Dealing with Insurance Companies..
Just seeking suggestions and/or advice... This week my Immaculate Truck was attacked and severly damaged by a logging truck on the interstate. No injuries thank goodness. I have been in contact with ...
Forum Discussion
if you guys think your ins agent is your "agent" in a case like this...you better high tail down to your ins agent's office and bounce the senario and get a direct read on what your ins agent is going to do on your behalf.
The ins agent is a one of two things (1) a direct employee of the ins company or (2)so called independent contractor. The employee has no "skin" in the game like the old school agents.
Ins agent may talk a good game on the front end...but in reality they are not going to do "@#@(" on your behalf except some trivial admin type junk. They do not represent you in a matter like this because your insurance policy / coverage is not involved and their is no claim or action against your insured property or your actions, therefore your ins. company in the long run is going to tell you "its your busines".
I suggest that if you have a lawyer friend....go consult that person... a ltr from the lawyers office can accelerate settlement. But you gotta weigh the lawyer bills if things get serious on a trivial amount of $$...as dumb as that sounds. I believe the damaged party is at a disadvantage and that's not a whole lot to be done other than lawyer time or you can contact the insurance commissioner in the state in which the ins company operates or is headquartered, but i suspect that will be a long no-win process.
The bad thing about these type of events is that it pits an individual who may or may not have any experience with this type of action against a large corporation or large business who deals with this all the time, and obviously where the parties are not equal in resources or information or expertise...etc.
Few if any advocates for the individual...other than if your retain a lawyer....your ins. agent is not your advocate...if you believe that you need to have a serious talk with your ins agent so you understand what that means and when the @#$% hits the fan what "your guy" is actually going to do.
The ins agent is a one of two things (1) a direct employee of the ins company or (2)so called independent contractor. The employee has no "skin" in the game like the old school agents.
Ins agent may talk a good game on the front end...but in reality they are not going to do "@#@(" on your behalf except some trivial admin type junk. They do not represent you in a matter like this because your insurance policy / coverage is not involved and their is no claim or action against your insured property or your actions, therefore your ins. company in the long run is going to tell you "its your busines".
I suggest that if you have a lawyer friend....go consult that person... a ltr from the lawyers office can accelerate settlement. But you gotta weigh the lawyer bills if things get serious on a trivial amount of $$...as dumb as that sounds. I believe the damaged party is at a disadvantage and that's not a whole lot to be done other than lawyer time or you can contact the insurance commissioner in the state in which the ins company operates or is headquartered, but i suspect that will be a long no-win process.
The bad thing about these type of events is that it pits an individual who may or may not have any experience with this type of action against a large corporation or large business who deals with this all the time, and obviously where the parties are not equal in resources or information or expertise...etc.
Few if any advocates for the individual...other than if your retain a lawyer....your ins. agent is not your advocate...if you believe that you need to have a serious talk with your ins agent so you understand what that means and when the @#$% hits the fan what "your guy" is actually going to do.
