In September, while I was working with my vehicle, model 2006 Chevrolet Crew cab, I wanted to move it a little back. There was a Leer Shell which was on the back of the vehicle. Accidentally, the glass was left covered which caught on the strap and the glass shattered after twisting. I got worried and called my agent from Hartford to know if that was covered under comprehensive claim.
I made the call and informed the agent the entire situation. The guy was polite and understood the matter. He suggested that the claim was purely comprehensive, and I did not need to worry about the surge in my insurance payment. I was convinced. As a matter of fact, I tried to consult the manager of the company and he had the same thing to say.
I was skeptical of the case. But, as they suggested, and being their customer for 5 years without a claim, I was entitled to that claim. So, I got that fixed and raised a claim of $372. Of this, I was paid $82. It was too less but considering that the comprehensive claim did not provide 100% coverage, I accepted it without any questions.
The problem started when I compared the policy quotes of other companies and wanted to switch to a different provider. When I spoke with the agent of a different company, he informed that my rates would not be same as I had gone once for the accident claim with my existing company.
After few thoughts, I recalled the time when the claim was made. I informed that the claim should be a comprehensive, but he asked me to check with Hartford insurance, which I did.
I was shocked to hear that the claim was made as an accident claim and no one from the company bothered to inform me about it. I even requested them to look into the matter and change it to the correct claim. But, they denied doing so.
I called the customer care support and a lot of other departments and was shuffled from one station to another, for nothing. They took my money and got me into a mess that was irreversible. I confirmed with various companies, but all asked to consult my existing insurance company which was not at all planning to help me.
So, I paid $500 more for 6 months, as the insurance was filed under accident claim. I talked to other companies regarding the same. They affirmed that the claim was clearly a comprehensive claim and was never supposed to be under accident claim. But, the problem was already created and was a mistake or a clear planning of Hartford Insurance.
I would suggest checking regularly with the company about your policy status, if you are already a customer and to move on with another one, as soon as the time permits. Or, you will be caught up in similar mess.