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From digest.v6.n841 Thu Jul 3 08:33:07 1997
From: subecker_at_ix.netcom.com
Date: Wed, 2 Jul 1997 14:14:14 -0700
Subject: TIG Insurance
I maintained TIG auto insurance for a number of years; and, although I
only filed a few claims, TIG's service was consistently good. Sometime
during this period, TIG re-structured its operations; all claims were then
processed in Michigan (in the interest of greater efficiency -- i.e., for
the purposes of cutting costs); and, local independent adjusters were
assigned responsibility for processing claims.
I had a terrible experience with TIG's service afterwards (fixing damage
to a prior Corvette which hydroplaned off the freeway). The independent
adjuster was primarily concerned with establishing and/or maintaining his
relationship with TIG by keeping their repair costs down -- eg., only
giving provisional, piecemeal approval of repairs (requiring the shop to
start and stop work while awaiting his further authorization, which
significantly delayed the work), attempting to substitute substandard parts
(which were eventually replaced with factory parts after they proved
unacceptable, and which caused further delays because parts had to be
obtained and installed twice), etc. The initial repairs took approximately
4 months (when they should have taken 2) -- and, were only completed after
my agent initiated action with a TIG supervisor in Michigan. Some
supplemental repairs were required (largely as a result of the initial cost
cutting); however, the adjuster denied responsibility; several more months
passed during which letters were exchanged and finally threats of legal
action; TIG finally had another independent adjuster review the file and
authorize the final repairs. Over the course of a year, my car was out of
service for 10 months (in the shop) for repairs that should have taken 2
months at most -- apparently the first adjuster should have "totaled" the
car, but did not and TIG did all it could to avoid taking responsibility
for his mistake.
TIG's insurance premiums were low (very much lower than others); but, they
provided service accordingly. You really do get what you pay for.
Lew Becker
97 M3, 95 325is
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