Some one hit my car and my car was towed to local towing services within 2 hrs of accident. I informed my insurance and they said their "agent/adjuster" will go and see the car within next 24 hrs. But so far it has been 6 days and no one has come to check it. Besides, the towing company is going to charge for each day. Will my insurance pay all the charges for towing or I will have to pay from my pocket?
2007-04-09 06:31:51 · 7 answers · asked by BN 1 in Cars & Transportation ➔ Insurance & Registration
Usually those charges are paid for by the insurance company because it is a part of a claim. If the accident is found to not be your fault your insurance company may pay for the costs at first and then go after the other persons insurance company after everything is taken care of. You should not be responsible for any of the costs. Let your insurance provider know if the towing company starts to harrass you about any of the charges. Keep in touch with your insurance adjuster. It's very important to do so.
2007-04-09 14:10:07 · answer #1 · answered by cocoa 1 · 0⤊ 0⤋
Do you have towing and storage coverage on your policy? It usually comes with collision. Do you know who the other guy/insurance company is? If you can and able to, go pay for your car to be removed from there and bring it to your driveway or garage or something like that. Keep the receipt and then once the insurance is actually working on your claim, send them a copy of your towing and storage bill to be reimbursed. You have to put it in a letter along with your claim number to be reimbursed.
You can leave your car if you are covered b/c your insurance company can't say "they're not going to pay." They have to and are obligated to pay until they have provided you with a written correspondence stating the date you are covered until.
Additionally, document everyone who you speak with and when. This is important, in case, they don't want to pay. Also call them and keep annoying them. Some insurance companies leave you waiting and waiting. So get a little annoying, to get your car fixed and out of there.
2007-04-09 10:57:37 · answer #2 · answered by Rica 82 5 · 0⤊ 0⤋
Legally, since you own the vehicle the towing and storages are your responsibility. Now since you have insurance your company will pay customary and reasonable towing and storage fees. If they have not inspected your vehicle yet, you need to call your company and find out what is going on. Please don't assume that just because the company said they would send an adjuster out that you can let the vehicle sit there indefinitely and that they will pay the bill.
Since you own the car it is your duty to hound your company to make sure they get this rolling. If they keep dragging their feet you need to keep on them. Most likely you policy has a condition in that requires you to mitigate (lessen) your damages and that probably would include your situation.
2007-04-09 08:53:38 · answer #3 · answered by fighting saints 6 · 0⤊ 0⤋
If you were deemed "not at fault" in the accident, the other driver's insurance is liable to pay all costs incurred from that accident, including towing and storage. You should be in contact with the other driver's insurance agency making sure that you have a rental car for the time that your car is in the impound and you should also be in contact with your insurance agent to be sure that they haven't left on vacation. That is, of course, if you were not the "at fault" driver. If a police report was filed and you were not at fault, all costs should be covered by the other driver's insurance. However, if no report was filed and there was no apparent "at fault" it will all fall into the lap of you and your insurance company.
2007-04-09 06:47:01 · answer #4 · answered by coqueto 3 · 0⤊ 0⤋
if you have full coverage and you were in an accident your insurance will pay the whole bill. they are the ones responsible for it sitting there that long. this is not all that uncommon to happen. i would call the ins. co and ask what is happening. it should have been looked at by now. good luck
2007-04-09 06:37:46 · answer #5 · answered by doug h 5 · 0⤊ 0⤋
Usually, the liable party pays all costs you incurr out of his/her liability coverage. You should contact your own insurance company and see what the hold up is, however.
2007-04-09 06:40:20 · answer #6 · answered by tkquestion 7 · 0⤊ 0⤋
Better get ahold of your company.Now!!!
If thistowing co has had experiencewith the same ins co, I doubt if you'll see storage charges.
2007-04-09 06:36:37 · answer #7 · answered by Barry auh2o 7 · 0⤊ 0⤋