This is getting really annoying now...

[treejs4]

So as per my last thread, most of you have seen that I was involved in an accident that someone rear ended me. I got the police report back and within the report, the other party makes the claim that she "didn't see me in time" and the police noted that it was completely her fault. With this report I updated my claim with HER insurance company that I made. They were unable to get a hold of her and would not send an adjuster out until they had done so. However, with this police claim I made the argument that they can at least send someone now, considering they still have not gotten a hold of their insured (2-3 weeks now).

With my argument made on tuesday, they agreed to assign/send out an adjuster. He called me on wednesday, left a voice mail and asked if I had any questions to call him back. I called him back with no answer and left a voice mail. I still have yet to hear back from him. He also called the body shop that the car is at and set up a time to meet yesterday. He showed up pretty late yesterday and was unable to see the car on the lift since the bodyshop owner was busy then. After that, they setup another time for him to come back today, and when I just called to see how it went, the body shop owner informed me that the adjuster never showed up. WTF

Am I just being impatient? or is there something I can do about this unprofessional sh*t?f

[BoostEasy]

I was hit in early 2014 and got a police report stating it the other driver's fault. I ended up opening a diminished value claim as my $63k car was only a few months old. That DV lawyer advised me not to talk to the other party and report it my own insurance.

I did just that, got my car to the body shop, started the claim right away and the adjuster was from my insurance and they went after the other insurance for me. No need to involve the other party.

Your insurance co insures your car, not their ins co. If you file the claim with yours, rest assured they will get money out of the other party and, meanwhile, you get your car fixed. No need to wait and it should have no impact on your record with your ins co (rated won't go up).

Edit: on top of that you should be able to get a rental car paid for by the other insurance co too, if that matters. If you file through your ins, your limits will apply and they will go after the other party ins for reimbursement. My rental limit was $1000 which covered about a month in a Camry (boo!) rental.

[sirsycott]

So as per my last thread, most of you have seen that I was involved in an accident that someone rear ended me. I got the police report back and within the report, the other party makes the claim that she "didn't see me in time" and the police noted that it was completely her fault. With this report I updated my claim with HER insurance company that I made. They were unable to get a hold of her and would not send an adjuster out until they had done so. However, with this police claim I made the argument that they can at least send someone now, considering they still have not gotten a hold of their insured (2-3 weeks now).

With my argument made on tuesday, they agreed to assign/send out an adjuster. He called me on wednesday, left a voice mail and asked if I had any questions to call him back. I called him back with no answer and left a voice mail. I still have yet to hear back from him. He also called the body shop that the car is at and set up a time to meet yesterday. He showed up pretty late yesterday and was unable to see the car on the lift since the bodyshop owner was busy then. After that, they setup another time for him to come back today, and when I just called to see how it went, the body shop owner informed me that the adjuster never showed up. WTF

Am I just being impatient? or is there something I can do about this unprofessional sh*t?f

this will happen if they have a shitty insurance company or a cutrate insurance company , most half assed insurance companies will try to do anything to let it sit and not pay out

[MrFunk]

this will happen if they have a shitty insurance company or a cutrate insurance company , most half assed insurance companies will try to do anything to let it sit and not pay out

This. ^^... what insurance company are you working with?

It seems though that things are progressing... just bad timing is all.
The car is at the shop, the adjuster has come out once... it will get done...

[treejs4]

This. ^^... what insurance company are you working with?

It seems though that things are progressing... just bad timing is all.
The car is at the shop, the adjuster has come out once... it will get done...

Her insurance company is AAA.

I always thought AAA was a decent insurance company but it seems like anyone I talk to can't do anything for me. But I guess that's their position that they're supposed to take. It's just annoying that the car has been sitting at the shop for over a week now and AAA refuses to give me a rental car until they get a hold of their insured to get a claim from her even though the police report has a claim....

[4RCFED]

Go through your insurance and they will subrogate against hers(if they're being difficult). Big insurance have great attorneys.

[DannyDeez]

I was hit in early 2014 and got a police report stating it the other driver's fault. I ended up opening a diminished value claim as my $63k car was only a few months old. That DV lawyer advised me not to talk to the other party and report it my own insurance.

I did just that, got my car to the body shop, started the claim right away and the adjuster was from my insurance and they went after the other insurance for me. No need to involve the other party.

Your insurance co insures your car, not their ins co. If you file the claim with yours, rest assured they will get money out of the other party and, meanwhile, you get your car fixed. No need to wait and it should have no impact on your record with your ins co (rated won't go up).

