Minnesota Focus Owners Club

ok so some of you know that my old 08 Focus got freakin hit by some dumb person in a parking ramp...... well insurance company ( dont ever go with Allstate... I am stuck with them for a little while longer and am still pissed at them....)was being stupid. Claims I could have prevented the damage by having parked in a different spot.....bogus. So I ended up having to do a trade in.... dont get how that all worked out since the old one was totaled.... idk. parents are cosigned on it so they did most of the crap with the insurance company. The truck dude didnt have insurance..... he only got a ticket for no insurance...thats it! so I have a different 2008 ford focus.... although its pretty much the exact same thing. same color. Still an SE..... only thing is this one has higher miles ( 12000. Mine only had 8000) plus I went from a 6 disc cd player to a one ( easy to change I know) and the transmission is shot to hell on this one. How you kill an automatic transmission in less than 5000 miles I dont know. This guy who had it before me has already replaced the transmission on it once. Thats why he gave it up. I dont really notice it unless I accelerate hard or do over 75 on highways..... which I do all the time so yea. Thought Id let all of you know. If you see a 2008 blue focus in minnetonka area with some funky tribal design on the back end thats prolly me. Ill try and get some pics up soon.

Would'nt Ford cover the tranny issue under warranty?

i have allstate too, they suck. they are the cheapest. they are (did) total out my car, but won't pay me shit for it.

FYI, all insurance are cheap, how else would they make money. If they don't give you a fair price, call and bitch until they do.

lol, it doesn't work like that

Sounds like PO's son got a hold of the car and did a few neutral drops!

lol hahah my insurance is far from cheap they are trying to get me to paying over 600.00 for one freakin car. The tranny issue yea...it should be covered under warranty just havent had time to bring it in yet. too much work going on.

Monkey-Gein wrote:lol, it doesn't work like that

Yeah, actually it does work like that. I've been though the situation, but you have to prove why you car is worth the amount you think its worth. And by bitch, I meant you need to call them and argue your case, but if your car is a POS of course the insurance company is not going to pay you shit. I should have stated that clearly in the first place.

lol hahah my insurance is far from cheap they are trying to get me to paying over 600.00 for one freakin car. The tranny issue yea...it should be covered under warranty just havent had time to bring it in yet. too much work going on.

I was referring to paying out on a claim, not how much you pay for your coverage. And holy shit $600, tell me that is for more than one month

closetfordfan wrote:FYI, all insurance are cheap, how else would they make money. If they don't give you a fair price, call and bitch until they do.

no, rates ain't cheap. you didn't say anything bout payouts. plus, it still doesn't work like that. the accident with my car happened in NOVEMBER. they aren't agreeing to anything more. i have proven it and given them pictures and paper work. they don't even believe something they proved themselves wrong on. so, if you think you can get more money on a pay out for bitching at them with allstate (or many others) you're just dumb.

oh, btw blue.. it's a shared fault state. no matter what you'r at fault 10%. allstate is also BS. they say a hit and run when you can't even see your car is 100% you fault if noone owns up to doing it. and they say snow isn't weather

no, rates ain't cheap. you didn't say anything bout payouts.

Did you read the whole second post, I clear stated I should have been more specific in the first post. Rates are pretty cheap if your over 25, which I am, and don't have a shitty driving record, I a good driving record.

plus, it still doesn't work like that. the accident with my car happened in NOVEMBER. they aren't agreeing to anything more

I don't know anything about you accident, and if you posted it mnfocus I don't care enough to search for the thread.

i have proven it and given them pictures and paper work. they don't even believe something they proved themselves wrong on.

If the insurance already proven themselves wrong, call a lawyer that offer free consultations they will tell you if you have a case.

so, if you think you can get more money on a pay out for bitching at them with allstate (or many others)

I used bitching as a figure of speech, do you take everything literally? Also I tried to clear that up in the second post. Did you read any of the second post?

you're just dumb.

Pot meet kettle I spy an idiot, I mean edit

Monkey-Gein wrote:oh, btw blue.. it's a shared fault state. no matter what you'r at fault 10%. allstate is also BS. they say a hit and run when you can't even see your car is 100% you fault if noone owns up to doing it. and they say snow isn't weather

sound like you've been screwed

600 per month for ONE car. Im the only driver on the policy. ive found a couple for cheaper...like 250 and 300. Just gotta come up with the deposit to start the policy. yea I dont like allstate. I have a pretty clean record...but am under the age of 21.... as of right now but only for a few more months. I havent had any speeding tickets and was in 2 accidents. the one was a blown out tire and they filed it as a accident. im like WTF???? I didnt hit anyone or anything. The 2nd was the truck backing into my car... and my insurance saying i was at fault for parking it there... ugh... stupid allstate.

Monkey-Gein wrote:oh, btw blue.. it's a shared fault state. no matter what you'r at fault 10%. allstate is also BS. they say a hit and run when you can't even see your car is 100% you fault if noone owns up to doing it. and they say snow isn't weather

Hmmm, strange.

I've been in two fairly serious accidents and both times the other driver was found 100% at fault and their insurance took care of everything with no hit to my coverage.

Once I was hit head on by a Subaru in a snowstorm that crossed into my lane and the other was two years ago when I was rear ended sitting at the end of a line of cars at a stop light.








.

i think i got screwed on mine cuz the truck that hit me didnt have insurnace and kept changing his story on what happened. but oh well nothing i can do about it now