Auto insurance company won't pay garage storage fee?
i believe the insurance company dropped the ball and is trying to weasal out of this. when they found out about the $3,000, the adjuster would have been in hot water. when the cop towed to this garage the insurance company would know where it was since they had to have someone go out and inspect it. they determined after a certain amount of time that your car would cost more to repair vs total it. a good appraiser will note or ask the garage if they charge storage fees and note to the adjuster. also once a car is deemed totaled, most companies will tow to a salvage yard asap to reduce storage fees, since they have an agreement with the insurance company. even thought it took over 30 days which is not uncommon on autos that are not deemed either totaled or repairable, someone should have questioned you if you were aware of the storage costs and that you need to move it. usually the insurance company sends out a mitigation letter which states you have to get your car moved to stop incurring storage. did you receive any letters from them on this? also; most insurance companies "eat the storage fees" as part of settling your claim w/in reason; note another reason for the mitigation letter. a lot of them will send the letter certified mail as a back up. if they did and it is returned back signed, you could be sol. unless you totally ignored them about moving your car, they might be on the hook for this one. my suggestion; dont call the adjuster back, but call customer service and ask the name of this adjusters supervisor or manager. they will review the file to determine if the adjuster did what they were supposed to. if no response or solution, file a complaint with the insurance department in your state. they have to review all complaints and file a response. if that does not work, then hire an lawyer. the lawyer will most likely file a "bad faith" suit against your insurance company if it can be shown valid; good luck
How do I appeal or dispute a farmer’s insurance auto claim that was denied?
Don't get a lawyer first.Lawyers only care if they can get paid.Read you policy, and the decline letter.Talk to the agent that sold you the policy. Ask them to explain. Trust me he wants you to get pay.If you think you truly have a valid right to get paid document it in a written letter response. Send it to the carrier and ask for a response within 30 days.No response then reach out to the department of insurance in your state or do this as you reach out to the carrier.If they also tell you that you have no claim then most likely you really have no claim.At that point a lawyer is most likely no help.
Can a collections agency sue me if I am making payments towards my debt?
Long story short, I have been through several hardships and I have an $11,000 credit card bill. They sent it to collections, and now the collections agent is threatening to sue. My question is, can they go forward with a lawsuit if I am willing to pay? I have expressed my desire to make things right and pay back the debt I owe. I know I have to be held responsible for my actions...I'm not trying to get away with anything here. The problem is, they are demanding almost $3000 in order to stop persuing the case against me. I don't have that kind of money and I have no way to get it. I am willing to make small payments ($100 or so) from now on. I can even put this in writing for them if they want. I tried to look this up online - some places say they can't touch me as long as I am making some kind of payment. Other places say they can do whatever they want if I don't pay the whole $3000. Can anyone help?
Insurance adjuster won't budge on a settlement amount
I'd speak to her supervisor directly. It sounds like she just doesn't want to admit to her supervisor that she made a mistake. I'm a little unclear on the situation. But if she agreed to your amount verbally and came back to you with a different number, then she has committed "waiver and estoppal" By law, once we agree to coverage, we have to abide by it. If she doesn't, you can site bad faith with the state's department of insurance. As an insurance adjuster myself, I can tell you that we can always negotiate (at any stage) so long as the reason for the adjustment can be justified.
Is it worth it to buy the extra insurance for a UHaul rental truck?
I know of 4 insurance companies that do not cover U-haul. American Family, Geico, Liberty Mutual, Allstate. You need to check with your agent first. Make sure you tell them if you are going out of state. I had a customer who was told she was covered, then stopped in after she got the truck and told them she was going out of state, and they said she was not covered. I had another customer who did not take the insurance, and was backing into the drive of his destination, and hit a large rock damaging the truck, it cost him almost $300. Even if someone hit you, you are responsible for the truck. But on the other hand, it is an option. I have heard of several dealer who add the insurance without the customers approval. So I am glad to see you asking questions. I had an insurance agent rent from me, and when I asked him about the insurance he said yes so fast it shocked me. He stated that if something did happen it would not ding his auto insurance. U-hauls SafeMove insurance covers damage to the truck, the cargo in the truck, and also has medical/life coverage. The SuperSafeMove also includes $1 million in liability coverage. I wish you luck in your move and safe driving.
Lawyers, a young attorney isn’t getting responses from demand letters, when do experienced lawyers use them and when do you go straight to filing?
Have you considered picking up the phone and calling the claims adjuster? Adjusters are rarely unwilling to enter negotiations unless the claim is without merit.What adjusters really want is for you to submit documentation as you receive it, not for you to submit a fancy binder two weeks before the statute of limitations. They need to continually evaluate the claims and the reserves. Holding off does not earn you brownie points with either the adjusters OR YOUR CLIENTS.Don’t bother with elaborate tabbed binders. They just get ripped apart so that the contents can be scanned or placed in an [old school] paper file. Just submit medical records, medical bills, wage loss verification, etc. Bundle the papers up in a stack and ship it over. You could send them electronically since most companies are “paperless” now.You don’t need to summarize the records, much less write a multi-page essay about the claim. A one-page letter will suffice, “Here is the documentation for my client’s injury claim. Please review and let’s discuss”.The adjuster needs time to review the submission page by page, line by line, so don’t assert some silly-assed deadline. After evaluating the claim, the adjuster probably needs to get settlement authority from management or from a home office supervisor.All you will accomplish by filing suit is to drag out the claim longer and drive up costs for both sides. If you must file suit, at least grant an open-ended extension so that settlement possibilities can be explored.Don’t try to bluff and threaten. Adjusters are unimpressed with threats. They have more experience than you do. They have very well-attuned bullshit meters. They eat baby lawyers for breakfast.Just play it straight. Be courteous and responsive. If the adjuster writes to you or leaves messages, have the decency to reply.If you stall in negotiations, it’s always cheaper to mediate. If you play your cards right, you may even get the adjuster to pay the fees for both sides. And for god’s sake, take your clients to the mediation. They need to hear the facts of life from a neutral party.