Car Insurance Claim Agent refuse to take-home pay WITH bodily injuries on copy?
I got in a coup¨¦ accident at the beginning of the month (I be rear-ended and the fault has already be accepted as the other party's). The passenger in the vehicle right away had swelling on the neck (a huge, red twist that was really hot), so naturally, we both go to see a doctor, as I was incredibly sore and very dizzy. The doctor recommended that we transport two days off (separate facilities mind you), and give us both medication. I alerted both my own insurance and the other party's insurance that we had visited a doctor because of our mortified state. I told them I was waiting to see if my health insurance would cover my own call on, as in most car accident's here surrounded by California, they will not and send it to the car insurance instead of the medical. On that same year, a letter was sent out to both myself and the passenger stating they would compensate X amount for the car's repair and X amount for my own personal losses. I was fine with this and call to accept. When I did so, not only did the agent claim that I own NOTHING wrong with me because the accident wasn't really severe, but that I be lucky to get anything for the car repair itself (the check have already been mailed). The agent claimed that they had NEVER sent out the message stating the X amount they were giving me for my personal losses and that I was lying to cheat them out of money. She offered me an incredibly LOW amount that be highly unreasonable and nowhere NEAR the amount stated on the letter she have personally signed and I stated I would feel better faxing her a copy of the reminder she had sent me already because it was the fairer of the two. The agent go on to state that I should not have seen a doctor because within was NO need and that the reality I LISTENED to the doctor and took just one day past its sell-by date work was my own fault for, and I'm paraphrasing here, individual a "wimp" because I was sore. She ended the conversation by stating she be suspending my claim because I was not cooperating with her and that if I settled to come to my senses she would CONSIDER about a 1/4 of the original X amount surrounded by the letter.
What can I legally do? I own tried contacting auto lawyers but of course this isn't an entirely serious claim and they stated it wouldn't be monetarily worth it. There HAS to be some regulation regarding the fact she sent me a reminder already with an estimate and is refusing to acknowledge that. Is within anything I can do? This is not really about the money so much as just not one swindled by some shady auto insurance company.
Thank you. ANY advice is appreciated. I know its a long shot, but there's got to be SOMETHING. I'm planning on faxing the copy of the signed note stating the amount she sent me as proof that she did, in fact, distribute me that letter with the X amount printed VERY clearly stating the insurance be going to compensate me.
Answers:
Here's what you do: stop dealing next to HER. Call her manager and respectfully request another adjuster. Be polite, but don't budge. Deal directly with the director if you have to -- and keep an undo mind. It's very possible that you misunderstood something about the process and are jump to conclusions. Insurers don't normally settle a B.I. until treatments are completed. Source(s): Old claims guy.
What should you do ? You should very soon do what you should have done in the setting up. You should have let YOUR own insurance touch the entire matter. That is what you bought insurance for. Use it !
Alyssa, I suggest you call a nearby auto insurance agent to assist you. Since I live contained by Vermont I can't recommend an agent in California, but here is an online resource that can help you. http://www.goodinternetdeals.com/Auto-Insurance.html
Good Luck!
at hand is something here that does not make sense.
1st off, do not sign anything;;;;;;;;;;;;;
if the agent you are referring to is the claim adjuster and made set aside in writing, then subsequent denys or infers you are commiting fraud or something else, is something i never heard of;
call the insurance department today. see if you can folder a complaint.
you may need to provide copy of the letter and state your objection. at that point, they have to provide an answer.
now you will involve to clarify who made offer and who pulled back propose of lower amount. if this is a adjuster, then the insurance company will have to comply, but if this is an insurance agent, not a adjuster, may requirement to contact another agency for help.
also, since this the state of California, different rules/regulations may apply, so the reason for contacting the insurance department.
the reality that other lawyers wont handle, may indicate you have to meet dependable "thressholds" for an injury.
also; if you have auto and hopefully you do, contact your own insurance company for advice.
once you sign something, you are done and will hold no other recourse. so get some advice 1st on your rights.
You can contact your state's insurance department. File a bad conviction complaint. Furnish anyone who wants to see it, a copy of your letter. Hold onto the imaginative.
