HELP! off topic, NEED ADVICE, head on collision, ins. co. not doing a thing.
 

Hey guys,
I have to vent!!! I was involved in a head on collision on 06/23/2010 (I was not at fault; other driver crossed onto my lane traveling in the opposite direction) AS of today 07/28/2010 nothing has been done to settle my claim ! I keep getting the run around from both sides, even though the other drivers ins. Co. has accepted 100% fault. I have run out of my rental car coverage and I do not have a second car to drive. My fear is that I will be forced to drive my Medusa every day until my claim gets settled, F**K !!! I really don’t want to do that.
I would appreciate any advice that YOU (my buds) might have for me ! I’ve never had to deal with this type of matter, because I’ve never be in an accident that had my car totaled. PLEASE HELP A BROTHER OUT!

Thanks n God Bless
Hec

I'll start by saying if you haven't already,it's time to LAWYER UP Hector...:yes:

Best of luck to you man,that bites...glad you're OK.

I was in a similar situation earlier this year although my was not totaled (not driveable though). I had full coverage and had MY insurance company pay the claim (minus my deductible). Eventually the other insurance company paid me back my deductible and my insurance co.

I needed the car fixed right away as you do.

your insurance company should be handling it for you. What are they telling you?

Hey John,

I have contacted a lawyer, I will meet with him sometime next week.

Exactly! You need to lean on YOUR insurer to do the legwork, this is what you pay them for!

Keep renting the vehicle and send the other insurance company the bill. Show up at you insurer's office face to face and demand this be resolved. Your insurance company should be doing all the leg work.

This is 100% correct !! Your agent needs to step up for you..Your insurance company needs to represent you ,you should'nt have to hire a lawyer. Start pressing your agent!!

In the insured world.... YOUR insurance company should be handling ALL the details of your claim - and paying / providing what is "normal and customary". When all is said and done and you "settle" --- THEY will subrogate with the other party. It is not your job to deal with them your insurance company will handle all of this...

Time to kick YOUR agent and YOUR insurance company in the arse.

Hec --

Unless there is injury / work loss / damages beyond vehicles/coverage amounts - no lawyer required.

I have worked in collision field for 23 yrs, the guys are correct YOUR ins. co. SHOULD be taking care of getting your car fixed situation resovled IF the other ins. co. is not stepping up, then just like Greg said, they go after the at fault ins. co. True statement, no lawyer needed. By the way, this is why I switched to State Farm Ins. beat ALL the other guys hands down as far as customer service, they are the top! just ask Steven Rupp, his car was hit by a State Farm insured. Shawn

Yup +1 on the above except the lawyer. I did 2 years of AD adjusting for a major insurance co. You pay your premiums to your insurance company for their services and since the other company is dragging their feet you can file with your own carrier to get on with your life and they will subrogate against the other insurance company. You may need to pay your deducatable up front but it should be refunded to you when they get repaid by the other insurance co. I've also seen people do this when dealing with jack-a$$ insurance companies that weren't being resonable or outright adverse to deal with- usually small hole in the wall "discount" insurers.

Good luck! Glad you are OK! Cars can always be replaced but lives can't

Another update...

My ins. co is paying the value of my car sometime this week, I will have a balance of $5000.00 . I don't know what happens now?!?! Do I go after the other ins. co. for the balance and compensation ???

You're not very clear here...

So are you saying that you OWE $5000 more than the car is worth?? And that they're not paying off the balance due on your auto loan?

Have you tried to check the value of your car on any of the websites that do that sort of thing?

I wouldn't accept settlement if you're not happy with the outcome. What has your agent done for you? ANYTHING? Is YOUR agent not advising you what to do? Something doesn't add up here.

ok Sorry, The finance balance is $16,700 that I owe, my ins co. is paying only $ 11,000 (more or less) so I will be responsible for the balance. My ins. co. will send it to the subrogation dept and they will go after the other ins. co. to get reimbursement.

Does that make more sence?

I wouldn't accept that settlement.

Get some numbers on your own of the value of your car. No way should someone be able to total your car and leave you with no car and owing money.
Time to get a lawyer.

AND a new agent because they suck!