Is this enough compensation? Disney totaled my minivan

As Joyce Dunne was checking out of Disney’s Grand Floridian Resort & Spa in Orlando recently, a cast member slipped her some bad news: Her Honda minivan had been damaged by the parking valet.

And how.

When she arrived on the scene of the collision, she found “pieces of the vehicle scattered everywhere.” Her van had been totaled in a collision with another Disney vehicle. Curiously, the driver had been “removed” from the scene, and when Dunne said she wanted to call the police to file a report, she was told she couldn’t because it happened on private property.

A Disney representative assured her the company would take full responsibility for the accident. But Dunne says the Mouse shortchanged her, leaving her car-less and without any recourse.

After filling out a claim form, her insurance company, Allstate, cut her a check for only $6,898.

“That amount does not account for even one half of my minivan’s value,” she told me. The 2003 Honda Odyssey had 120,000 miles on it and was in “very good” condition.

Related: In today’s edition of the smarter consumer, find out how to avoid the spam scam.

Insurance companies use various formulas to calculate the actual value of a car, which can include its own estimate, the National Appraisal Guides and Edmunds. Drivers almost always end up with far less than they believed their car was worth, but that’s an insurance industry problem — not a Disney problem.

What could Disney control? Well, plenty.

First, let’s consider Dunne, who describes herself as a loyal Disney guest since 1971, the year the park opened. Wow. That’s a long time. She had stayed at the Grand Floridian for 12 days, an epic vacation length even by European standards. You’d think Disney would have a valuable guest like this tagged in its system somewhere.

Instead, the insurance claims process seemed to take forever. Weeks went by before she heard from anyone in the claims department, she says. A rental van she’d been offered as a courtesy had to be returned before she could find a new car.

“We want Disney to care about guests who have just spent a lot of money at one their top resorts for a long stay, especially since these guests did nothing wrong,” she told me. “We have been victimized.”

OK, that may be a little dramatic. There are three players here: Disney, an outside valet company called City Nights Valet Inc., and their insurance companies. I agree with Dunne that the buck stops with Disney. But it can’t control the amount of money that its insurance company pays, and it has a limited amount of control over the valet company.

I think Disney might have done a better job with this incident.

First, Dunne was well within her rights to call the police after the accident. She was entitled to an apology and to have her claim processed quickly. Finally, Disney could have explained the process better to her, if not done something to make this loyal guest feel as if her business was appreciated. (Isn’t that the kind of treatment we’ve come to expect from the happiest place on Earth?)

Instead, a written appeal to the general manager of the Grand Floridian had gone unanswered.

I contacted Disney on her behalf. A representative called Dunne, apologized for the way in which her accident was handled, and offered her a free one-night stay at the Grand Floridian.

“I said, ‘No, thank you,’” says Dunne. “I must pursue this matter further.”

Update (9:30 a.m.): I’ve clarified this post to reflect the fact that Allstate, not Disney, cut Dunne a check.

(Photo: Express Monorail/Flickr)

  • Anonymous

    Did some reading….Disney Security are NOT Law Enforcement officers. A call for the police would have been transferred to the Sheriff’s Office. They likely would have responded to a “major” accident. Disney Security often holds themselves to BE police, but they are NOT, even though they investigate accidents and issue reports.

  • Rosered

    Good point, Irv, and to expand on that, when my car was hit by another (totally their fault), my insurance co. offered to pay for repairs and then obtain reimbursement from the at-fault driver’s company.  When I inquired, I was told that by accepting my insurance co.’s money, there would be a notation on MY insurance of an accident, even though it clearly was not my fault.  I chose to have my co. pursue the other company, but it made me think twice about handling a future claim the same way.

  • Delivron

    Unfortunately this is life with an insured vehicle.   Depending on the state she lives in the insurance company is only required to pay the fair market value of the vehicle.   The offer may have been low from the insurance company.  Generally you give a car to a valet it is park at your own risk.  

    Disney may have handled this poorly and I will agree.   If the insurance check has been cashed it may be too late.  Disney could well afford to have done better in light of this unfortunate incident.
      