You can sue the other driver in small claims court if your total claim is under $7,000...including property twist.
Find out who is the claims manager for the other company. Contact him direct and send him a copy of your communiqu¨¦.
I am not sure about California. In other states there is no dollar constrain on damages when an insurance company is guilty of bad faith. Source(s): Retired claims adjuster.
Why are you not going through your own carrier? Something doesn't nouns right here. First, I'd really like to know how much the damage be to your vehicle and the type of cars that were involved.
I work with Bodily Injury settlements here contained by Calif. and have never heard of another adjuster making remarks resembling you've stated.
I doubt the Dept. of Insurance would even involved in a 3rd party claim such as yours. There is no set formula for these types of settlements. An adjuster have to look at the entire scenario, that includes the impact to both vehicles.
Good Luck to you Source(s): Claims Adjuster 17yrs
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What can I legally do? I own tried contacting auto lawyers but of course this isn't an entirely serious claim and they stated it wouldn't be monetarily worth it. There HAS to be some regulation regarding the fact she sent me a reminder already with an estimate and is refusing to acknowledge that. Is within anything I can do? This is not really about the money so much as just not one swindled by some shady auto insurance company.
Thank you. ANY advice is appreciated. I know its a long shot, but there's got to be SOMETHING. I'm planning on faxing the copy of the signed note stating the amount she sent me as proof that she did, in fact, distribute me that letter with the X amount printed VERY clearly stating the insurance be going to compensate me.
Answers:
Here's what you do: stop dealing next to HER. Call her manager and respectfully request another adjuster. Be polite, but don't budge. Deal directly with the director if you have to -- and keep an undo mind. It's very possible that you misunderstood something about the process and are jump to conclusions. Insurers don't normally settle a B.I. until treatments are completed. Source(s): Old claims guy.
What should you do ? You should very soon do what you should have done in the setting up. You should have let YOUR own insurance touch the entire matter. That is what you bought insurance for. Use it !
Alyssa, I suggest you call a nearby auto insurance agent to assist you. Since I live contained by Vermont I can't recommend an agent in California, but here is an online resource that can help you. http://www.goodinternetdeals.com/Auto-Insurance.html
Good Luck!
at hand is something here that does not make sense.
1st off, do not sign anything;;;;;;;;;;;;;
if the agent you are referring to is the claim adjuster and made set aside in writing, then subsequent denys or infers you are commiting fraud or something else, is something i never heard of;
call the insurance department today. see if you can folder a complaint.
you may need to provide copy of the letter and state your objection. at that point, they have to provide an answer.
now you will involve to clarify who made offer and who pulled back propose of lower amount. if this is a adjuster, then the insurance company will have to comply, but if this is an insurance agent, not a adjuster, may requirement to contact another agency for help.
also, since this the state of California, different rules/regulations may apply, so the reason for contacting the insurance department.
the reality that other lawyers wont handle, may indicate you have to meet dependable "thressholds" for an injury.
also; if you have auto and hopefully you do, contact your own insurance company for advice.
once you sign something, you are done and will hold no other recourse. so get some advice 1st on your rights.
You can contact your state's insurance department. File a bad conviction complaint. Furnish anyone who wants to see it, a copy of your letter. Hold onto the imaginative.
You can sue the other driver in small claims court if your total claim is under $7,000...including property twist.
Find out who is the claims manager for the other company. Contact him direct and send him a copy of your communiqu¨¦.
I am not sure about California. In other states there is no dollar constrain on damages when an insurance company is guilty of bad faith. Source(s): Retired claims adjuster.
Why are you not going through your own carrier? Something doesn't nouns right here. First, I'd really like to know how much the damage be to your vehicle and the type of cars that were involved.
I work with Bodily Injury settlements here contained by Calif. and have never heard of another adjuster making remarks resembling you've stated.
I doubt the Dept. of Insurance would even involved in a 3rd party claim such as yours. There is no set formula for these types of settlements. An adjuster have to look at the entire scenario, that includes the impact to both vehicles.
Good Luck to you Source(s): Claims Adjuster 17yrs
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