by Guest » Tue Jan 11, 2011 04:36 pm
While on vacation about 4 months ago, my car was stolen out of my driveway and from what I can gather from the police, was taken for a joyride, dumped in a field and burned to the ground. Needless to say, when we got the call from the police we were dumbfounded. We were vacationing 12 hours away and couldn't leave bc we were attending my brother's wedding. When we got home we did everything right, went to the police (two different stations, one for arson one for burglary) got our paperwork in order, and filed with our insurance company. For the last 4 months we have cooperated with them, by providing statements, police documents, telephone records, all our personal information along with relative information, basically anything they asked for. We have been treated like criminals by them from day one, we even sat through a 4 hour deposition to testify on record about the events that took place. Now still after 4 months we have gotten no farther along in this "case", we are still getting requests for documents from their lawyer, things we have already sent them (twice!), and they want 4 months of phone records from us that have nothing to do with the case (I feel) and it's just making us feel violated and being taken advantage of. If this matter isn't closed soon, what should we do? The police do not seem to be getting anywhere with the case either.
Posted: Tue Jan 11, 2011 06:07 pm Post Subject:
You can always file a legal action against your insurance company, but they usually have to deny your claim first (or take no action at all). Apparently that hasn't happened yet.
Your best -- and least expensive -- remedy at this point is to file a complaint with your state's Dept of Insurance immediately. The "charge" is UNFAIR CLAIMS PRACTICES. It won't cost you a penny, and will take only a few minutes.
The DOI will contact the insurance company about your complaint and give them about 21 days to respond as to what the situation is. In many cases, getting the inquiry from the DOI causes the insurance company to get off the pot and pay the claim -- because they don't want the DOI looking into all their other claims files to discover that they are doing things like this way too often.
Here in CA, United Healthcare is facing a potential $10 BILLION fine for its unfair claims practices -- more that 1,000,000 violations at a maximum fine of $10,000 EACH.
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