car insurance claim fire damage,someone set fire to my car or it was an electrical fault dont know it was a total loss how long does it take to get them to pay out its been 7 weeks now
2007-10-07 05:18:00 · 8 answers · asked by andrew b 1 in Cars & Transportation ➔ Insurance & Registration
Obviously longer than 7 weeks. Your agent would be a position to best answer your questions of course.
In the event of a fire, it generally does take longer as it takes a while to completely investigate things. They need to establish the actual cause. Was it arson? Was is an electrical fault? Did you not maintain the vehicle properly, and therefore have some degree of fault on the fire? For example, did you just put in one of those killer amps and fail to properly fuse it, thereby causing the fire? Were you behind on your payments, and hire someone to set it afire to get out from under high payments?
Note that I'm not accusing, I'm merely telling you what the insurance company is looking at. I've had burned cars in the lot for several months while the investigation was going on. I've also had fire people in the lot actually sifting through ashes for clues.
But do talk to your agent, he will keep you up to speed.
2007-10-07 05:31:19 · answer #1 · answered by oklatom 7 · 0⤊ 0⤋
As you have an excess of £200 there is absolutely no point in making a claim for £150. You would have to pay for the work yourself anyway because it's less than the excess. You would also risk losing your No Claim Discount in the grounds that you attempted to make a claim. Not only that, but it would be illegal for you to claim from your new company for an accident which happened prior to then accepting you as a client. In fact, you are obliged to declare accidents and claims whenever you take out a new policy. You cannot get away with faking a claim as you suggest. The company will do a through check on the details of the accident and they will find out when it happened. Rather than commit fraud (which carries a prison sentence) you would be better off just paying for a new tail light lens yourself and not involve an insurance company at all. The £150 quote will include about an hour's labour to fit the new lens. Why not buy one yourself from a main dealer, a motor body repair shop, or even an accessory shop (some sell spares). Then fit it yourself. Most are only held on by two or three screws. Look in the car's instruction book for how to change tail light bulbs and then look around the area where this is done - you'll see the lens mounting screws. You'll probably need a cross-head screwdriver. If it's not possible to change it yourself then take it to the garage. You have nothing to lose by looking.
2016-05-18 00:50:56 · answer #2 · answered by candi 3 · 0⤊ 0⤋
Depends on the circumstances, i.e; if this is a factory defect then the manufacturer has the right to inspect the causation of the loss before the vehicle is disposed of. It could be that the builder will pay the whole tab -- Ford has been having problems with their cruise control units setting fires on their vehicles sitting in the dang driveway, and yes, they are paying the settlements. If the fire appears unusual the special investigative unit will have to check the vehicle (and your background and story) for however long it takes to determine you didn't burn the car yourself.
Here's a word of advice: it's not against the law to burn your own car but you will serve hard time if you burned it and are trying to collect the insurance money. So -- if you did it I suggest you withdraw the claim...before it's too late.
2007-10-07 05:37:38 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Depends on your Carrier.
Did you have a Police Report?
Have you been in touch with the Claims Agent?
Have you followed up with your agent?
Do you have a local Agent?
Call your Insurance Company's Corporate Office and ask how long the investigation will take.
2007-10-07 05:28:50 · answer #4 · answered by Tigger 7 · 1⤊ 0⤋
Once the police report and the Cause & Origin report are made available to your insurance company, and there is no reason to suspect you did this, THEN you will be paid. It takes however long it takes these 2 reports to be made available. So why don't you go pick them up & send them to your adjuster?
2007-10-07 16:54:07 · answer #5 · answered by bundysmom 6 · 0⤊ 0⤋
It depends on the investigation. Some take longer than others.
2007-10-07 07:10:59 · answer #6 · answered by Boots 7 · 0⤊ 0⤋
sounds like you have allstate ins they love to drag there feet but in most places they have a time limet to settle the claim unless there is a law suit pending
2007-10-07 07:06:28 · answer #7 · answered by nikipoo 4 · 0⤊ 2⤋
Listen to Tigger, Knows what he is saying.
2007-10-07 05:38:48 · answer #8 · answered by Anonymous · 0⤊ 0⤋