HELP NEEDED!

[frunobulax]

Dealerships insurance should be covering this not yours and they should replace the car period.

Generally, it is not up to the insured to determine which insurance pays when multiple insurance companies are involved.

You can be sure that the customers insurance will make sure the dealers insurance is paying.

 

[Mr. Incredible]

Generally, it is not up to the insured to determine which insurance pays when multiple insurance companies are involved.

You can be sure that the customers insurance will make sure the dealers insurance is paying.

it depends on the state and their rules and laws.

here in CA the at fault party is required to pay, unless both parties are at fault.. typically you go through their insurance.

however we also have the option of using our own insurance to recover our loss, which is why we pay for it in the first place, then our insurance goes after the at fault party, and reimburses us for the deductible once settled.

some states have no fault laws, so you can only use your insurance, other states have at fault laws so you have no choice but to use theirs. All State dependent.

personally myself I will never deal with the other parties insurance in the case of an accident. I am not their customer so I would never expect them to do right by me..

in a case like yours I wouldn’t have a choice here in CA. It is negligence on the part of the dealer and I don’t think my insurance would even get involved, I would have to ask because I honestly don’t know.

 

[FrankieD]

it depends on the state and their rules and laws.

here in CA the at fault party is required to pay, unless both parties are at fault.. typically you go through their insurance.

however we also have the option of using our own insurance to recover our loss, which is why we pay for it in the first place, then our insurance goes after the at fault party, and reimburses us for the deductible once settled.

some states have no fault laws, so you can only use your insurance, other states have at fault laws so you have no choice but to use theirs. All State dependent.

personally myself I will never deal with the other parties insurance in the case of an accident. I am not their customer so I would never expect them to do right by me..

in a case like yours I wouldn’t have a choice here in CA. It is negligence on the part of the dealer and I don’t think my insurance would even get involved, I would have to ask because I honestly don’t know.

I spoke to my insurance, and the only way they can get involved is if I file a claim, which in turn my rates will go up Obviously, me doing that would be idiotic, so the dealer's insurance will need to take care of everything.

 

[Mr. Incredible]

I spoke to my insurance, and the only way they can get involved is if I file a claim, which in turn my rates will go up Obviously, me doing that would be idiotic, so the dealer's insurance will need to take care of everything.

GA must have some odd laws.

typically not at fault claims do not raise rates. In your case it is a comprehensive claim not a collision claim so there should not be any rate increase. Falls under the same claim as vandalism, flood damage, or theft and none of those should raise your rates.


I’ve lived, driven and been insured in several states and never had that happen for a not at fault claim.

most recently my g80 getting rear ended. I did the claim through my insurance not the at fault parties. Had my car repaired within 5 weeks and got my deductible back within 6 months and my rates went down this year not up.

 

[frunobulax]

I'm in GA, and when we had a other other driver at fault accident, we were told by our insurance agent that informing them will not raise the rates, but it will gain their assistance in making the other insurance pay, because they are liable if the at fault insurance does not pay. I think it is in the not-at-fault insurance best interest to be informed so they can bee prepared for any attempts of the at-fault insurance to shift liability to them.

The agent could have been wrong, but my rates did not go up. YMMV.

 

[EdP]

Well looks like my lawyer and Genesis corporate has to get involved now!! I was trying to be nice about it and giving the dealership a chance to do right, but can’t anymore...Insurance totaled the car and i went in today to see what they were going to do for me...after tax, tag and title...a whopping $2000 off MSRP, and they thought that would be a fair deal

Were you able to get up and walk after rolling on the floor laughing? I'd not expect and even up swap on a new one but certainly much better than that. Much better. More like: Let's split the depreciation and call it even.
Shame you have to get a lawyer, but good luck.

 

[FrankieD]

I'm in GA, and when we had a other other driver at fault accident, we were told by our insurance agent that informing them will not raise the rates, but it will gain their assistance in making the other insurance pay, because they are liable if the at fault insurance does not pay. I think it is in the not-at-fault insurance best interest to be informed so they can bee prepared for any attempts of the at-fault insurance to shift liability to them.

The agent could have been wrong, but my rates did not go up. YMMV.

I will call them again tomorrow and see what they say. I thought it was odd that my rate would go up when not at fault.

