My car was hit by a Ford F250 in a parking lot. The man who hit me has Allstate insurance. I was in a space, saw the driver enter the lot, and waited for him to pass me. Then I reversed out of my spot to exit the lot. At this time the other driver was not yet parked but was waiting in the lane. After I was fully out of my spot and in drive to turn right, the driver of the Ford reversed to let someone out and did not see me. I attempted to honk my horn, but because of the airbag and horn location I did not do so before he hit my driver side door. He admitted fault and said he had only looked in his rearview mirror and did not see me. His pickup was high off the ground.
I got 4 estimates for the damage, and the average price was around $1800.00. They looked at my car and came up with $1300.00. Then I called the Philadelphia office and was told I was 15% responsible for the accident because I was not aware of my surroundings. After I talked to the supervisor, she lowered it to 10%. I was told this is part of Pennsylvania law. Now I will only get 90% of the $1300.00 and 90% of any rental car I need, up to $20.00 a day. Where do you rent a car for $20.00 a day?
I feel cheated. In no way was I responsible. Plus, they lowballed my estimate. If my deductible were not $500.00, I would have used my own insurance company, but I don't have the money. So I am stuck with this crummy offer from Allstate and the option to sue the driver for the difference, which I plan to do. As a result, Allstate has treated both me and its own customer badly.
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