I got into a car accident May 2006. My insurance needs different information every time I call. Now they have everything and are waiting to process it all and waiting for past 5 year documents from my doctors. I have many claims and one already went to collections. My insurance hasnt paid not 1 claim yet and its already a new year. I am not giving up but the hospital is getting mad cause the bills are'nt being paid. Any advice to get my Insurance to hurry up and pay up cause I cant pay it myself. They keep giving me the run around probably hoping I"ll give up. Thanks
2007-01-11 05:50:58 · 6 answers · asked by XoXoGlitter 3 in Cars & Transportation ➔ Insurance & Registration
Read before you get an attorney... I hate bad insurance adjusters! Having worked at companies, I can tell you this. Immediately file a complaint with your states Department of Insurance (DOI). The dept's website should have the forms/contact info online. Since you are their customer they have certain legal requirements that they need to meet, including very specific timelines. I know the claims departments I worked in scrambled whenever a DOI complaint would come in. Good luck to you!
OH and about the attorney thing. Here is the thing, most attorneys who handle these claims are total lowlifes (Ok 99.9% of them). Plus they'll take 30% for the privaledge of working for you (and often they're no better at returning phone calls). And finally... GOOD insurance adjusters are trained to pay the SAME regardless of whether or not an attorney is on the case. So, if they were going to pay y ou $100; now you get $100 but you have to share it w/someone. Of course, it sounds like you have a bad one, so... file a complaint with the DOI, THEN on your next call, no more talking to your adjuster, politely ask for the Claims Manager. Don't mess around with the supervisor, you're done with them. When you get to the Claims Manager, explain, politely, the trouble you've been having. State that you would like to work it out with them, but that you're feeling pressured to obtain legal representation as no one is working with you. Hopefully that will open up some doors.
Again, good luck!
2007-01-11 07:29:18 · answer #1 · answered by Kerry B 1 · 2⤊ 0⤋
Every jurisdiction has an Insurance Commission or Ombudsman's office. Contact them. While it may be reasonable for there to be a delay in paying pain and suffering claims, there is no excuse for delays in paying actual damages for hospital bills, doctor bills, and lost wages.
2007-01-11 07:10:42 · answer #2 · answered by Bostonian In MO 7 · 2⤊ 0⤋
If you are in California, call the Insurance Commision. Not sure if other states have insurance regulators, but you can try to contact yours to see.
2007-01-11 05:55:53 · answer #3 · answered by David 3 · 0⤊ 0⤋
Contact an insurance claims lawyer immediately and call a debt consolidator too for the payments.
2007-01-11 06:00:56 · answer #4 · answered by tdogg1971 2 · 0⤊ 2⤋
Over the course of your lifetime this is quite likely to happen several times. Cars are a notorious for the financial burden they cause their owners.
Have you considered selling your car(s) and using different forms of transportation like walking, biking, or riding Mass transit?
"A household with two cars that swaps one vehicle for public transportation for daily commutes would save about $6,200 a year even after paying transit fares, according to a study released on Tuesday. ... "
http://news.yahoo.com/s/nm/20070109/us_nm/energy_transport_savings_dc_1
2007-01-11 06:53:27 · answer #5 · answered by earlofmars 1 · 0⤊ 2⤋
This is why I tell people to get an attorney. He/she could have saved you the trouble you have had so far. Call one now and avoid all the trouble I see coming in the future.
2007-01-11 05:55:49 · answer #6 · answered by J.R. 6 · 0⤊ 1⤋