Auto insurance trouble... need advice!?
Don't YOU sign anything until the check clears. You don't have to give them the salvage rights. You should not sign any releases. Your settlement should be for the damages or value of the car only. Nowhere in your policy does it say that they are buying your car when they pay a settlement. You still own the car. You however, of your choosing may sell or give the salvage rights over to whomever you please. The salvage rights transfer is a totally separate transaction from the settlement. Your insurance company is crooked. Is it Allstate?
Car insurance claims, problems, ?
Just to clarify- insurance doesnt go looking for ways to get out of paying. I know i know that sounds laughable.. but i sware. Ive worked at two major companies and neither has EVER said to me "hey- tell the customer its wear and tear and see what they say so that we can get out of it!" That being said- alot of people try to take on extra repairs and take advantage of the situation when there car is hit. Im not saying you are- im just trying to tell you where they are coming from. There are certain ways they could KNOW it wasnt related... lets say the other damage from the accident didnt come near your radiator.. and your radiator was heavily rusted. Sometimes regular maintenance just happens to come along right when something else like this does. You said yourself that your radiator wasnt touched at this latest tune up.. its been 8 years.. maybe its time! Im not saying your right.. im not saying they are right. Im just saying you need to listen to their reasoning and they need to do the same. How about you suggest taking it to an independent body shop for a 2nd opinion? that body shop has no reason to lie and will tell if they feel its related or not. Again- please just be reasonable and 99% of the time unless you get a dud... your adjuster will too.
Insurance claim, trouble with the loss adjuster?
I am in the process's of making an insurance claim for jewelry (worth £8k)which was stolen. When I took out the policy I made it very clear to insurance salesman that I didn't have the receipts for 4 items that I wanted specified in my personal possessions on the policy. the salesman told me that's not a problem and as long as I get valuations and submit to the insurance company within 30 days of the policy starting I will have no problem insuring these items or making a claim if anything happens.So I got valuations done and submitted them and having a letter to prove this. After the thieft I had a visit from the loss adjuster. He said that basicly the valuation were not worth the paper they were written on and that I have to produce receipts. I explained what I was told about not needing the recpits and he said that valuations can be used when taking out a policy but recpits must be produced when making a claim!! I have ready my policy booklet and it dont say anything about recpits being needed. It just says that the insurer will pay the value of the item which can be proved from the valuations. Does anyone have any advise? Why is the loss adjuster saying my valuations are worthless when (Abbey) the insurer accepted them and why is he insistion on recpits when i made it clear when taking out the policy that I had none? My policy booklet says anything about recpits being needed. Thanks
Insurance claim, trouble with the loss adjuster?
I am in the process's of making an insurance claim for jewelry (worth £8k)which was stolen. When I took out the policy I made it very clear to insurance salesman that I didn't have the receipts for 4 items that I wanted specified in my personal possessions on the policy. the salesman told me that's not a problem and as long as I get valuations and submit to the insurance company within 30 days of the policy starting I will have no problem insuring these items or making a claim if anything happens.So I got valuations done and submitted them and having a letter to prove this. After the thieft I had a visit from the loss adjuster. He said that basicly the valuation were not worth the paper they were written on and that I have to produce receipts. I explained what I was told about not needing the recpits and he said that valuations can be used when taking out a policy but recpits must be produced when making a claim!! I have ready my policy booklet and it dont say anything about recpits being needed. It just says that the insurer will pay the value of the item which can be proved from the valuations. Does anyone have any advise? Why is the loss adjuster saying my valuations are worthless when (Abbey) the insurer accepted them and why is he insistion on recpits when i made it clear when taking out the policy that I had none? My policy booklet says anything about recpits being needed. Thanks
False Insurance Claim?
I was driving home one night and I fell aslee at the wheel causing me to run into the back of a parked car. Since i had been drinking I started my car and drove off. I called my insurance a couple days later and filed a claim saying I rann off the road and hit a fence. They have my recorded statement already and I went today to pick up my check. When I arrived at the office they told me that they needed to do some more investigating to the claim. I also got into a wreck about 5 months ago where a car did hit me and ran off. Is the insurance company wondering why I have been in two wrecks and no other party involved? Is the standard to investigate? What would happen if I came back and told them the thruth? Most importantly AM I STILL GOING TO GET MY CHECK?
Can I get in trouble for lying to the insurance company about the date of an accident?