  • Alfred

    We used to live on a narrow street with all the parking being in the street. Accidents with parked cars were common.  We got hit three times over about three years. Once somebody slid on the ice, once was a teenager just learning to drive, and once was a repeat offender DUI driver who ended up going to jail.  In every case our insurance settlement was for the amount of our cheapest estimate. Not a penny more from the drunk who had no license at the time.   And the person who slid on the ice didn’t do much damage so we didn’t even call the police we just got their insurance info. and that case processed exactly like the others where there was a police report.

  • Btachee

    $7k was fair for her van.  We traded a 2003 Oddy in 2008 with 80k and didn’t get much more than that.  That was 3.5 years ago!

  • Upita

    Kelley Blue Book lists the private sale price of a 2003 Honda Odyssey in Very Good condition as $6,669 – less than what Dunne was paid by her insurance company.

  • Brooklyn

    Most people have an inflated sense of he value of what they own.  That said, Disney should have bought her a new van.  Yes a new van, just for the  massive inconvenience. 

  • Vegasbaby

    It’s because people are not realistic.

  • VegasBaby

    That’s the way insurance works.  Her company pays, she subrogates to them so they collect.  Of course they could have paid her, not resulting in an insurance claim.  But they were jerks.

  • VegasBaby

    If the parties are not present when the police show up to an accident they can easily cite for leaving the scene.  Shame on her for not dialing the police in the first 2 minutes of being there.

  • Michael

    Immaterial to the lady. The insurance was going to pay the same amount regardless.  To get any additional compensation, she’d have to of declined the insurance offer and sued. But she wasn’t going to win big in court because there weren’t any additional damages–no bodily injuries, just an old van totaled. Her attorney bills would have been more than what a brand new van would cost.

  • Michael

    Immaterial to the lady. The insurance was going to pay the same amount regardless.  To get any additional compensation, she’d have to of declined the insurance offer and sued. But she wasn’t going to win big in court because there weren’t any additional damages–no bodily injuries, just an old van totaled. Her attorney bills would have been more than what a brand new van would cost.

  • Hcollins

    She IS a victim.  While I haven’t read EVERY post, I haven’t read any
    comment that portrays her being  a victim on the same level of a rape victim.

    “a person who suffers from a destructive or injurious action or agency: a victim of an automobile accident.”  Don’t have to have physical injuriesto be a ‘victim’.  Actually this definition should include, phrases like that’innocent party’, ‘through no fault of their own’. 

  • Hcollins

    I really think she should have insisted on the police because this was
    a situation of ‘leaving the scene of an accident’, as they clearly
    admitted he was not there during the time she met with Disney reps
    at the location.  The police do NOT take kindly those who do this.
    What were they going to do …NOT let her make a phone call?  They
    had no way to stop her.  Her mistake was listening to them.  If she
    would have been smart enough to make the call herself, she probably
    (and obviously didn’t) think to get to a police station and file a report of
    the person leaving the scene of an accident.

  • Hcollins

    So they stepped up.  Big deal…don’t give them credit for doing the
    right thing.  Our society has become so numb to a lack of accountability
    and responsibility, that when some actually DOES own up, we are
    grateful. 

    The compensation that Disney so graciously offered was an insult.  They
    had just ruined this family’s vacation, where one is supposed to have
    fun, etc, and now all their focus was on this MAJOR event..yes losing
    your car, away from home, is traumatic.  The compensation should reflect
    the level of ‘mea culpa’ the injuring party feels they have inflicted on
    those receiving the injury.  Clearly, Disney didn’t feel too bad about
    all this. 

    That’s just TOO bad, if she had the rental for longer that Disney would have liked.  If was because OF Disney that she was in this situation in the FIRST PLACE! How much money do YOU have lying around to spend on a
    car?  She had to wait until she got the check, to put that amt to a new
    car.  Then she either had to take a loan out (read: take on debt she
    probably would have preferred not to) or go out to her magical money
    tree in the back yard. 

    Where do you see in the post that the driver was taken to the hospital??

  • Bill

    Kiester – it is any damage to the vehicle in excess of $1000.  If your transmission goes, that is not a report, but if something gets banged up, then yes, private property or not.  No one is allowed to fix it unless they have the police report.  The repair shop has to then take the report and ekeep it on file, I think.

