Lant/haggarty claim DENIED

poncho62 · ADMINISTRATOR

RE: Lant/haggarty claim DENIED

slim · DUNDAS, ONT

I think it was over the truck in his aviator . He had appraised it and the owner sold it for some lowball figure to a guy out west. I think he was pissed the guy never gave him a chance to buy it at the low stupid price he sold for. It pushed him over the edge when most said if you own it you can sell for whatever you like. That tread is gone

-- Edited by slim on Thursday 12th of February 2015 07:46:11 PM

will · WALKERTON, ONT

This has been a good thread. Thanks to Pete for starting it (hope you get your problem solved) and thanks to others for adding their thoughts. I know I have reread my policy and e mailed a couple of questions to my broker.

51 Styline · NIAGARA FALLS, ONT

I am with Lant/ Haggarty and after following this thread I think I will hunt around and see whats available in this area. Real good discussions and info on this thread.

dualquadpete · BLACKSTOCK, ONT

I would like to thank 427 Carl for following through on comments here & other site, he took the time to e-mail Lant's & notify them that "lots of members" are seeing how they treat their clients on this site & other one & suggested the matter be 'dealt" with in the proper way. Thanks Carl Pete

51 Styline · NIAGARA FALLS, ONT

dualquadpete wrote:
I would like to thank 427 Carl for following through on comments here & other site, he took the time to e-mail Lant's & notify them that "lots of members" are seeing how they treat their clients on this site & other one & suggested the matter be 'dealt" with in the proper way. Thanks Carl Pete

X2. smile

pint and a pound · GTA

First off, I am NOT a fan of dealing with insurance companies PERIOD ... if I can fix it myself, I will, regardless of what I'm covered for.

That being said, if there was no actual fire ... how can they be expected to cover any damage, under the fire clause. The insulation melted off the wires, but there wasn't actually a fire. Kinda like the time I left a record (when I was a kid), not in its sleeve, out on a garden chair ... it too melted, but there was definitely no fire.

Picture this, I am presently tip tapping away on my computer .... if I was to spill a large glass of water all over my computer, would I be able to claim the damage under the "flood" clause in my home owners insurance? Not likely, as there really was no flood ... water? Yes. A true flood? No.

Sorry, just seeing things though my eyes ... and being too honest possibly too.

51 Styline · NIAGARA FALLS, ONT

In days gone by there was " Comprehensive " coverage which pretty well covered everything that Fire & Theft didn't . I used to work in a G M dealership , in younger days, and repaired several burned, melted , wire harnesses covered by insurance Comprehensive coverage. Insurance companies are getting so money hungry these days they will do everything they can to get out of paying, -------------- but don't be late making a payment.

toomuchjunk · S/W ONTARIO

about 15 years ago I had a nice 2 year black on black silverado. Some degenerates tried to steal it one night.
I had a good quality alarm in it. They couldn't get the truck started because of it.
The door,steering column,and some wiring were damaged.
Because they weren't good enough to get it started so they could move it the ins. co. called it vandalism which has $500 deductible.
If they had moved the truck it would have been theft with no deductible.
So my $500 alarm cost me a extra $500
TMJ

parklane · St THOMAS, ONT

A little off topic here, but insurance related. I found out that if you collide with a animal - deer, moose, etc., you better word the report properly. If the animal hits you, it goes under your comp. BUT, if you hit it, it goes under your collision. Big difference in the deductible. Also collision raises your rates, but comp, doesn't. Something to think about.

Smokin Joe · ONTARIO

Off topic again but do people realise that you are not allowed to do any plumbing, electrical or chimney work on your own house or garage inspected with permits or not. If the insurance finds out they will cancel your policy or if you have a claim good luck trying to collect. They have to have someone to sue to get their money back if there is a claim.

Petebil · ONTARIO

Smokin Joe wrote:
Off topic again but do people realise that you are not allowed to do any plumbing, electrical or chimney work on your own house or garage inspected with permits or not. If the insurance finds out they will cancel your policy or if you have a claim good luck trying to collect. They have to have someone to sue to get their money back if there is a claim.

Wrong !! If you own your home, and it is a detached dwelling you can do anything you want as long as it meets building and safety codes.

studeshaker · BUCKHORN, ONT

my electrical permit lists me as the only person to perform the work. anyone else touching it, licensed or not, can result in a 10,000 dollar fine. my permits and inspections are all in order, i don't see why an insurance company would have a problem with that.

