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Also my wife has to call the doctor now and will definitely have to visit her doctor next week even though she was OK by the time of accident in this morning. Should we call a lawyer? Any advices are appreciate .
In the grand scheme of things, your accident is quite minor and there shouldn't be any problems getting LM to pay things. I take it the police were called and an accident report was issued?
If the person is a deadbeat who has been allowed to drive without financial responsibility then it's up to your state to take away their license and registrations. In Ohio when getting license plates for a vehicle you have to sign that you have financial responsibility in place, whether it's your own personal wealth that you can use to pay damages or you carry insurance. The state of Ohio regularly sends out letters for proof to those not listed as holding insurance in of Ohio.
Your claim is small and your own insurance company may not want to go after the person for the $1000, since it is your money, if LM doesn't fork up.
2014 Malibu 2LT, 2015 Cruze 2LT,
If you are going to claim medical injuries, you almost have to file a claim, make out an accident report, etc.
Realizing that CA does have social issues, flake factor, LA LA land concerns et al...........I called about 15 other companies (and lo and behold - - - none of these companies are in the same ballpark)...........
What does my present company know that 15 others apparently do not?
Today I meet with the lizard. I'd like to close with "Season's best" (but I am actually big time annoyed)..........
ez.....
Usually, the company person will not mention your having taken bankruptcy, spent a night or two in jail, or a credit problem all of which can cause your rate to increase. Is there a new driver in the household that is less than sterling in all areas? What have your neighbors told the field underwriter when he came knocking?
As I'm the sole operator, the neighbors must factor here. Perhaps they reported seeing a spaniel driving my little VW diesel PU.
season's best, ez....
:P
'11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S
How about "I flipped my car and rolled it into the ditch while swerving to avoid a child who ran out into the street from between parked cars." Clearly it's the kid's fault!
And then there is the "Some crazy lady was chasing me down the street swinging golf clubs at my Escalade causing me to smack into a fire hydrant and hit the tree" scenario. On second thought, that's just way too far fetched and would just never happen in real life. :P
tidester, host
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Find me at kirstie_h@edmunds.com - or send a private message by clicking on my name.
2015 Kia Soul, 2021 Subaru Forester (kirstie_h), 2024 GMC Sierra 1500 (mr. kirstie_h)
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Given Tiger’s racial heritage can we call this a Black Thai affair?
Tiger just changed his nickname but still kept it in the cat family. Cheetah.
Happy Weekend Kirstie
Tiger is really losing it - 400 yard drives used to be so easy for him.
2014 Malibu 2LT, 2015 Cruze 2LT,
They told her she would have to decide if it was 4 or 5 times. She then said hmmm. ok put me down for a 4.
2013 LX 570 2016 LS 460
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Jeannine Fallon
Corporate Communications
Edmunds.com
MODERATOR /ADMINISTRATOR
Find me at kirstie_h@edmunds.com - or send a private message by clicking on my name.
2015 Kia Soul, 2021 Subaru Forester (kirstie_h), 2024 GMC Sierra 1500 (mr. kirstie_h)
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How long does it usually take for them to investigate? If the driver doesn't respond to them, will it be a long wait since the insurance company won't be interested in paying proactively? I heard I shouldn't wait for too long but dont know what I can do.
Another question I have is if I can request to get compensated for the time I spend in dealing with fixing the car? I have to take work-time off to do it.
Thanks for your help. Really appreciate.
You can turn the whole thing over to YOUR insurance company and they will go after the other company. I'd still check on them though.
Obviously a major error on their part.
I damaged my license plate in an accident that was my fault with the other car having a scrape and tire scraped, it is two weeks later, and although I reported it to my insurance company, the other driver has not contacted their co or mine. In the next couple of days, my insurance co. says they will call them to find out if they were going to file for damages.
Should I call them first and offer them money?
Or, did this incident happen in Arizona, and was the other guy an illegal alien???...
Build that wall, keep them out, shoot on sight...strong words to follow...
If the other car was occupied, let your company carry on so as to prevent a latent injury claim down the road.
2013 LX 570 2016 LS 460
The biggest problem I see here is that your carrier has not contacted them in over two weeks. Frankly, I don't think they are doing their best to protect you from an exposure here. You pay your carrier for a service ... and dodging claims is not the service you signed up for. Seriously, read your policy. It says nothing about dodging claims.
Tell your carrier to call them and settle the claim.