You do have a problem. You lied. The insurance adjuster will decide if this lie has enough weight to void your claim because it is seen as misrepresentation. You will have to see what happens. In Alberta if a claim is $1000 or more it also has to be reported to the police. You need to check if you need to do this where you live. The last thing you need is a fail to report the accident. Insurance companies deal with fraud all the time. There are two types of fraud. Premeditated fraud is when you stage an accident or an event, an example would be staging a break-in to your home. Opportunistic fraud is when you inflate the legitimate claim. An example would be claiming a 52-inch TV when you actually owned a 36-inch TV. It doesn't appear that your case falls under these two situations. I would suggest that when you talk to the insurance company you tell them that you got flustered then you realized that you had done something wrong and you made the correction. One would hope that you would have done the "right thing" in the long run. You surely were not planning on ending up in criminal court! This is a question of ethics and one that is never too late to address. Do you do or not do something because it is right or wrong? Do you do something that is wrong if you think you won't get caught? You can see the difference. So perhaps this is a lesson that you have received at a good time in your life. Good luck.
Can I get in trouble for lying to my car insurance? I rear ended someone but they didn't want to call the police and we didn't exchange numbers or any information, days later my brother filed a claim that the damage happened while the car was parked.
Short answer: Yes, that’s insurance fraud, which could be considered a criminal offense, depending on the circumstances.Long answer: If you are an eligible driver on the policy (or implicitly covered as an unnamed driver on your brother’s policy), regardless of if the damage was caused in an at-fault fender bender or while unoccupied, there would be no financial incentive for you to lie about it. A hit and run collision claim (which is what it would be if you claimed the damage happened by an unknown source while the car was parked), is still going to be considered a chargeable accident on your insurance, and you would still be on the hook for your collision deductible (assuming you have collision coverage), since you are unable to identify the driver who caused the damage. You might as well tell your insurance what actually happened and not deal with the possibility of getting caught in a lie.If you are an excluded driver on the policy and therefore not eligible for insurance coverage while driving that vehicle, and you make a claim that causes a payout, you and/or your brother could potentially face felony fraud charges.CA Department of Insurance: Insurance Fraud is a Felony
When can I make car insurance claims?
There are specific scenarios in which you can apply for a claim from your car insurance providers. Listing down some of the common ones-· Fire- You can apply for a claim when your insured vehicle is caught in a fire.· Vandalism- When the insured vehicle is vandalized or sabotaged in any riots or any other situation like that.· Theft- You can apply for claim if your personal belonging is stolen from a locked vehicle.· Collision/Accidents- This claim is made when the insured vehicle is met with an accident.These scenarios may or may not be claimable depending on the type of insurance and insurance provider.According to policy insurers, there are specific predefined no. of days within which you can apply for a claim or reimbursement. After that date, you become ineligible from applying for any kind of claim. Contact your policy provider and get details about these specifications.Insurance companies use your claim history to access how much you could cost them, and the more claims you make, the riskier they will assume they will be. Moreover, filing claims on regular basis will increase your premium costs as well.Ideally, it is advised not to claim for insurance frequently as it will affect your NCB – No Claim Bonus.Therefore, it is advisable to think thoroughly before filing for claim. By doing so, you will ensure that you get maximum benefits from your Car Insurance Policy!
How to escalate car insurance claims?
I agree completely with the last 2 answers The policy contract that the other person has with their insurance company requires their cooperation in investigating claims. If the person fails to respond then they have not met their contractual obligations and their insurance company can actually deny the claim should they choose to do so. They can say they waited a reasonable amount of time and their police holder did not comply so they will deny him coverage. The other insurance company is actually doing the only thing they can do... leaving the claim open and trying their customer over and over again. You can file a complaint with your states dept of insurance but the insurance company is not in the wrong and if you force them to make a decision, it will most likely be a denial based on the above explanation. As far as a this being unacceptable service, you have to remember, this is not your insurance company(and you are not their customer) so when you call them and complain, they really don’t care all that much. If the adjuster has made reasonable attempts to contact the other party and documented their file properly on the problems occurring, then nothing can be done.
Can your auto insurance carrier raise your premium for a DUI arrest which did not result in a conviction?
Yes, they might decide to non-renew your policy. If they choose to non renew your policy it avoids some of problems associated with canceling. In fact, most companies choose this route. In the state I worked in cases where a judge expunged the DWI the insurance company can tell you got it, and still might choose to take action. The only hope you have is if you have a totally clean record with no tickets or accidents. However, in this case the first ticket or wreck you get you are probably gone. My advise is to go to your agent and have a discussion then prepare for the inevitable.