Smokin Joe · ONTARIO

You had better check with your insurance company as this is all fairly new and if you are let me know and I will change to them also. Has nothing to do with building codes or permits only your insurance company. When you ask them do not say you have already done work you are just enquiring.

bmw2002e3 · ST MARY'S, ONT

meester_jamie wrote:
,, first thing I would do is delete that post.... then I'd get an independent insurance agent to go to bat .. they know what to say..

I have had them attempt to deny 3 claims,, they were not able to wiggle out of them.. an independent can tell you real facts, and get things done.. don't convince yourself with any excuses.... call one ...
someone like http://www.mooresappraisalservice.ca/ may be able to educate you on what they can do.. or refer you to an independant,, or what ever...

see dispute article .. http://www.mooresappraisalservice.ca/services.html

-- Edited by meester_jamie on Saturday 7th of February 2015 09:39:32 AM

Would you care to elaborate a little in your case what you did? I didn't know you could hire an independant.

we had this problem with my dad's BMW wagon when it was totalled, they were something like 5k below what the car was worth, took so much fighting and whatnot. Became very obvious they either didn't know

their BMWs, didn't care or were trying for extreme bottom dollar. I had thought about getting another opinion, but didn't know there was even a process to do so.

bmw2002e3 · ST MARY'S, ONT

Petebil wrote:
Wrong !! If you own your home, and it is a detached dwelling you can do anything you want as long as it meets building and safety codes.

I was under the impression you can do the work on your own, and you likely should get it inspected professionally and signed off that it meets code, and you are good to go?

bmw2002e3 · ST MARY'S, ONT

I noticed that my insurance renewal this year was very very heavy
lots of paper, lots of changes to policy, and lots of stuff that didn't make sense.

Spent an hour of my lawyers time and went through the policy before renewing, actually made a couple changes. Sneaky companies will change terms and coverages
at renewal time and cloak it in legalspeak. It's out in the open, but often hard for the layperson to understand.

Seems expensive, but I don't trust them, figured I'd spend a few dollars to save a few tens of thousands possibly down the line.

If you come across stuff you don't get, pass it by your lawyer. It's worth it.

dualquadpete · BLACKSTOCK, ONT

Got 2 letters in mail yesterday,1 from Lant's with my renewal forms NOT HAPPENING!!! 2nd was from "another: Claims co, that I've never delt with saying Claim denied, due to 'age of car" [???] & corrosion , [Avanti has "never' seen salt & there is NO corrosion on any connections] & states there was no damage, next line says "damage incurred" is not covered under my policy???? That's 3 different Co. they've sublet this out too, Cost ??? who knows, guy that came to see the car didn't seem to know much about Classic's & seemed to be more of collision related "expert" Car won't be worked on till next week now as Art is still down south, don't blame him for not coming back to "DEEP FREEZE"

427CARL · CLINTON, ONT

Car guys are like voters bitch and complain and then vote Liberal and buy Hagerty Ins. lol

would it not be cool to have a few hundred guys "not renew", but request better clarification about insurance ???

as per current Government polices you are getting screwed....

Pete write a note to Old Autos they will help you... especially, if you explain, that one of their full page advertisers is mis leading US I said mis-leading

dualquadpete · BLACKSTOCK, ONT

Going to Phone Old Autos 1st,before I waste my time writing a letter & have them NOT Print it due to Lant being a "Major" advertiser!!!!! Don't think they will "bite" the hand that feeds them???

dualquadpete · BLACKSTOCK, ONT

dualquadpete wrote:
Going to Phone Old Autos 1st,before I waste my time writing a letter & have them NOT Print it due to Lant being a "Major" advertiser!!!!! Don't think they will "bite" the hand that feeds them???

I was right, editor, said they 'would not " publish it!!!!!

meester_jamie · GALT, ONT

bmw2002e3 wrote:
meester_jamie wrote:
I have had them attempt to deny 3 claims,, they were not able to wiggle out of them.. an independent can tell you real facts, and get things done.. don't convince yourself with any excuses.... call one ...
someone like http://www.mooresappraisalservice.ca/ may be able to educate you on what they can do.. or refer you to an independent,, or what ever...
see dispute article .. http://www.mooresappraisalservice.ca/services.html
-- Edited by meester_jamie on Saturday 7th of February 2015 09:39:32 AM
Would you care to elaborate a little in your case what you did? I didn't know you could hire an independent.

