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Old 04-04-2006, 11:28 AM
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Join Date: Feb 2006
Posts: 5

Prob with claim


What is the name of your state? Florida
Florida! I was rear ended at a stop light while at a complete stop. The driver of the vehicle was not the owner or insured and was on a cell phone when she struck my truck resulting in over $1100 damage. An adjuster did come out and still has not given me an estimate either. The current estimate I had to take and get on my own. The other car is insured by the same company I also have my insurance with State Farm in florida. The car owner himself exchanged information with me and I turned it in. The company is now telling me the actual person who is listed as the insured passed away and I am having difficulty recouping the funds. Although the other vehicle was still under policy the day of the accident. They now want me to pay for the repairs myself. Not sure if this is a loop hole for them to get out of it or what steps to take from here since both vehicles insured by same company? Initially they said since the licensed driver was not the insured they were checking as it may not be covered. Then they come up with the death of the insured story. Everytime I call it's a "We are checking" but never an answer.
  #2  
Old 04-04-2006, 02:27 PM
Senior Member
 
Join Date: Feb 2006
Location: Philadelphia, PA
Posts: 17,851
Put in the claim through your own policy. Pay your deductible and get the repairs done. When they are done investigating, the other policy will accept liability and you will get your deductible back.

However if you intend on filing a personal injury claim (pain and suffering), then you can also let your lawyer handle this for you (since you should have a lawyer to ensure you get a fair settlement amount for a PI claim).
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