by Guest » Tue Jul 29, 2008 01:15 am
well here it is, my truck was stolen july 5. when i found out i reported it to the the police and insurance company immediately. The claims rep so far is very nice and helpful. they found my truck 3 days after i reported it stolen, the claims rep calls me and tells me that it is a total loss and that it has been burnt up. the claim rep came to my house and took a recorded statement from me with the details of what i was doing during the moment the truck was parked at a train station. of course the insurance company give me a rental, i ask my claims rep what should i expect next? he says that they have to actually check the truck out and do a couple of other thing in regards to paperwork. I then explained to him that i have to drive roughly 30 miles a day each way for work how long will i have the rental for. 30 days, so now we are 23 days into the claim and everytime the claims rep "updates" me he basically says it is still being investigated. But no one is actually telling me what is goin on, at first they were checking at the train station for cameras, i havent even heard anything about that. i tried to call my claims rep today, he is off on mondays. so i spoke with another claims rep who left a message for a supervisor to call me back. i explained to the claims rep that im getting concerned because we are coming up on the 30 days on the rental and i need to figure out how i will get to work everyday, it would be nice if i had a time frame in which this will be wrapped up. he left a message for the supervisor to call me bcak, i was at work and couldnt answer my phone. the supervisor basically said in a very authoritative tone that the rental expires on the 30 mark and that i am responsible for anything after this, and that they reserve the right to investigate the claim beyond this time frame. not once did i ever yell at anyone or the tone of my voice ever go beyond being polite. whats the deal here, i dont appreciate this guy basically just tellin me so what its your problem. I mean that is how i feel right now, he also went on to say that the claims investigator will be contacting me to collect a statement from me. i already gave a statement to my claims rep. what should i expect from here, i have no other way to get to work and i have a feeling that this is going to beyond 30 days. thanks
Posted: Thu Aug 28, 2008 05:33 pm Post Subject:
so, what should i expect?
That the sun should rise in the morning. This is about all we can count on. :) If I were to guess I'd say there is a 99.99% chance that they will pay the claim. I think it would have stayed with the SIU investigator if not. The adjusters supervisor probably just needs to okay the payment since it was in SIU.Posted: Thu Aug 28, 2008 05:44 pm Post Subject:
LOL, you made me laugh with the sun comment!!! i will be sure to update you guys if i hear anything else. thanks for all of the advice.
Posted: Thu Aug 28, 2008 06:20 pm Post Subject:
The claims reps supervisor will follow what the SIU guy's recommendation is...if he recommended denying the claim then it would have to go higher than the supervisor to get a rubber stamp on the denial....if the siu guys opinion is that they should pay the claim (can't prove anything in court)....then the supervisor will just have to put something in the claim telling the rep to pay it...sounds like you are on the home stretch now....
so, what should i expect?
To have to pay taxes and eventually croak. :wink:Posted: Fri Aug 29, 2008 02:11 pm Post Subject:
i just spoke with my claims rep and he said that his management is scheduled to look over everything the middle of next week and that i should hear from him by the end of next week. the investigator said that i should have an answer by this friday (today). im really frustrated now, should i give them their week of should move forward and ask them if they could do this any sooner? i dont know what to do at this point, i dont want to file a complaint and seem like an a$$hole towards them but this i going on 2 months now. any suggestions? thanks
Posted: Fri Aug 29, 2008 04:16 pm Post Subject:
I can't tell you what you should do, that is up to you. But I'll mentioned that I doubt they would speed up the process as it's only a week (and a long weekend before then). I understand it's frustrating on your end and if you did nothing wrong you should not have to wait.
Posted: Fri Aug 29, 2008 07:13 pm Post Subject:
"It MIGHT just be that" ALL the managers are at a meeting that has went on all week...doubt that pushing will accomplish anything at all this week....I would however call tues/wed/thurs/friday...siu guy probably didn't realize that it is 'possible' there was a meeting/conference..that didn't complete till late today, then travel back.... :wink:
Posted: Mon Sep 08, 2008 06:30 pm Post Subject:
just spoke with the claims adjuster, and they are denying my claim stating that it was an intentional act on my part. i asked how is it determined that i did this? i was no where around. they went on to say that i should recieve a letter in the mail shortly. im am so upset right now, i almost typed in some words that wouldnt have been appropriate!! what are my options from here? I had absolutely nothing to due with this. i feel so sick.
Posted: Mon Sep 08, 2008 09:57 pm Post Subject:
Oh my gosh...well I will say they never deny a claim for this reason without A LOT of information to back it up...after you get the letter let us know EXACTLY what it says, we'll be in a better position to advise you then...whether the DOI, or a private attorney is the way to go...so sorry you're having such trouble hang in there...
Posted: Mon Sep 08, 2008 10:04 pm Post Subject:
i cant even fathom why this would be the outcome. i am so depressed right now. i wanted to scream at the claims rep when she told me this, but i told myself to stay calm, dont do anything that work against me later. i will be sure to update you as soon as i get the letter.
Posted: Tue Sep 09, 2008 09:31 am Post Subject:
You did the right thing staying calm, wasn't her decision anyway I assure you...that came from a couple of steps above her...try to remember that if you are clean this will come out just fine....try not to be too upset, I know that's easier said that done....we'll do all we can to assist you , in the mean while start doing some research on some HIGH powered attorneys in your area that maybe even have battled Progressive before, if this turns into a bad faith claim that ''could'' be big money...start checking around...and no fly by night ambulance chancers...
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