My car was hit in the front right passenger corner on January 4th of this year, by a gentleman that drove a 7-11 company car. My car was undriveable. A police report was filed and the gentleman resumed full liability for the accident. Unfortunately, the car was insured by Sedgwick CMS. On January 4th, approximately 10am I filed the claim to my insurance company, Progressive. I was informed by my agent that since I only have liability on my car, that I was unable to obtain a rental car until Sedgwick was contacted and a claim was filed. I am 24 years old and in the state of New Jersey, most rental companies will not rent a car to you unless you are 25 or older. This was a huge problem seeing as I had no transportation. Anyway, both my insurance agent and I tried time and time again to contact this company and for reasons unknown, they were elusive. I could not get through to a person, all I could get were machines. After a week of trying, I finally had enough. I mailed and faxed a letter to their main office stating: if they were not going to give me the time of day, I was simply going to contact an attorney. I suppose that sparked some interest and I received a call the very next day. The call was from a man named Nabeel Nasir and he was extremely rude. I was treated like the accident was my fault and I was being bothersome. When in reality, they were assuming responsibility. The only up-side was that Nabeel was able to get me a rental car within a day of speaking to him. I obtained the rental from Enterprise on January 19th. I was told I needed insurance on my rental, again since I only have liability insurance. The gentleman at Enterprise was very accomodating and assured me that Sedgwick should be able to cover the insurance fee. He then tried to contact Nabeel... To no avail. I had no choice but to take his advice and take their rental insurance. I was not directed otherwise by Sedgwick, so I did not see it as a problem. About 2 days go by and I am contacted by Nabeel stating that my car was totaled and that he will contact me the next day with further instructions. No call and no answer when I tried to call until the following week on the 25th. I was told on the 25th by Enterprise that Sedgwick called them and told them they will only pay for one more day on my rental. I was beyond livid at this point. I received no information on my totaled car until I called Nabeel about 6 times in a row that same day. I asked to speak to his supervisor and I was not put on hold, I was hung up on. I never got a call back and could not get a hold of Nabeel for the rest of that day. The next day I took my car back to Enterprise, not wanting to use any money out of pocket. The gentleman at Enterprise explained that he was unable to contact Nabeel or anyone from Sedgwick and unless he could I was going to be charged the $160 for rental insurance. After waiting an hour in Enterprise calling Sedgwick, we finally got him on the line and asked for the reimbursement. He informed us that Sedgwick does not pay for rental insurance and would not explain further. We finally spoke to his supervisor to which she explained they will not pay for insurance, however they will lend me the rental until I had received my payout for the totaled car... But they still WOULD NOT pay the rental insurance. Thankfully, the gentleman at Enterprise had a heart and told me I did not have to pay for the insurance.
Overall, I felt I was ignored and treated very poorly by Sedgwick CMS, even though the accident WAS NOT MY FAULT. I hope no one ever has to deal with them again.
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