  • Csbellasbooks

    If you check Kelly Blue book (kbb.com) the private party resell value of that type of car in excellent condition is a around 7000$.  So I’m not sure what she wants.  You don’t get a better car after an accident just back to your pre-accident state.  That is exactly what the insurance company gave her.  There are comments that Disney gave her nothing.  Question, what are they supposed to give her. Free stays at Disney for the rest of her life or a brand new car?  Get real.  Either Disney or the valet company will have to reimburse the insurance company in the long run.  I think an apology and refund from valet (of course) should be in order.  As for the comment about the person being removed from the scene.  It is carefully worded but it doesn’t say where he went.  Even if he wasn’t hurt, anyone who has ever dealt with on the job injuries or accidents knows the first place that employee goes is to a medical facility (ER or MD’s office) to do a workman comp evaluation.

  • Rosered

    “Even if he wasn’t hurt, anyone who has ever dealt with on the job injuries or accidents knows the first place that employee goes is to a medical facility (ER or MD’s office) to do a workman comp evaluation.”  Excellent point, CS.  Anyone who drives on company time will have a drug eval done, which can speak to liability issues.  I don’t know if that is something that anyone can sue to have revealed, or that the court can force transparency, but I’m sure it won’t be willingly released.

  • Nobody

    Is this the same Disney World that made headlines for covering up all the rapes of guests by Disney employees/contracted help with card-swipe hotel door keys?

  • Pauletteb

    My car was sideswiped by another in a mall parking lot. I called the police, and the officer filed an official report, which her insurance company demanded to see before paying for my repairs. The officer also wrote her a ticket having outdated proof of insurance. In Connecticut, reporting a vehicular accident, regardless of where it happens, with damages over a certain amount is required by law. The valet company knew that a police report would not be in their favor and so lied to the OP. Private property or not, she had every right to call the police and file a report.

  • Linda Bator

    in Connecticut – but she was in Florida, and as someone who had someone hit my car in much the same way – the police don’t go to private property UNLESS injuries occur — you just call or go in, make a claim, and use that to file with your insurance.

  • Linda Bator

    AMEN!  The courts don’t care about her sense of entitlement to a new van — and that is all this case REALLY comes down to, isn’t it?

  • Linda Bator

    Actually, it states she feels her van is worth twice what she was paid — closer to a new van than an old one with 120K.  And insurance doesn’t give you more money because YOU feel it was worth more — she wnet shopping for a new van — doesn’t sound like she just wanted it replaced at all. 

  • Linda Bator

    I am wondering if this is the same Joyce Dunne who is a travel agent from Michigan?  That may have an impact on the offer from Disney for free nights, as she may not have been paying quite as much as folks may think!

  • Rosered

    Broad question to anyone…how would the police know if there was an injury from this accident unless they followed up on the driver who was removed from the scene?

  • Mfortier

    My 5 day old car was also totaled at the Grand Floridian by the valet this year. It seems that they may have a problem! And, the valet company’s insurance will not pay for it. It was completely the valet driver’s fault but they do not care at all. Whatever you do, don’t valet! I am also a loyal guest but it does not matter at all. But I do have to say that the police did come out.

  • Mfortier

    I Valeted at the grand Floridian and 8 minutes later my 5 day old expedition was totaled when driven into a palm tree in the parking lot. The police came, the President of the valet company was on the spot, managers of the resort were there, all saying they were going to take care of this. They gave us a car to drive home, but once we were gone, they were done with us. Their insurance company will not pay and Disney does not want to know anything about it as the valet company is contracted out. It is Disappointing that Disney does not make their contracted labor treat their guests better. My trip was ruined and the aftermath is still ongoing! My car was only 5 days old, therefore the insurance company(Chubb) for Cars Valet out of Orlando says the claim is too big and they don’t know how to handle it! Unbelievable! I am considering a suit against the driver and the valet company just because of the annoyance. I think if you got anything it was a miracle because they certainly won’t pay for my car and the police did come out to the parking lot. He hit a palm tree at 45 miles per hour after going only 70-75 yards.

  • Rosered

    Sounds like a copy of the correspondence you have should go to your state’s insurance commissioner.