 

[Toddasaurus]

Well looks like my lawyer and Genesis corporate has to get involved now!! I was trying to be nice about it and giving the dealership a chance to do right, but can’t anymore...Insurance totaled the car and i went in today to see what they were going to do for me...after tax, tag and title...a whopping $2000 off MSRP, and they thought that would be a fair deal

Wait... Please explain the details to me, because evidently I am not following. The dealership's insurance totalled your car. How much are you getting for your car? Second, $2k off MSRP. Do you mean they're offering to sell you a brand new G70 at $2k off, as in the small discount is supposed to be the compensation of what they put you through?

 

[TinsleyC]

Well looks like my lawyer and Genesis corporate has to get involved now!! I was trying to be nice about it and giving the dealership a chance to do right, but can’t anymore...Insurance totaled the car and i went in today to see what they were going to do for me...after tax, tag and title...a whopping $2000 off MSRP, and they thought that would be a fair deal

Just to be clear, it's your insurance that declaring the car totalled, or the dealer's insurance? In either case, insurance will pay you the value of your car before it was water damaged.

So in the dealership's mind, you've been (or will be) compensated for your loss. So any discount offered is considered a new deal, as the old deal is closed out once you receive reimbursement.

Although the dealership screwed up royally, it might be hard to prove they owe you anything beyond your insurance reimbursement.

 

[EdP]

Just to be clear, it's your insurance that declaring the car totalled, or the dealer's insurance? In either case, insurance will pay you the value of your car before it was water damaged.

So in the dealership's mind, you've been (or will be) compensated for your loss. So any discount offered is considered a new deal, as the old deal is closed out once you receive reimbursement.

Although the dealership screwed up royally, it might be hard to prove they owe you anything beyond your insurance reimbursement.

Correct. But 2K off under the circumstances is insulting. If that was the best deal I could get I'd go to another dealer for my new one.

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[Pockets]

Correct. But 2K off under the circumstances is insulting. If that was the best deal I could get I'd go to another dealer for my new one.

Agreed, 2K off MSRP isn't even close to adequate. They should start around circle a pricing and go down from there.

What was the value their insurance gave you for your totaled car?

 

[NLJ]

2021 will be out soon so they need to give you a significant discount on the 2020.

 

[Truck Norris]

Another thought... 2k off or 10k off.... are you really ever going to take your car back to that dealership? lol

I'm all for you going back to Genesis but I see it as either that dealership goes over the top to assure you this was a one time error, our sincerest apologies, please don't destroy us with word of mouth stories, etc. OR if you don't get something spectacular it means they want you gone and for this to be over or worse just don't care or you're one of many customers and losing you doesn't matter. In either case, I would want to make a point here whether you end up with them or not.

 

[FrankieD]

Agreed, 2K off MSRP isn't even close to adequate. They should start around circle a pricing and go down from there.

What was the value their insurance gave you for your totaled car?

The insurance valued the car at just above 37k

 

[TinsleyC]

Correct. But 2K off under the circumstances is insulting. If that was the best deal I could get I'd go to another dealer for my new one.

Yes, good point - they may not be looking at it that way - and it's not a good sign that they're offering this. It wouldn't kill them to offer a car at their cost due to the hassle the customer has endured.

I assume Frankie is still driving their loaner?

 

[FrankieD]

Yes, good point - they may not be looking at it that way - and it's not a good sign that they're offering this. It wouldn't kill them to offer a car at their cost due to the hassle the customer has endured.

I assume Frankie is still driving their loaner?

@TinsleyC I am in a loaner currently...and you’re right it would kill them to do it, but I was trying to be reasonable with them and they pretty much spat in my face with that offer so now I have no choice but to get other parties involved

 

[Toddasaurus]

@TinsleyC I am in a loaner currently...and you’re right it would kill them to do it, but I was trying to be reasonable with them and they pretty much spat in my face with that offer so now I have no choice but to get other parties involved

I would, at the very least, contact corporate and let them know what's going on, and where you are coming from. They at least have *some* incentive to make their customers happy.

 

[FrankieD]

I would, at the very least, contact corporate and let them know what's going on, and where you are coming from. They at least have *some* incentive to make their customers happy.

That’s definitely something that I need to do. Do you (or anyone) know how to contact them? Email or phone number?

 

[MrMegadeth]

Just know, unless you have a prepaid retainer, a lawyer will eat up any "savings" really fast.

Deal with the GM, only. Call corporate won't help, but worth a try. If so inclined try the local news as others mentioned.

 

[Aquineas]

Sheesh, what a crappy situation. As others have stated, 2K off MSRP is the suck. Heck, I was able to get at least 5K off my brand-new G70 from Genesis itself a couple of months back (unfortunately it doesn't appear that deal is still ongoing). Even without that, they need to make this right. Reach out to local news.