Accident not my imperfection - Other guy's insurance (Progressive) won't repay claim?
I was involved in an quirk three weeks ago - guy ran a red light and hit my saloon. The police report attests to that fact as well. Unfortunately, my insurance policy next to Allstate had lapsed, although I do presently have insurance. Allstate, my ancient and present insurer, won't go after Progressive for repairs due to the lapse. Progressive refuses to settle the claim. I assume the biggest factor for them at this point would be they know I don't have anyone in my court on this. Does anyone own any suggestions?
Answers:
Call his insurance company and ask the reason for denying the claim. I chew over you are being fed a smudge by someone. You can also contact your State Insurance Board. This is the agency that is over all companies within your State. You can also contact your local traffic court and advise them that the accident be not covered by insurance.
Did they tell you why they denied the claim? It's not because you have no insurance. Their insured may enjoy given them a bogus story, or you're mistaken as to responsibility. Something is not right. Most lawyers will not take a property claim on contingency. They are interested more within injury cases. I'm assuming you weren't injured or I'm sure you would have mentioned it. I guess you're going to need an attorney anyway. I get the impression it's not intentional, but we're not getting the whole story here.
sue the other driver.
My dad was in a coincidence were he was not at blame and his insurance had lapsed also he had Farmers Ins. and they said they would not sustain him, so he went and got insurance next to all-state and they took care of everything for him. So maybe you should stir get insurance somewhere else or if you pay All-State they might run help.
okay when you own an accicdent, especially a red light accident the police investigate and afford an OPINION as to how they feel the loss occurred. Even though they are an officer it is still an feelings unless there is a witness and even then witnesses bring back it wrong all the time. The insurance company has and must to THEIR insured to do a full investigation. They would take statements from both drivers and look at the damages and look at the police report and make a declaration. Although the police report if favorable to you it is not the final jurisdiction. The adjuster is. While your policy lapsed you are kind of stuck with dealing beside their insurance company. You can contact an attorney but most will not take this type of case as here are no injuries. Yes, you can sue, but remember you'll end up going against the insurance company not the driver. They will represent them. Perhaps Progressive is having trouble gettin hold of their insured. Their could be 100 reason as to why they are not able to pay you at this time however I know it's not because you don't own insurance.
You should talk to the adjuster and ask what the delay is. Most will transmit you. Source(s): claims adj
Your option would be to procure an attorney or take the driver to small claims court if you can. Keep in mind any fees come out of your pocket. Plus, you will own to prove that they ran the red light. I assume Progressive denied your claim because they have a reason, even if its that their driver said you were at eccentricity that you ran the red light not them and that police one and only talked to you and not them and the officer didn't witness it so he really doesn't know what happened. There may be a ton of different things why they denied it. Maybe your state directive is one where if you are even 1% at fault you can't recuperate any money from the 99% at fault party, some states are similar to that and so if they can prove you were inattentive at all later you're out of luck. Just speculating. I would try to find out their reasoning behind it. You can then better argue your overnight case to them and in court if you decide to. Try to integer out if you can prove your case, if you have a witness or they hit the put a bet on of your car so you were at hand to be seen if their driver was fascinated. Any little details might help. They need prove and the burden to prove they be at fault is on you. The police report does not decide liability and is regularly disputed as the officers make a judgement beckon the best they can. Try to find hardcore indisputable evidence. Knock on neighbors doors in the area to see if anyone saw it. Good luck.
That is why lawyers exist, call one today. Oh, and are you losing your license due to not have insurance?
Related Questions:
Answers:
Call his insurance company and ask the reason for denying the claim. I chew over you are being fed a smudge by someone. You can also contact your State Insurance Board. This is the agency that is over all companies within your State. You can also contact your local traffic court and advise them that the accident be not covered by insurance.
Did they tell you why they denied the claim? It's not because you have no insurance. Their insured may enjoy given them a bogus story, or you're mistaken as to responsibility. Something is not right. Most lawyers will not take a property claim on contingency. They are interested more within injury cases. I'm assuming you weren't injured or I'm sure you would have mentioned it. I guess you're going to need an attorney anyway. I get the impression it's not intentional, but we're not getting the whole story here.
sue the other driver.
My dad was in a coincidence were he was not at blame and his insurance had lapsed also he had Farmers Ins. and they said they would not sustain him, so he went and got insurance next to all-state and they took care of everything for him. So maybe you should stir get insurance somewhere else or if you pay All-State they might run help.
okay when you own an accicdent, especially a red light accident the police investigate and afford an OPINION as to how they feel the loss occurred. Even though they are an officer it is still an feelings unless there is a witness and even then witnesses bring back it wrong all the time. The insurance company has and must to THEIR insured to do a full investigation. They would take statements from both drivers and look at the damages and look at the police report and make a declaration. Although the police report if favorable to you it is not the final jurisdiction. The adjuster is. While your policy lapsed you are kind of stuck with dealing beside their insurance company. You can contact an attorney but most will not take this type of case as here are no injuries. Yes, you can sue, but remember you'll end up going against the insurance company not the driver. They will represent them. Perhaps Progressive is having trouble gettin hold of their insured. Their could be 100 reason as to why they are not able to pay you at this time however I know it's not because you don't own insurance.
You should talk to the adjuster and ask what the delay is. Most will transmit you. Source(s): claims adj
Your option would be to procure an attorney or take the driver to small claims court if you can. Keep in mind any fees come out of your pocket. Plus, you will own to prove that they ran the red light. I assume Progressive denied your claim because they have a reason, even if its that their driver said you were at eccentricity that you ran the red light not them and that police one and only talked to you and not them and the officer didn't witness it so he really doesn't know what happened. There may be a ton of different things why they denied it. Maybe your state directive is one where if you are even 1% at fault you can't recuperate any money from the 99% at fault party, some states are similar to that and so if they can prove you were inattentive at all later you're out of luck. Just speculating. I would try to find out their reasoning behind it. You can then better argue your overnight case to them and in court if you decide to. Try to integer out if you can prove your case, if you have a witness or they hit the put a bet on of your car so you were at hand to be seen if their driver was fascinated. Any little details might help. They need prove and the burden to prove they be at fault is on you. The police report does not decide liability and is regularly disputed as the officers make a judgement beckon the best they can. Try to find hardcore indisputable evidence. Knock on neighbors doors in the area to see if anyone saw it. Good luck.
That is why lawyers exist, call one today. Oh, and are you losing your license due to not have insurance?
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