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05-13-2008, 06:37 PM
| | Junior Member | | Join Date: May 2008
Posts: 6
| | | Guilty before trial
What is the name of your state? California
I was in an accident over a year ago. I reported the accident immediately, giving all the details and that I have a eye witness. I waited for an adjuster to call me back to take my statement.
Approximately 4 days later, I received a letter from my insurance company stating that I was at fault and my premium was increased. They did not even take my recorded statement as yet and found me guilty.
When the adjuster called to take my statement, we went through the process and again told them about the eye witness. I asked how I can be found at fault without even hearing all of the details in my recorded statement.
The adjuster replied that the company does this as standard practice and that if found not guilty, my premiums would revert back to the lower rate. I have been paying over a year now, a higher premium.
I guess my question is;
Can an insurance company find fault prior to knowing all of the details from the adjuster? And, charging me a higher premium before it has been classified as me being at fault?
At the accident, there was no police report as they did not show. Therefore, I was not cited but neither was the other driver.
Any help would be appreciated.
Thanks |
05-13-2008, 08:16 PM
| | Senior Member | | Join Date: Jun 2000 Location: Somnambulist University
Posts: 39,568
| | Quote:
Originally Posted by beanzy  Can an insurance company find fault prior to knowing all of the details from the adjuster? And, charging me a higher premium before it has been classified as me being at fault? | Yes, they can... but you can bet I would be on the phone with my agent asking what the hell is going on.
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There are at least 17 lawsuits (!!) pending in various courts, including the US Supreme Court, asking if Obama is a natural born citizen (as req'd by Art II, Sec 1 of the US Constitution).
Why has he spent over $1.35M in legal fees to block disclosure... rather than spend $12 for a VALID birth cert to settle the matter? The 'certificate' he has presented doesn't qualify to get a drivers license, wouldn't allow a child to qualify for Little League, or for a real citizen to get a US passport!
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05-13-2008, 11:39 PM
| | Junior Member | | Join Date: May 2008
Posts: 6
| | Quote:
Originally Posted by JETX Yes, they can... but you can bet I would be on the phone with my agent asking what the hell is going on. | I have been ranting and raving for over a year now but all i get from my agent is, "Talk to the adjuster".
If at the end of all of this mess, both drivers are 50/50 at fault, can I get reimbursed for the extra premium paid? |
05-13-2008, 11:45 PM
| | Senior Member | | Join Date: Feb 2006 Location: Philadelphia, PA
Posts: 17,866
| | | If you are 50% at fault, that still counts as an "at fault" accident. How did it happen? | |
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