Edit: on top of that you should be able to get a rental car paid for by the other insurance co too, if that matters. If you file through your ins, your limits will apply and they will go after the other party ins for reimbursement. My rental limit was $1000 which covered about a month in a Camry (boo!) rental.

This. Let your insurance company deal with her cut rate place. The police report is all they need to prove blame on that persons insurance. Stop wasting your time with them.

[MrFunk]

I have never dealt with AAA.
Them getting in touch with the insurer is typical - I dealt with the same with a claim with another big insurance company (don't remember which one). There is probably a time period they have (probably 30 days) to get a hold of the insurer before they move ahead without their side of the story. Another case for dash cams...

Seems AAA is ready to move forward though and it's just bad timing with this adjuster, or he/she is very busy etc... at least the wheels are in motion.

(Sucks about the rental car though - I was rear ended in Toronto on a road trip once, when I got back to the US I had to go through my own insurance for the repairs... it was very smooth and my insurance didn't get affected)...

[jran76]

I was hit in early 2014 and got a police report stating it the other driver's fault. I ended up opening a diminished value claim as my $63k car was only a few months old. That DV lawyer advised me not to talk to the other party and report it my own insurance.

I did just that, got my car to the body shop, started the claim right away and the adjuster was from my insurance and they went after the other insurance for me. No need to involve the other party.

Your insurance co insures your car, not their ins co. If you file the claim with yours, rest assured they will get money out of the other party and, meanwhile, you get your car fixed. No need to wait and it should have no impact on your record with your ins co (rated won't go up).

Edit: on top of that you should be able to get a rental car paid for by the other insurance co too, if that matters. If you file through your ins, your limits will apply and they will go after the other party ins for reimbursement. My rental limit was $1000 which covered about a month in a Camry (boo!) rental.

This. Let your insurance company deal with her cut rate place. The police report is all they need to prove blame on that persons insurance. Stop wasting your time with them.

I agree too. I'll admit I don't have a lot of experience with this, but my wife had a couple accidents and I just found it best to let my insurance sort it out even when it was someone else's fault. I understand a lot of people don't want to involve their insurance in fear of their rates going up, but that's going to happen or not happen either way. If you pay for good insurance, use it, and save yourself the trouble of trying to deal with someone else's crappy insurance. I promise you, your insurance company will have a lot more luck. They are a lot better at whatever it is that needs to be done at that point.

[treejs4]

I was hit in early 2014 and got a police report stating it the other driver's fault. I ended up opening a diminished value claim as my $63k car was only a few months old. That DV lawyer advised me not to talk to the other party and report it my own insurance.

I did just that, got my car to the body shop, started the claim right away and the adjuster was from my insurance and they went after the other insurance for me. No need to involve the other party.

Your insurance co insures your car, not their ins co. If you file the claim with yours, rest assured they will get money out of the other party and, meanwhile, you get your car fixed. No need to wait and it should have no impact on your record with your ins co (rated won't go up).

Edit: on top of that you should be able to get a rental car paid for by the other insurance co too, if that matters. If you file through your ins, your limits will apply and they will go after the other party ins for reimbursement. My rental limit was $1000 which covered about a month in a Camry (boo!) rental.

I did happen to stop in my insurance agents office about a week ago and told him that things were moving slowly and what to expect and he didn't seem worried at all about me talking to the other ins company. He took down some information that I had at the time and that was it, never pushed for me to file a claim. I'm sure if i wanted to file a claim it wouldn't be an issue obviously but he didn't seem worried that I wasn't.

[Dr GP]

Go through your insurance and they will subrogate against hers(if they're being difficult). Big insurance have great attorneys.

This will work, but your insurance company will hold onto your deductible. They will then negotiate with the other party's company. Once the claim is settled, you will get back your deductible. But it could take many months. If things don't start moving soon, filing a claim in small claims court will get their attention. I've had to do that twice. I worked both times.

[chaos2984]

The problem is that the person at fault won't answer the phone. If they never talk to the insurance company. The company will never pay out. My dad has gone through this with State Farm. Its hella lame. But these are the facts. If your insurance company can't get ahold of you. Then they deem that the accident never happened. Its so stupid. if you want your car fixed. Just use your insurance company and give them all the info and have them go after her. You will just be out your deductable until her insurance company pays out.

