i have switche jobs voluntarily in the past year, every job opportunity has presented it self with better wages and benefits. finances are ok i would say. my cc are close to the limits but no collections, no late payments. my wifes finances are great, she is really good with money. and NEVER, NEVER, NEVER have we been late on car notes, loans or mortgage. maybe a few late payments on cc in the past year. the investigator did call me and question some deposits on my acc, past jobs were not only hourly but commision based jobs. so they owed me money, and back pay from previous jobs, in addition to money that i may have loaned out to family memebers. they pay me back, and the money goes into my acc, i mean who just walks around with money in their pocket. if i already have 40-50 bucks on me and i get a check or some cash im going to naturally put it into my account, not just walk aroung with it for no reason. i do have 2 car loans that they questioned as well. when i bought the truck, i gave my old car to my mom with the understanding that she is totally responsible for paying the loan. i paid the loan biweekly and my mom reimbursed me for the payments with either check or cash. this investigato turns around and asked for my mothers contact info. he calls her and starts drilling her with questions about why is the car still in my name if she is purchasing it, and what is the deal why am i driving it now? my mother politely explained the deal that we had worked out in detail what we were doing and that she is lending me the car in the mean time until i can get another one. the car will be going back to her once i get situated through this. he then asks her if he minds if he records her statement. now my moms health is not the best, roughly over the past 5-6 years she has had about 4-5 abdominal surgeies for various reasons. the investigator calls my mom as she is coming out of the doctors office and she is in horrendous pain, has been for about 3 months now. she finds out that not only is there a possibilty that she may have ovarian cancer but she has 3, count them 1...2...3.. hernias. so needless to say she is really in no mood for an interogation. after he asked her if he could record her statement and to repeat herself again, she explains to him that she can barely walk and that she is leaving the doctors office as we speak, that she is in no condition to go through this right now, it hurts for her to even speak and she politely told him that she had to go. _________________ Register Now to have your Insurance queries solved.
and also i am ahead on the loan for the car that i gave to my mom, i paid it up for about two months because i knew that at some point in time she would be getting surgery yet again for what ever reason. her health justa hasent been the same since she had the gastric bypass. _________________ Register Now to have your Insurance queries solved.
POOR MOM! wow! (I'll certainly say a prayer for her recovery)...She handled that wonderfully and better than I would've! I reallly don't understand their questioning your finances to this degree. Late, missing payments financial trouble, yes, that's a motive to steal and burn a car, depositing money, no...big withdraw to pay the theif maybe but that's a stretch....
Were I you, I think it's time to tell them to "Put up or shut up you've been a stand up guy and helped all you can...they have more than enough information to make a decision...pay it or deny it either way you're filing a complaint with the Dept of Ins...and the next step is getting an attorney and pursueing a bad faith claim...this has went on too far, and you pushed the evelope buddy when you messed with my mom!!!"....then DO IT...
Please do let us know how it's going and if we can be of any further assistance, which company and what state again? This is just stupid at this point..i figured it was all settled by now! man carriers like this really tick me off...I see the red flags in the claim, but once they are lowerd, pay the damn thing! Sorry gives my job a bad name! _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
the company is progressive, in the state of ohio. thank for your concerns about my mother. it is very kind of you to have her in your prayers. im trying to be patient and cooperation with them so that they cant say that i havent been doing my part. in our last conversation with the investigator he did tell that they should hopefully have an answer for me in a weeks time. im going to hold them to this, if naything else happens then i will be going the dept of ins. i can honestly say that the investigator has been very nice towards me. i have heard stories of how people can be treated like crap through this whole ordeal. he went on to say that he was shocked that i brought in all the paperwork requested because ussually insureds dont bring half of the items. i know he has a job to do and that does consist of treating me with respect, i did expect a totally diff attitude from him in the beginning. but still the fact remains that this is getting a little reidculous and time consuming. i will keep posting till this is resolved. thanks everyone. _________________ Register Now to have your Insurance queries solved.
Progressive is one of the companys that is VERY through and will spend 100k to prosecute a 10k fraud...and I can appreciate that...You also are in their 'home' state...that works both ways...they don't want bad press in Ohio...I'm glad the SIU rep is being respectful it's a very difficult job...I know from experience...and as I said initally a theft that then total burns is a huge red flag...hopefully this will be resolved within a week...please keep us in the loop... _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
spoke with the inverstigator earlier this week, he had more simple questions. he did say that he is wrapping his end up and that I should hear from my claims rep by friday. he did also mention that the claims rep has to give everything to his sup firts and then contact me. so, what should i expect? _________________ Register Now to have your Insurance queries solved.
That the sun should rise in the morning. This is about all we can count on. If I were to guess I'd say there is a 99.99% chance that they will pay the claim. I think it would have stayed with the SIU investigator if not. The adjusters supervisor probably just needs to okay the payment since it was in SIU.
LOL, you made me laugh with the sun comment!!! i will be sure to update you guys if i hear anything else. thanks for all of the advice. _________________ Register Now to have your Insurance queries solved.
The claims reps supervisor will follow what the SIU guy's recommendation is...if he recommended denying the claim then it would have to go higher than the supervisor to get a rubber stamp on the denial....if the siu guys opinion is that they should pay the claim (can't prove anything in court)....then the supervisor will just have to put something in the claim telling the rep to pay it...sounds like you are on the home stretch now....
Quote:
so, what should i expect?
To have to pay taxes and eventually croak. _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
i just spoke with my claims rep and he said that his management is scheduled to look over everything the middle of next week and that i should hear from him by the end of next week. the investigator said that i should have an answer by this friday (today). im really frustrated now, should i give them their week of should move forward and ask them if they could do this any sooner? i dont know what to do at this point, i dont want to file a complaint and seem like an a$$hole towards them but this i going on 2 months now. any suggestions? thanks _________________ Register Now to have your Insurance queries solved.
I can't tell you what you should do, that is up to you. But I'll mentioned that I doubt they would speed up the process as it's only a week (and a long weekend before then). I understand it's frustrating on your end and if you did nothing wrong you should not have to wait.
"It MIGHT just be that" ALL the managers are at a meeting that has went on all week...doubt that pushing will accomplish anything at all this week....I would however call tues/wed/thurs/friday...siu guy probably didn't realize that it is 'possible' there was a meeting/conference..that didn't complete till late today, then travel back.... _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
just spoke with the claims adjuster, and they are denying my claim stating that it was an intentional act on my part. i asked how is it determined that i did this? i was no where around. they went on to say that i should recieve a letter in the mail shortly. im am so upset right now, i almost typed in some words that wouldnt have been appropriate!! what are my options from here? I had absolutely nothing to due with this. i feel so sick. _________________ Register Now to have your Insurance queries solved.
Oh my gosh...well I will say they never deny a claim for this reason without A LOT of information to back it up...after you get the letter let us know EXACTLY what it says, we'll be in a better position to advise you then...whether the DOI, or a private attorney is the way to go...so sorry you're having such trouble hang in there... _________________ Have you been helped by a poster? Do you want to show your appreciation? YOU CAN !! Just simply click on the donate button and send them some coin!
i cant even fathom why this would be the outcome. i am so depressed right now. i wanted to scream at the claims rep when she told me this, but i told myself to stay calm, dont do anything that work against me later. i will be sure to update you as soon as i get the letter. _________________ Register Now to have your Insurance queries solved.
If I were to guess I'd say there is a 99.99% chance that they will pay the claim. I think it would have stayed with the SIU investigator if not. The adjusters supervisor probably just needs to okay the payment since it was in SIU.
