Got knocked off my m/cycle over a year ago. Police were in attendance but did not press any charges against other driver. (he turned into me with no indication at all) Issue still not resolved, yet when my premium is due they want it there and then.
2006-10-11 22:31:31 · 18 answers · asked by steve e 1 in Cars & Transportation ➔ Insurance & Registration
this is a pain, they are straight on to us if our dd is late
2006-10-11 22:33:46 · answer #1 · answered by Anonymous · 0⤊ 0⤋
That will be a pain. If they still haven't sorted repairs (or total loss settlement) for you then complain. All insurance companies are regulated by the FSA (Financial Services Authority) and they have to have a solid complaints process in place (that ends with referral to the ombudsman if not resolved).
If it is regarding injury costs or recovery then this is actually more likely to be due to the third parties insurance company. The fault of a claim is determined by previous decisions in case law. This usually means that 2 insurance companies will argue fault where there is any doubt. A pain in your situation undoubtedly.
The insurance company has a responsibility to keep you updated by contacting you at least every 30 days. They also need to keep you informed accurately. Ask them what has happened and if liability is being disputed (insurance term!) they will have to explain it to you and let you know what's happened.
My bet is the TP has given a different view of events to you and that their insurance company is therefore fighting it all the way.
2006-10-12 02:51:44 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Good question!
I'd like to know myself.
I've got Anthem for medical/dental/vision insurance. It takes them a long time to pay a claim. Most places around my area, have posted that if you have Anthem insurance, you must pay up-front before any service is done.
Back in June, I had some major dental work done. I was required to pay for the service up-front ($1235.00) and then had to file for reimbursement. My first filing, they changed it to a medical claim without even telling me. Said the service was unnecessary and refused to pay me back. When I got back with them and told them that this was a dental claim and not a medical claim, they said that they would review it again. I didn't here from them and when I called them repeatedly, they said that they were still reviewing it. But, when I got my employer involved, Anthem said that they lost my claim. Had to refile it again (3rd time). After a month went by, my employers attorney got involved and then all of a sudden, Anthem got very cooperative. I got paid within a week after that. Sure it was only 70% of what I originally paid, my plan says that they are to pay 80%.
So, what I would like to know, why do they get very cooperative when a attorney gets involved.
2006-10-11 22:53:37 · answer #3 · answered by dakotaviper 7 · 0⤊ 0⤋
Ok I used to get this one all the time when I was a claims negotiator, what you describe is unfortunately not a uncommon situation.
As you state that the circumstances of the incident holds the other party liable it will be there insurer (presuming they had insurance at all) that will be paying out for any repairs/replacement of your vehicle, not your insurer who you pay your premium to.
You dont mention if you have a solicitor acting on your behalf if you havent, this will cause you a great deal of stress because you will be responsible for conduct of your own claim. What I would recommend is that if you havent got a solicitor/legal representation, you get some, pronto.
As your incident was on a motorcycle its fairly certain that there is some element of personal injury sustained to yourself, these types of claim generally can take a fair amount of time to resolve depending on the complexity of the injury, loss of potential earnings, loss of enjoyment of life, etc,etc.
To answer your point you raise about the Police, they are only there to act if there is a breach of Criminal law, they have no interest in Civil law, indeed they can be a major pain in the *** to insurers by not assisting in claims investigations which will add time to your claim getting resolved.
2006-10-12 00:16:51 · answer #4 · answered by jason12211 3 · 0⤊ 0⤋
A year is a long time. I know people who have had their payments in a few weeks.
Unfortunately, their priority is to take money off people and not hand it out - that is the way of business.
The other reason is that so many of these insurance companies have tens of departments and thousands of staff. It can take a long time for the various parts of the claim to be completed by various people within the company. Everytime it gets passed to a another employee, it might sit on their desk for a few days before being dealt with. Then forms get lost etc etc.
2006-10-11 22:50:39 · answer #5 · answered by Anonymous · 0⤊ 0⤋
I just had the same. Someone drove into the back of me whilst stationary and it still took 18 months and lawyers had to get involved to threaten the guy with an appearance in the courts before he finally relented and paid up.
The fault to me lies at the feet of the insurance firms. The rules allow people to be able to takes the pis+ by delaying and failing to respond. Meantime my premiums went up, i had to pay an excess for my car to be fixed which i didn't get back for 18 months, and i had the pleasure of driving a fiesta for a week instead of my CLK while it was being fixed and was not compensated for that either.
A disgrace
2006-10-11 23:45:23 · answer #6 · answered by J B 2 · 0⤊ 0⤋
Insurance companies are quick to ask for their money and slow to pay out...if they do at all. It's always been the case.
Even when they do pay out, its often too little.
Funny thing is that even when we have clean driving records and zero claims, our rates still seem to rise. They make hundread of billions in net profits and still manage to gouge their customers.
Unbelievable.
2006-10-12 02:27:22 · answer #7 · answered by JustAnotherJoe 3 · 0⤊ 0⤋
A year ago wow I had to wait three before my accident was settled I was in hospital 3 weeks and at home for two months but got a decent pay out eventually so hang in there
2006-10-11 22:38:05 · answer #8 · answered by Anonymous · 0⤊ 0⤋
Not sure what part of the claim is unresolved. A year is a long time, but if you were hurt and you're making an injury claim they can't settle with you until your treatment is done and they have all of your records to evaluate your claim. Your question is vague.
2006-10-12 10:25:23 · answer #9 · answered by Chris 5 · 0⤊ 0⤋
I`ve asked the same thing (in real life not on here) dozens of times..I think its so they keep getting interest on what is your money...its the same when interest rates go down Banks/Building Societies take months to pass it on but if its an increase its like next day...they are really just highway men without masks...
2006-10-11 22:40:36 · answer #10 · answered by geordie.lady 6 · 1⤊ 0⤋
If someone ran into you, and they are at fault, it is their insurance company that would be paying the at fault person back for his losses, not yours, so your premium coming due would not be a factor. If the other person is indeed at fault, he, not his insurance company, owes you for your losses. Sue him. If his insurance then pays back his loss, that will be between him and his insurance.
2006-10-12 05:13:34 · answer #11 · answered by oklatom 7 · 0⤊ 0⤋