Car accident aftermath insurance claim getting complex? (auto, brake, replacement)
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Had a car accident at a parking lot, in April 2017 . Police came and report was filled, person who crashed my car stated on police report being distracted on the phone as she was driving. She reported on the phone to her insurance Progressive and I reported to Geico. No physical injuries on any part, except from some neck pain that lasted for about a couple of days and went away. my car was totaled lost and Geico paid my car dealer the remaining of the car balance, I paid the $500 deductible to Geico.
Ive been on the phone with Geico and Progressive so many times! anyways Her insurance, Progressive has called me multiple times to request my statement over the phone to two different adjusters which I did. I got a call from one of the adjuster stating that they will send me a check for $600 for bodily injuries. even tho I stated to progressive having a bit of neck pain for a couple of days that went away.
Today I got another call from geico asking me to give them another statement about the accident. I am so frustrated as I already have gave my statement to progressive. There is also the police report that states that the other lady was distracted on the phone.
Ive never had a car accident before and so far this has been the most traumatic experience considering the amount of calls and statements I am giving. I dont know what else to do? Should i hire an attorney? I really dont want to deal with this anymore.
Had a car accident at a parking lot, in April 2017 . Police came and report was filled, person who crashed my car stated on police report being distracted on the phone as she was driving. She reported on the phone to her insurance Progressive and I reported to Geico. No physical injuries on any part, except from some neck pain that lasted for about a couple of days and went away. my car was totaled lost and Geico paid my car dealer the remaining of the car balance, I paid the $500 deductible to Geico.
Ive been on the phone with Geico and Progressive so many times! anyways Her insurance, Progressive has called me multiple times to request my statement over the phone to two different adjusters which I did. I got a call from one of the adjuster stating that they will send me a check for $600 for bodily injuries. even tho I stated to progressive having a bit of neck pain for a couple of days that went away.
Today I got another call from geico asking me to give them another statement about the accident. I am so frustrated as I already have gave my statement to progressive. There is also the police report that states that the other lady was distracted on the phone.
Ive never had a car accident before and so far this has been the most traumatic experience considering the amount of calls and statements I am giving. I dont know what else to do? Should i hire an attorney? I really dont want to deal with this anymore.
Is this a normal procedure?
1. Unfortunately it seems as though the claims process is becoming longer. I'm running into insurance companies that want the most detailed, meticulous information now. Plus, the delay in getting back to claimants is growing. Insurance companies don't really hire adjusters any more. They hire people to gather hordes of information for them. Valuation of claims is often made by computer programs with companies like Allstate and Farmers. It sucks, but its impractical to do much about it particularly in disputes over property damage.
2. You didn't have to give a statement to the other person's carrier, Progressive. You do have to give one to your own insurance company, GEICO, if you expect them to honor obligations under the policy.
3. You probably can't hire an attorney. Because if you aren't injured there would be no point in one taking the case. Without an injury, an attorney is not going to take this case on a contingency fee basis. You'd be expected to pay by the hour and I doubt you can either afford or want to do that. If you call a local attorney, you can probably confirm everything I am telling you here.
4. If you aren't injured and don't intend to pursue a claim for injuries, there is no reason that you shouldn't take Progressive's $600 check for the inconvenience you've been through. If you do take it, it will probably come with a Release that will preclude you from pursuing an injury claim in the future.
1. Unfortunately it seems as though the claims process is becoming longer. I'm running into insurance companies that want the most detailed, meticulous information now. Plus, the delay in getting back to claimants is growing. Insurance companies don't really hire adjusters any more. They hire people to gather hordes of information for them. Valuation of claims is often made by computer programs with companies like Allstate and Farmers. It sucks, but its impractical to do much about it particularly in disputes over property damage.
2. You didn't have to give a statement to the other person's carrier, Progressive. You do have to give one to your own insurance company, GEICO, if you expect them to honor obligations under the policy.
3. You probably can't hire an attorney. Because if you aren't injured there would be no point in one taking the case. Without an injury, an attorney is not going to take this case on a contingency fee basis. You'd be expected to pay by the hour and I doubt you can either afford or want to do that. If you call a local attorney, you can probably confirm everything I am telling you here.
