i got into an accident on 1/17.. 2 months ago as of today... and my car got totalled. i was not at fault, but 3 vehicles invovled in the accident.. myself and another were totaled.. the guy responsible just got the bed of his truck banged up... i still have no car yet, the insurance companies have been taking their sweet time on getting the settlement completed.. i just found out that i have to wait for the 3rd ins. company to get the other vehicle that was totaled to go through salvage auction before they can inform the insurance of the one at fault to get back w/ me on my money.. is 2 months too long to wait? should i try to do something from my end? or just wait for it to come when it comes? it is kind of hard to get to work sometimes, been staying w/ my parents for rides and using their vehicles when they allow me to... any advice.. professional if any?
2007-03-17 04:49:21 · 6 answers · asked by JORSH!! 2 in Cars & Transportation ➔ Insurance & Registration
What likely is happening is that they arent "taking their sweet time"... they just have a limited amount of money to give out and are trying to determine who gets what.
Let me explain.... some people get the bare minimum coverage allowed by state. Here in florida for example, its 10,000 dollars. Say you total 3 cars and only have 10,000 to pass out...you have to figure out who gets what of that. Likely the other totalled vehicle is going through their insurance and the at fault parties insurance is waiting to see how much it cost to total his car. That way they can figure out what percentage of his car they can cover.. and what percentage of yours.
This is NOT the insurance company dragging their feet. THis is what happens when people get minimum coverage and the insurance company has to figure out how to work with that. Do not expect to get the full value of your car.
2007-03-17 05:16:47 · answer #1 · answered by Anonymous · 0⤊ 0⤋
If you are still waiting in two months, I'd be worried, but I had a claim that took over 3 months to pay out. And that was only after the car quit running.
If you have full coverage, your insurance will pay you. If you don't I'd look into it for a future car. I totalled a car on a Tuesday afternoon, and by friday I had my check for total loss...just depends on the company!
2007-03-17 19:20:06 · answer #2 · answered by Christina B 2 · 0⤊ 0⤋
I think you would be better off getting an attorney to speak for you, against the insurance company. They are going to drag their feet, and they also are going to pay you as little as possible, right now you can be claiming extra for the inconvienance all this is causing you, borrowing cars etc. Make that call sooner than later, I bet the insurance company starts picking up the pace, good luck.
2007-03-17 10:36:47 · answer #3 · answered by fisherwoman 6 · 0⤊ 0⤋
Your best source of information on the matter would be your insurance agent, who can call the other company and get some kind of a time line for you. No, 2 months is not a particularly long time.
2007-03-17 05:11:03 · answer #4 · answered by oklatom 7 · 0⤊ 1⤋
Your policy may offer "rental" car option! If not, rent one anyway and sue the "at fault" individual for the cost reimbursement! If that person carried "minimum" coverage you will need to pursue legal action to redeem your losses anyway!
2007-03-17 05:40:26 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Why don't you let YOUR company handle your portion of the claim, dummy? You would have been done with this weeks and weeks ago...
2007-03-17 06:04:51 · answer #6 · answered by Anonymous · 0⤊ 0⤋