't catch the beginning of my saga, I hit some NASTY screwed-up
>pavement seams in a construction zone in Macon, GA. I was on the way home
>from Brian's engine swap party in Atlanta a few weeks ago. Bent ALL FOUR of
>my OZ wheels, knocked my alignment out, blew a strut bearing and cracked my
>windshield...among other things!
>
>I sent off the paperwork to GA-DOT, but when they told me it would be at
>least 30 days until they got back to me, I decided to bring in State Farm. 
>I
>wanted to avoid bringing in the insurance company for the usual reasons, 
>but
>couldn't risk that GA-DOT wouldn't own-up to the incident.
>
>Fortunately, Katie and I switched to State Farm just a few months ago from
>Geico. We also put full comprehensive/collision coverage on the Scirocco,
>which we didn't have before. I can now safely say that, not only did these
>decisions pay off, but I think I may have found the best insurance company
>out there!
>
>The initial estimate was at the State Farm place, but they couldn't assess
>the suspension & wheel damage there, so they told me they would meet me at
>the shop when I had the car re-aligned.
>
>This morning, Doug from State Farm met me and Steve from Cars & Concepts at
>the shop. He looked over the car, talked to Steve a bit, and waited while
>the car was hooked up to the alignment rack. Doug was SUPER-friendly,
>commented on how clean my car was (glad I washed it yesterday!), and signed
>off on EVERY repair estimate that Steve had given him, without any hassle 
>at
>all. With all the damage, including basically all the front suspension
>components, windshield, alignment, replacing two wheels and repairing the
>other two, the total came to over $2400. He even INCREASED a couple numbers
>he thought were too low! I also mentioned that I have so far been
>unsuccessful in finding two replacement wheels, and he told me to give them
>a call if I have to replace all four.
>
>My agent also said that, if GA-DOT doesn't pay for the damages, they will
>assign the "fault" to me since there is no one else to blame. However, as
>long as things are good for the next year or two, my rates will go up $70 a
>year at most for the next two years, and perhaps not at all. I can live 
>with
>that.
>
>The real good news is that the rear beam checked out OK on the alignment
>rack. It looks like I have a bent control arm and bad wheel bearing in
>addition to the other damage. At first, even I thought Steve's estimate to
>be overkill when he started including stuff like wheel bearings, but it is
>now looking like he knows what he's doing. My car will be back up to snuff
>in no time!
>
>I heard a lot of good things about State Farm before we joined, and now I
>have my own recommendation to add. They're awesome.
>
>It is starting to look like a good day...
>
>Neal
>
>
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