How long can the offender's insurer turn me down ?

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PostPosted: Tue Nov 07, 2006 4:49 am   Post subject: How long can the offender's insurer turn me down ?  

hi, my car got damaged as a truck backed into it last week. The offender's insurer kept on turning me down saying that he has not responded to them ever since the incident. Now just need to know till how long can they behave in this fashion with me ??


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I. Healy

PostPosted: Tue Nov 07, 2006 5:15 am   Post subject: don't waste your time nymore..  

hey..why are you wasting time rather than consulting with the local producer or agent with who the offender's car is registered with. It seems the fastest thing that comes to my mind right now. regards..Sasha T.

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PostPosted: Tue Nov 07, 2006 6:20 am   Post subject: did you inform the police!  

hi! you should have forwarded the name and address of the offender's insurer to the police by now. Always remember that even when it seems to be a minor accident and you don't feel like calling the police, just make sure that you don't forget to take down the name and address fo the offender's insurance co. as also the driving license no. and the address and phone no. of the other driver too! Rick Heinmann

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Rick Heinmann

PostPosted: Tue Nov 07, 2006 6:33 am   Post subject: can't forgo..  

Believe me..its his insurer's headache to meet his witts end...not yours!

They can't ever use this as a tool to let you forgo your claims..!



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PostPosted: Wed Nov 22, 2006 1:19 pm   Post subject:   

Actually the other carrier _could_ avoid paying the claim if their insured won't respond. It almost never happens but it's certainlly possible. Their insureds contract states their insured has a duty to cooperate. If their isnured does not _they could deny his/her coverage_. Of course this almost _never_ happens as it's really not in good faith.

Ultimatly it's the ijured party's responsiblity to prove their loss. Can you provide some indication that their insured is at fault in the loss? Give them everything you can.

Usually the other carrier will end up paying these losses if there is _any_ indication that their insured is at fault. But if their isnured won't respond, they will most likely send many letters out and wait for a response. This can take a long time. Don't let the adjuster sit on your claims. Call every few weeks and "remind" them of the claim. Be nice and simply explain that you understand their issues but you still need to have your loss addressed. Eventually the adjuster will get tired of waiting and probably pay the claim.

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