I am insured with AIG in Michigan. My wife had a rear end collision accident. It wasn't her fault. We had police report filed. It took me 32 days to get my car back after repairs. My insurance entitles me for 30 day car rental @ $30/day.
AIG now tells me:
After spending for rental cars, AIG now asks me to produce a receipt to claim the car rental reimbursement. My contract does not state any such requiremnets. George Malecki, Branch Manager of AIG at Lansing, says its 'common prodecdure' and they ask for it since they get audited. Am I expected to follow what he considers as common procedure that is not stated in the contract? Why didn't they state it clearly the day the accident was reported. Isn't the fact that my car is still in the workshop proof enough. Am I now expected to run around asking for receipts for every one I rented. I offered to show him credit card statements and they refused. I have a feeling these guys are siphoning money that belongs to the customer. They surely need to be audited
They told me to pay $250 deductible even though per terms, it was to be waived. Had I not protested they would've pockeed it.
Now they ask me to pay 'bettement' on replaced parts. They ask me to pay 50% betterment for replacing the rear wiper motor with a new one. What kind of betterment does a wiper motor replacement offer my vehicle. Does it increase the value of my vehicle. Can I sell my vehicle for more? In this case most repairs results in a betterment because generally parts are simply replaced, never repaired. What is the purpose of a comprehensive insurance if I am to pay a good % of my repair bill. I asked them to use a 41/2 yr. Old part and they didn't, because they can't find one or don't care. Why should I pay? I feel cheated. The adjusuter Mr. Jim Frost of Crawford and Co. Never returned my calls and 5 messages. And I couldn't believe a company this size does not have its own adjusters. They've contracted it out.
They also tried to palm off 75% betterment for replacing my damaged propeller shaft and coupling. My vehicle is 41/2 yrs old. Is this insurance or some kind of backyard scam.
The AIG claim center in Lansing is terrible. Seems like they run a flex hour/flex week operation out there and don't care much about service. Arrogance is a trademark. Rename them 'The Arrogance Insurance Group'
I want to sue these guys for extortion, indiffernce and for all the inconvenience caused. Also FYI, a few months back my rates increased $35/6 mth. A month after I negotoated new terms. When I called to find out why, they said 'Since pay out is greater than revenue, we have to cover the gap by increasing rates for every one in the state'. Wow! What is the risk in this business?
Please note: The address below is of their Clims office in Lansing, MI. It may be better if the matter is reported to AIG headquarters.
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