[Dr GP]

The problem is that the person at fault won't answer the phone. If they never talk to the insurance company. The company will never pay out. My dad has gone through this with State Farm. Its hella lame. But these are the facts. If your insurance company can't get ahold of you. Then they deem that the accident never happened. Its so stupid. if you want your car fixed. Just use your insurance company and give them all the info and have them go after her. You will just be out your deductable until her insurance company pays out.

File a claim with small claims court. Have papers served by constable.It gets their attention! Hard to ignore

[blackfunk]

Ahhhh, not sure how that works but your insurance company will fix your car then go after the other party like a pitbull. I wouldn't even waste my time dealing with her insurance company. They have no vested interest in fixing your car.

[treejs4]

Ahhhh, not sure how that works but your insurance company will fix your car then go after the other party like a pitbull. I wouldn't even waste my time dealing with her insurance company. They have no vested interest in fixing your car.

I just wish the "pitbull" part was true. lol
Maybe it's true, I'm just not in dire need of getting it fixed since it won't affect anything with driving it so that's why I'm holding off on shoveling out my own money and own insurance company. I would just like to get my car from the shop for now and this adjuster is being annoying by not following through.

[A4 Joe]

OP... Let their insurance company know your back is starting to get sore and see what their response is.

[palmor]

I did happen to stop in my insurance agents office about a week ago and told him that things were moving slowly and what to expect and he didn't seem worried at all about me talking to the other ins company. He took down some information that I had at the time and that was it, never pushed for me to file a claim. I'm sure if i wanted to file a claim it wouldn't be an issue obviously but he didn't seem worried that I wasn't.

Don't deal with your agent either... call your insurance company. Like others have said they will deal with all of the BS and you'll get your car back faster since they'll not delay in getting it appraised etc. The other thing that will happen is that once the shop gets all the pieces off they will find more then what the appraiser said, and you don't want them dealing with the other person insurance company with that, let them deal with yours.

[palmor]

This will work, but your insurance company will hold onto your deductible. They will then negotiate with the other party's company. Once the claim is settled, you will get back your deductible. But it could take many months. If things don't start moving soon, filing a claim in small claims court will get their attention. I've had to do that twice. I worked both times.

Maybe it depends on what state or insurance company but in MA that isn't true. I got rear-ended, called my insurance company one time and never dealt with anything again until I picked my car up. There was zero out of pocket at anytime.

[jsh139]

This will work, but your insurance company will hold onto your deductible. They will then negotiate with the other party's company. Once the claim is settled, you will get back your deductible. But it could take many months. If things don't start moving soon, filing a claim in small claims court will get their attention. I've had to do that twice. I worked both times.

Maybe it depends on what state or insurance company but in MA that isn't true. I got rear-ended, called my insurance company one time and never dealt with anything again until I picked my car up. There was zero out of pocket at anytime.

Possibly. I'm in PA like Dr GP and my experience has been the same. If you file a claim with your insurance company (regardless of who is at fault) they will charge you your collision deductible. Then, after they subrogate the claim with the other insurance company you will get a refund. But, like you said, it might be dependent upon the state or particular insurance company.

[treejs4]

Possibly. I'm in PA like Dr GP and my experience has been the same. If you file a claim with your insurance company (regardless of who is at fault) they will charge you your collision deductible. Then, after they subrogate the claim with the other insurance company you will get a refund. But, like you said, it might be dependent upon the state or particular insurance company.

From past experiences, this is the same for my ins/state

[esimp2k]

AAA is just the agent as well. I have insurance through them but it's really a third party who's insuring the car.


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[jokingjimmy]

Yep. File it right away with police report. You'll be out deductible until your insurance settles with theirs. On a side note you should also file a devaluation claim as soon as possible, as it's related to current car value depreciation, not based on MSRP.

[BoostEasy]

I did happen to stop in my insurance agents office about a week ago and told him that things were moving slowly and what to expect and he didn't seem worried at all about me talking to the other ins company. He took down some information that I had at the time and that was it, never pushed for me to file a claim. I'm sure if i wanted to file a claim it wouldn't be an issue obviously but he didn't seem worried that I wasn't.

My point about not talking to the other insurance co related to me potentially saying something that could be used later in court as I had opened a diminished value lawsuit. If you have a police report stating the other driver was at fault and don't plan on opening a lawsuit, it's probably fine to talk to the other insurance co if you wanted to. There's just no need to and not a lot of value add as you are not the other insurance co's customer/client.