Auto insurance company that wants me to pay upfront?
Auto insurance company that wants me to pay upfront?
I need general information concerning auto insurance complanies that pay claims directly to the driver. They want me to absorb all costs (repairs, rental, etc.) and then they will issue me a "reimbursement" check. I don't want reimbursed for something that their insured driver did to me! I just want them to cover all costs associated with the claim! What, if any, legal action can I take to have the matter proceed in my favor?
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7 Responses
1.27.2010
Best Answer – Chosen by Voters Technically, all auto insurance liability policies indemnify a third party for losses sustained in accident.We don't know the specifics of your case to determine what exactly they are not covering or other details about whether this is an out-of-state claim or the such.Often, if their insured is not cooperating with the investigation, t hen the insurance carrier cannot accept liability and can only promise to reimburse the claimant once liability has been determined. This has happened hundred of times during my claims career and it is obviosuly nto fair to claimant but the insurance compnay must investigate losses and a non-cooperating insured, police officer or witness can leave a claimant in a real bind.Legally, the insurance ocmpany is not obligated to accept direct billing for rental cars and can offer to reimburse your charges once submitted.Also, no one (you or insurance company)should EVER pay for vehicle repairs until repairs are complete. Source(s): 12 years claim experience-NC, SC, TN, KY, MO, VA
1.27.2010
Small claims courts have advisors on certain days. Have all your paperwork ready. Read your contract with the auto insurance company because they are not fair. If they total your car then pay the blue book value and have it fixed yourself.
1.27.2010
go and talk to your agent and have him take care of this for you.
1.27.2010
Have you checked with your own company? Although the accident was the fault of the other driver, you should report the accident to your own company as well. Your own company can act on your behalf through the processing of the claim and obtain any monies due to you through a process called subrogation.
1.27.2010
Take it to a body shop of your choice, Get an estimate. Get the owner of the shop to deal directly with the insurance company for payment. Other than that get a lawyer.
1.27.2010
If the other driver was at fault..then they pay your body shop. You don't. Normallly if you filed with your agent you can have the adjuster work a deal with the other carrier and have it settled. But don't pay out of your own pocket. If this is the case notify your agent. Source(s): agent 37 years
1.27.2010
They have no duty of good faith to pay you up front. They don't HAVE to pay you at all, until a judge says they have to.The ONLY legal action you can take is to sue the driver. What you CAN do, is ask them, will they cut the check to the body shop. A lot of times, they will. Source(s): agent, 21+ years