Ok, well here's the thing. I recently bought a car on the 15th of april cash from a dealership. I traded in a car with liability coverage but I also have a new truck with FULL coverage. When we bought the car the dealership told us it would take them a little time to get the car together because it was a certified car and they had just got it in the day before. I said that was fine. The car wasn't ready until the 23th. That same exact day, less than two hours from getting the car, I got into an accident and totaled the car in a four car accident where I was at fault for following too closely. I got a certified letter the other day. Now, my insurance company is fighting with us about paying for MY car because they don't believe I owned the car because the bill of sales says the 15th and I got the car on the 23th. One bill of sales says we financed, but we didn't. The first day we put $500 down and we made a post dated
check for the rest. They cashed the check within days and made another bill of sales for the cash money. They are trying to say they don't believe us and aren't obligated to pay because one....they don't believe it took 8 days to get the car......and TWO because of the difference in the bill of sales. Nothing is final YET. My full coverage from my truck DOES cover this accident since my coverage follows me to any vehicle I drive right? If that's the case.....Can they do that? Can they deny my claim simply because they DOUBT I own the car without proof? I have my documents with no scratch outs or anything.....plus the dealership faxed them themselves. I'm confused. How do you believe everything will work out? I'm real stressed out right now because although I have a truck to fall back on I had a car too because of gas since I work a long way from home. Now, with the increase in gas my pockets feel really light right now. What should I do?
Do you have an insurance agent who is looking out after your interest or does the person you purchased insurance from work directly for the ins. company?
Tell whoever wrote the letter to meet you at the dealership for a full explanation of the various dates, etc. It really should not matter because as a worse case scenario you bought it on the 23rd and wrecked it on the 23rd.
2013 LX 570 2016 LS 460
Many states/insurers allow a grace period between purchase and registering/reporting new vehicle to insurer in which your registration and insurance is valid.
What the insurer sees is a Bill of Sale dated the 15th and an accident dated the 23rd. What are the rules in your state?
If you are outside the parameters, you should have the dealership get involved showing the sale was dated the 15th but the delivery wasn't until the 23rd and hope the insurer accepts it.
Good luck.
Talk to your agent - RIGHT NOW.
Because the crash occurred withing 30 days of ownership, you automatically have the coverages on the new acquisition that you have on the truck.
You began ownership of the crashed car when you granted consideration (money) with a post dated check to cover the balance later. Because you didn't pay 100% at the time of ownership, the dealer noted on his books that the balance is financed.
That period of finance was from the date of downpayment to the date of crash.
Your company's freshman adjuster needs further training. Tell them to talk to the dealer.
Because the crash occurred withing 30 days of ownership, you automatically have the coverages on the new acquisition that you have on the truck."...
thanks for the comments...but I could still see a situation where you might only have the coverage of the vehicle you traded in, not the one you have at home...I simply was not sure which policy would prevail...and if the dealer released the car w/o full coverage, it could simply mean that the lender is the one who is unprotected in the event of a collision, if there was no collision insurance...
It seems like this should be easy to prove and verify with the dealership. Not sure how they can deny the dealership information since they have no incentive to lie.
Basically, you will have to get your agent and dealership in the same room. Possibly a sworn affidavit by the dealership.
BTW, what state do you live in?
If you own one car with full coverage, but another car with liability only, then who says the new car has full coverage? From the original post, it seems the insurance adjuster has no problem paying off the liability claim, as the insured has liability on any vehicle they drive.
With the rampant amount of insurance fraud out there, I'm not surprised they are looking at this with a jaundiced eye... Post-dated checks, etc, etc.. would all raise red flags.. I'm sure they are worried about a conspiracy, where all of the conspiring parties split the proceeds.
regards,
kyfdx
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That's an interesting point. That may be exactly what is holdingthings up.
2013 LX 570 2016 LS 460
Your "new" car will fall under one of two catagories from what I understand. A replacement vehicle, or an additional vehicle. If it is a replacement vehicle, you will get the coverage of the vehicle it replaces. If it is an additionaly vehicle, you will get the broadest coverage on your policy for 30 days, then zilch.
BUT ... you should read your policy to know. It will likely be listed in the definitions under "insured vehicle" or "covered vehicle" or something of the sort. There is the key to your coverage, once you have proven what role the vehicle takes. To me, it sounds like it replaced a vehicle with liability only coverage ... I think you may have some issues ... good luck.
Hagerty's = "Your covered auto" means, 2. Any classic vehicle on the date you beccame owner during the policy period, whether as a new vehicle or replacement of a vehicle shown in the Declarations, provided that b.You ask us to insure it within thirty days after you become the owner; and c. We insure all of your collector vehicles.
Under Coverage for Damage to Your Covered Auto, the limit provided on this vehicle, will be the leser of the following: a. The purchase price, B. The verifiable value: or c. $50,000.
Encompass = c. A motor vehicle that replaces one shown in the Coverage Summary. The replacement vehicle will have the same coverage as the vehicle it replaced.
Hopefully she didn't insure with Encompass