we had this problem with my dad's BMW wagon when it was totalled, they were something like 5k below what the car was worth, took so much fighting and whatnot. Became very obvious they either didn't know
their BMWs, didn't care or were trying for extreme bottom dollar. I had thought about getting another opinion, but didn't know there was even a process to do so.

well,, it would be foolish to put my statements in print really......... keep in mind, insurance agents read the internet. I didn't lie to them,, but ... I would use the words.. "i had a fire" before I said.. it was "just smoke and melted wires" .... I would have called the fire dept to get an occurrence number...

and all cases have different circumstances....

as I said before... Here is a service provided by one company,, and there are others who do the same..

if you contact moore for example,, and they want $500 to fight your battle .. to get you $5k better settlement.... my guess is worth it.... again, situations alter circumstances..

http://www.mooresappraisalservice.ca/services.html

Insurance dispute appraisals:

Individuals may not agree with the value arrived at by their insurance company in the event that their vehicle or piece of equipment may have been deemed a total loss by their insurance company. A fair and impartial professional insurance quality total loss report will be prepared after viewing the remnants of the said vehicle. In the event of a not recovered theft or total burn out, all information and photos provided by the insured will be scrutinized and used in the preparation of a value report. An appraisal of damages can also be arranged if required.

427CARL · CLINTON, ONT

The bottom line is (as in Liberal experience) you are screwed

they don't give a ****t if you renew or not

and theres no organization of car guys to stand up to them

and they know it...

imagine lining up to get screwed biggrin biggrin

dualquadpete · BLACKSTOCK, ONT

Going to have to get both cars appraised, as soon as Avanti is repaired & home, then my "left" nut goes on KIJJIJI!!! Will be switching from Lant/Haggarty ASAP!!!! Policy expires beginning of March Still wondering if anyone that phoned or e-mailed Lant got a reply??? Pete

dualquadpete · BLACKSTOCK, ONT

Just got back from shop, wiring under dash is 'smoked' They have called in a 3rd. party appraiser who is in the midst of another DENIED claim from Haggarty mine just got added to the list!!! They also said late fall a customer came in to get an appraisal with a photo of car "before & after" damage, said they couldn't help the guy as it was "too late" for appraisal, but his Ins.[?] co wanted proof of agreed value!!! before they would consider a pay out!!!! I'm assuming which Ins. Co. it is????

Klink · Member

Did you see any teeth marks on those wires?

dualquadpete · BLACKSTOCK, ONT

No rodent teeth marks, if that's where you were going??? Alternator was the cause!!!

studeshaker · BUCKHORN, ONT

dualquadpete wrote:
No rodent teeth marks, if that's where you were going??? Alternator was the cause!!!

exciter wire pete ?

dualquadpete · BLACKSTOCK, ONT

Don't know Doug, Alternator is "fried" inside, Picking up new one today along with a new regulator, they are still inspecting/ evaluating under dash wiring while 3rd. party adjuster is having 'discussions' with Aviva/Haggarty

dualquadpete · BLACKSTOCK, ONT

UP date!!!!! Another adjuster was in to see the damage on tues & will be calling Ins. co. after report written up??? Fingers crossed!!!!!!!!!!!!!!!!!!!!!!1

dualquadpete · BLACKSTOCK, ONT

Finally, got a call from Adjuster Co. 3rd party Adjuster Ok'd the claim, other than the cause [Alternator] & have already bought that. Only took almost 3 mths. of fighting with them, but what a RELIEF!!!!!!!!!!!!!!!!

51 Styline · NIAGARA FALLS, ONT

Its pretty sad when you have to go through all that crap to get what was rightfully deserved in the first place.

pint and a pound · GTA

dualquadpete wrote:
Finally, got a call from Adjuster Co. 3rd party Adjuster Ok'd the claim.

Congrats .... maybe you should change the title of your post to reflect the good news. Otherwise, someone has to read the entire post to find out it did finally get ok'd.

Offset · HALIBURTON, ONT

There is good news even on April Fools Day.

Persistance pays off, pleased for you.

dualquadpete · BLACKSTOCK, ONT

pint and a pound wrote:
dualquadpete wrote:
Finally, got a call from Adjuster Co. 3rd party Adjuster Ok'd the claim.

Congrats .... maybe you should change the title of your post to reflect the good news. Otherwise, someone has to read the entire post to find out it did finally get ok'd.

Don't think I can change it, but better they do read the whole thing to see what you have to go through!!! But good thought there anyways