4. If you aren't injured and don't intend to pursue a claim for injuries, there is no reason that you shouldn't take Progressive's $600 check for the inconvenience you've been through. If you do take it, it will probably come with a Release that will preclude you from pursuing an injury claim in the future.
Thats sounds like good advice. But for the record Allstate does have claims adjusters, at least for major damage. I have filed two claims with Allstate. One on my own policy, and one on the other parties policy. Both times they sent an adjuster to look at my car. No computer programs. It was a very slow process, but they did a good job evaluating the damage. I have wondered how they can afford it, and why they don't just cut a check and be done with it. But they definitely have adjustors.
Now that I think about it, that's probably why their insurance is so damned expensive. Especially if you have an accident.
TBut for the record Allstate does have claims adjusters, at least for major damage.
For repairable damages, Allstate will use an adjuster. The adjusters however use specialized computer programs and databases to create the numbers. But, for a total loss they use CCC Information Systems to value your vehicle. CCC's computers and comparable methods are designed to create low ball offers dressed up as a preacher.
For repairable damages, Allstate will use an adjuster. The adjusters however use specialized computer programs and databases to create the numbers. But, for a total loss they use CCC Information Systems to value your vehicle. CCC's computers and comparable methods are designed to create low ball offers dressed up as a preacher.
The adjuster I had, had experience in auto body work. He spent about three hours looking at my car, and ordering the parts to be shipped to the autobody shop. Obviously he was looking to find the cheapest price on parts. He then followed up with the shop on additional parts that had to be replaced.
I also had a total loss claim. In that case the adjuster spent a lot of time researching the replacement value of my car. He ended up paying me almost twice the value of the car, based on the replacement cost.
Both cases, they gave me long detailed reports on how they came up with the figures. It was obvious to me that they put a lot of work into the claim. It was not just generic data pull up on a computer. The reparable damage claim included a list of parts, the suppliers, and the price, and how much they would pay the shop for labor. The total loss claim included hundreds of detailed sales listings for cars of the same make and model from all over the state, gong back about one year.
Allstate did not lowball me on either claim. They did however double my premiums after the claim. So I dropped coverage with them. That was because of them jacking up my rates. Not because of the adjusters, whom I think did a very good job.
There's no benefit at all to you to give a "statement" to an opposing insurance company. Nothing good will come of it, and it really can only be used against you.
Thats sounds like good advice. But for the record Allstate does have claims adjusters, at least for major damage. I have filed two claims with Allstate. One on my own policy, and one on the other parties policy. Both times they sent an adjuster to look at my car. No computer programs. It was a very slow process, but they did a good job evaluating the damage. I have wondered how they can afford it, and why they don't just cut a check and be done with it. But they definitely have adjustors.
Now that I think about it, that's probably why their insurance is so damned expensive. Especially if you have an accident.
Had a car accident at a parking lot, in April 2017 . Police came and report was filled, person who crashed my car stated on police report being distracted on the phone as she was driving. No physical injuries on any part, except from some neck pain that lasted for about a couple of days and went away.
Car totaled in a parking lot and you had neck pains for two days?
I'd not cash that check and clear negligence on the part of the other driver with that cell phone involved.
If their insurance is Progressive I would not give them the time of day on the phone. Speak to an attorney first. The initial consultation is no charge. Dozens in your phone book.
If you do not want to deal with it any more then cash the check and use your own health insurance for any medical issues you may have related to the accident in the future.
We received $250 from an insurance company because their driver let their foot slightly release off the brake pedal in the drive thru line at Burger King.
We got $250 for that and you only got $600 for an accident that totaled your vehicle?
There's no benefit at all to you to give a "statement" to an opposing insurance company. Nothing good will come of it, and it really can only be used against you.
Zippyman, you mentioned "There's no benefit at all to you to give a "statement" to an opposing insurance company. Nothing good will come of it, and it really can only be used against you.
Zippyman, you mentioned "There's no benefit at all to you to give a "statement" to an opposing insurance company. Nothing good will come of it, and it really can only be used against you.
what does that mean it can be used against me?
Whatever you say can be used against you. Insurance companies are not your friend. It has to be a hell of a hit to hurt you and total your car. How freaking fast was the other driver going?
I believe cashing the check they offer may be taken as you settled.
I would consult a lawyer even though you're not hurt now you were hurt before.
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and you had neck pains for two days? 
Zippyman
