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 Posted: Fri Oct 09, 2009 10:30 pm Post subject: |
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must be a state thing...what state are you in? I'll so some checking.
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Lori
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| Posted: Sat Oct 10, 2009 4:41 am Post subject: |
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I'm in Illinois. It is a state thing not my insurance. Spoke to legal rep. today. He clarified that UIM only kicks in if you have more than the 3rd party's limits. My policy just sent papers for med release and income verification today.
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| Posted: Sat Oct 10, 2009 3:29 pm Post subject: |
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good...let us know how things are going, and if we can be of any further assistance.
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Thu Oct 15, 2009 3:02 am Post subject: |
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okay, been busy with work, kids and physical therapy. Spoke to the party at fault's insurance regarding the PD claim. She said they do not cover DV claims. I said okay I will file a small claims suit against the insured - no problem I said. Instantly they would consider a claim if I could provide clear proof. I already sent 2 trade in estimates one from carmax and one from lincoln. They were $18k and $19k, respectively. I also provided NADA and Edmunds trade in value printouts. The averages subtracted from $18,500 were $8300. She said maybe like $1000 or $1500. Should I at this point hire a francy car appraiser and go that route, or am I throwing money in the wind. I was thinking of filing a suit, hiring a fancy auto appraiser and going that route.
The PI claim is still going through the chain of command. |
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donti32
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| Posted: Thu Oct 15, 2009 10:49 am Post subject: |
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I would ask the adjuster, "just what kind of proof do you need EXACTLY, and I'll get it for you!"
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Thu Oct 15, 2009 11:46 am Post subject: |
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| Quote: | I would ask the adjuster, "just what kind of proof do you need EXACTLY, and I'll get it for you!"
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Right if there is a settlement in question, this is the most fitting thing to do. If it is proof they need, it is what they get.
I wonder why they have to deny something legitimate when they already know there are ways to go about it.
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sil
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| Posted: Thu Oct 15, 2009 9:28 pm Post subject: |
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Okay, sent out the packet yesterday as stated before. The final paragraph indicated my intentions of a small claims suit as well as the name of my expert witness.
I have an adjuster to come by my work to evaluate my cars repairs. What is this? Any advice on what to do? Anyway, how can a person in the parking lot of my office check a frame for stability, and the suspension that was torn off?
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donti32
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| Posted: Fri Oct 16, 2009 6:06 am Post subject: |
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| Let the adjuster come and inspect. These days, all carriers have the support of the latest technology towards determining the cause or the extent of the actual damage. Once he's done, you may always seek an explanation from him. |
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steven
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| Posted: Fri Oct 23, 2009 3:07 am Post subject: |
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Inspector came and documented the repair and the condition of my auto. I will be waiting for the adjusters response.
I was talking to an old college friend who is a PI lawyer. He found it very odd that the 3rd party offered the policy limits without looking at income verification or doctors releases. He suspects a liability umbrella is being protected. Thoughts?? |
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donti32
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| Posted: Mon Oct 26, 2009 11:42 pm Post subject: |
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settled the dv for $7200. Not bad for no inspector or lawyer.
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| Posted: Tue Oct 27, 2009 10:24 am Post subject: |
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Great job !
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Wed Oct 28, 2009 1:52 am Post subject: |
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| Them offering the limits so quickly does make sense to protect an umbrella policy. Dig deeper! |
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CrazedEpidemic
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| Posted: Wed Oct 28, 2009 6:47 am Post subject: |
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| Quote: | | Them offering the limits so quickly does make sense to protect an umbrella policy. Dig deeper! |
This could be an attempt to settle things quickly. But, I don't think it could be a real problem under circumstances when a lawsuit is filed. If the compensation awarded is more than the limits, then it's bound to pull the umbrella in. |
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steven
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| Posted: Thu Oct 29, 2009 12:12 am Post subject: |
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My UIM policy must first accept the offer. If I settle with the 3rd party and then go after my UIM, will the opportunity to go after the umbrella be over? I asked the 3rd party adjuster she said no umbrella that she knows of.
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| Posted: Thu Oct 29, 2009 12:44 pm Post subject: |
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Your UIM carrier won't allow you to accept the limit if there in an Umbrella, they will do a thorough asset check before they allow you to accept it.
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Last edited by Lori on Fri Nov 20, 2009 11:42 am |
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Lori
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