by yalta4 » Tue Aug 04, 2009 07:58 am
I had the hit and run accident a couple of months ago in GA. the default party has left the scene but i got their tag # and face descreption, Had the police report as hit and run...
Now my ins company is willing to pay for this claim , but the defaul party's ins company is telling me that the claim will be denied because i dont have any witnesses and fault driver was not the policy holder but their ex husband, and the police report will be changed ???? what is that??? and if they dont see anything wrong with their client's car on the pictures they still dont have 2 months later (which makes me think they have already repaired their vehicle possibly) my claim will be denied ..
I couldnt beleive my ears...
Any suggestions , on how i should procced with this : lawer or small claim court , or subrogation?
Now my ins company is willing to pay for this claim , but the defaul party's ins company is telling me that the claim will be denied because i dont have any witnesses and fault driver was not the policy holder but their ex husband, and the police report will be changed ???? what is that??? and if they dont see anything wrong with their client's car on the pictures they still dont have 2 months later (which makes me think they have already repaired their vehicle possibly) my claim will be denied ..
I couldnt beleive my ears...
Any suggestions , on how i should procced with this : lawer or small claim court , or subrogation?
Posted: Tue Aug 04, 2009 10:33 am Post Subject:
I would let my own carrier handle it and they will subro the at fault party...has anyone (including your carrier) inspected this vehicle?
Posted: Tue Aug 04, 2009 10:51 am Post Subject: insurance
LORI..........I understand the policy is in someone else's name. However.........shouldn't the DRIVER, of the vehicle be just as responsible? Sounds almost like a 'cop-out' from the Insurance Company.
Posted: Tue Aug 04, 2009 11:20 am Post Subject:
LORI..........I understand the policy is in someone else's name. However.........shouldn't the DRIVER, of the vehicle be just as responsible? Sounds almost like a 'cop-out' from the Insurance Company.
In some states...if the vehicle is uninsured...but most of the time, insurance stays with the vehicle. If this driver had permission then the policy on the vehicle will be primary.."IF" no one has inspected the vehicle then it's pure laziness on both carriers parts...The OP's company should've tracked that vehicle down long before now and looked at it for signs of impact...as of course the at fault carrier should've as well. But in an effort to save time, and get his vehicle fixed the OP should allow his carrier to fix his car, and then let them pursue this at fault party..Also the at fault carrier should not deny the claim unless and until they have inspected their vehicle for impact.Add your comment