by Guest » Tue Dec 18, 2007 11:39 pm
I was involved in a accident were I was backed into in parking lot no fault of mine. This happened on Oct. 15, 2007. I have spoken to the insurance company many times about when this would be settled. The last time I spoke with them they said that they had to mail a letter to insured and then I would receive my check. Still have not seen and this was last Thursday. Is there a time limit? What can I do about this?
Posted: Wed Dec 19, 2007 04:47 am Post Subject: may be this is what they feel..
Hi denisedaisy!
I do believe that there has to be a time frame for every legal process. But at the same time, there may be cases where in the carrier would hold back your claims processing due to an investigation upon your claim. If that is the reason then I can't say how fast you'd get over it.
Regards,
ArindamSenIndies
Posted: Wed Dec 19, 2007 05:09 am Post Subject: information
Hi,
What I've seen in most of the cases likewise is that the party-at-fault's liability (property damage) would be paying for the damages done to the property belonging to the not-at-fault party!
In case you are not-at-fault & the offender doesn't carry liability then you may get covered under your Uninsured Motorist coverage. But yeah, to avail the coverage you need to prove that you're not the party-at-fault.
I'm just hoping that the other party has the ticket against their name & that you have the contact information of all those involved as well as of the witnesses (if any). I hope if you need the information whether anything associated with the other party has been properly registered or not, then you'd better visit the DMV office & ask. But then keep us updated of what follows.
Thanks,
Ceciltwist
Posted: Wed Dec 19, 2007 05:10 am Post Subject:
This is simply outrageous, what exactly is their issue now?
My friend, the at-fault party's insurer can trudge any distance if it saves money for them. And I believe, the same thing is happening in your case also. Have you received any response form your insurer.
Ask your agent, whether there is a scope for you to file the claim with your insurance company or not. Your insurer will pay for the claim and then will go after the other party's carrier to recover the amount paid towards the claim, including the deductibles paid by you. This is called subrogation. If this avenue is open it'll save the run -around for you.
Please keep us updated with the latest developments of the case.
Posted: Wed Dec 19, 2007 05:45 am Post Subject:
My friend, I'm convinced that all claims need to paid within a particular time frame. This payment procedure is sometimes guided by some state laws or clauses. But that doesn't reduce the need for settling claims & handling them sooner by your carrier.
There are quite a few factors that determine the time required for the processing of your claim, once it gets managed & arranged. This would surely enable you to avail the services of a rented car.
Most of the carriers would maintain a 48 hour waiting period within which your claims adjuster would pursue your claim. But during this entire process you do have the right to get in touch with your claims representative & know how much time they would take (presumed) in order to process & reimburse. At the end of it if you are left uninformed, I think you should walk into the State Dept. of Insurance. Keep in touch!
Malice_green
Posted: Wed Dec 19, 2007 01:31 pm Post Subject:
Good morning denisedaisy, and welcome...
I'm guessing that the other party is not responding to their own company and that's the hold up...STILL it has been WAAAAAAAAAAAAY too long...I would call them again, ask to speak to the adjuster's supervisor, explain that you have been fully cooperative, and this is absurd! And that you want an answer within 48 hours re: are they paying your claim or not! and if not why...or you will file a complaint with your states dept of insurance, then do it! (all have websites, and most you can file the complaint on line)....
Roddick is correct if you have collision coverage your carrier can handle this (minus your deductible) then subrogate the other carrier...EVENTUALLY you should recoup your deductible...
However, Ceciltwist, there are a few problems with your post....I'm sure this isn't the case,
In case you are not-at-fault & the offender doesn't carry liability
because they would've already denied the claim due to no coverage...also then you may get covered under your Uninsured Motorist coverage
Uninsured motorist coverage (generally speaking) is for injuries ONLY that are caused by an uninsured driver..unless in the rare instance when an insured carries UMPD (uninsured motorist property damage) all states don't have this coverage available. And those that do most people don't buy it anyway, especially if they have collision coverage...This is a common misconception...UM (as the term is commonly used and required in many states) covers injuries ONLY.My friend, the at-fault party's insurer can trudge any distance if it saves money for them. And I believe, the same thing is happening in your case also.
I don't agree with this...The adjuster WANTS to pay the claim and be done with it...''THE ONLY GOOD CLAIM IS A CLOSED CLAIM''..I hear this alot and really have never found a situation that this is true (in P&C claims)....however there are plenty of ''lazy'' adjusters... :roll:There are state guidelines (also available on most DOI sites) regarding the time to investigate a claim and either, ''pay, deny, or request/advise additional time is needed for an investigation"
Please call the rep's supervisor as I said giving them your expectation, and also might not be a bad idea to review or talk to a comsumer advocate with your states DOI first so you have the facts prior to talking with them...
Please let us know, and if we can be of any further assistance.
Posted: Thu Dec 20, 2007 06:04 am Post Subject:
I spoke with the insurance comm today and they are having me file a complaint this company is famous for doing this with their claims apparently. I spoke back to the insurance com. after speaking with the ins. comm. office who informed me that they have 60 days to accept or deny liablity in this claim. That time has passed, when I asked the adjuster and his supervisior about this 60 days, they said then know of no such law since I am not their client. I could just scream. I have filled out the paperwork and faxed to the insurance comm. and they said they would be investigating. Any other suggestions in the meantime? I asked the insurance co. if they have accepted liablity yet and they said no. My insurance is prepared to pay for this, but they need a denial letter for the other persons insurance first.
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