by Guest » Fri Nov 06, 2009 06:55 pm
My wife and children were in a parked car (ignition off) and was backed into by another vehicle. The individual got out, claimed 100% fault (of course) gave my wife her insurance info. Open and shut case right??? Not according to American family insurance co. It seems they feel my wife was partly to blame...Huh? They suggested if we do not contact our insurer that we will need to litigate to get our damages paid. We contacted the driver and she maintains her 100% fault and is apologetic for our treatment from her insurer.You have got to be kidding! All for approximately $1000 worth of damages.Is this considered insurance fraud by American Family since they are misrepresenting their policyholder? In Missouri ...
Posted: Wed Feb 02, 2011 09:29 am Post Subject:
You can always contact the insurer and request a second adjuster visit the property and inspect the roof. If that doesn't work, then you could hire a Public Adjuster to represent your claim. The PA will take about 10% of your damage award as his fee.
Posted: Wed Feb 02, 2011 04:48 pm Post Subject:
Or you could simply notify them of your right to invoke the appraisal clause in your policy, if they haven't eliminated it like they have in Missouri. You can use your contractor as your appraiser and they have to hire an independent appraiser to attempt to settle the difference. Those two appraisers have to elect an umpire in advance that they both agree to. If the appraisers can not settle the differences, it goes to the umpire which can be a retired judge or any citizen in good standing in the community as long as they can objectively and impartially decide the outcome by judging the merits of the dispute.
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