insurance adjuster…?
Posted on Mar 12, 2008 under Insurance Information |i got into an accident a few weeks ago, the other party was at fault. I am trying to deal with their insurance but the insurance adjuster says they don't have a current contact number for their client and insists i go through my insurance to collect the damages to my vehicle, loss wages, rental car and personal injury. This sounds like a manipulation tactic. what should i do?"
I live in California.
March 12th, 2008 at 7:26 am
take it to court
March 12th, 2008 at 7:26 am
I have never dealt with someone else's insurance company with regard to an accident, no matter who is at fault. I have ALWAYS used my insurance carrier to settle the details.
March 12th, 2008 at 7:26 am
H-m-m, if you reside in a no-fault state, the adjuster is correct. Tell me what state you live in and I'll try to let you know what to do next.
California, oh great… Sorry. This is what I found:
"You’re sitting at a stop light. You look in your rear view mirror and see a car speeding toward you. There’s no place to go, as there are cars beside you and in front of you. The car is approaching faster and faster, until WHAM! it runs into the back of your car.
When it comes to auto accidents, a great deal of finger pointing goes on. Everyone wants it to appear as if they were not at fault because they know their car insurance premiums will go up. Worse yet, their policy might be canceled.
File a claim with your insurance company as soon as possible. Many insurance companies allow you to file a claim at their website 24/7. This is exceptionally convenient for those who do not have a local agent, or when traveling out of town.
It’s a good idea to visit the website of your car insurance company and learn about their claims procedures. Regardless of whether the accident is your fault or not, your insurance company will handle the claim process as your personal advocate.
If you’re involved in an accident that wasn’t your fault, the other driver’s insurance company might contact you to obtain your statement. Use caution when speaking with the other company. They are doing everything they can to not pay the claim and are known for using tactics to trip you up."
Conclusion: Call your insurance company.
March 12th, 2008 at 7:26 am
You have to realize there is nobody at that insurance company that works for you, or is employed to protect or serve you. However, there are people at your insurance company that offer those services to you, and you have paid for that service in your premium. I suggest you use the services you have paid for.
March 12th, 2008 at 7:26 am
Are you sure the other party is at fault? Did you make a police report? Do you have witnesses? If you said yes to all the above, go ahead and open a claim under your policy so you can at least get your damages paid. Ask your claims adjuster to waive your deductible. They will subrogate against the other party to pay back the damages paid out. If you were injured, and it turns out the other party lied and doesn't have insurance, then open a uninsured motorist claim for your medical issues. Just make sure you have ID on the at fault party so your adjuster can go after them. If your damages are over 750.00 (I think) your adjuster should report it in to the DMV and the at fault party will loose their drivers license if he's not insured. It's not really a manipulation tactic, the other insurance company does need to speak with their insured to get his side of the story.
March 12th, 2008 at 7:26 am
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