J
JayM
Guest
This is a two part question:
(1) If an individual causes an accident and the insurance company admits liability, but the limits of the coverage don't even begin to pay the medical bills, is the insurance company only responsible for the limit?
(2)In my case, the insurance company declared my vehicle totalled and we agreed on an amount. The check was never issued and the vehicle is still sitting in my driveway, 3 years later. My calls went unanswered. I had originally asked the insurance company just to settle with me for the car and pay my initial medical costs, but I was told that if I wanted a dime, I'd have to sue them. Now for the question: Do these actions cross the line regarding fair practice and ethical responsibility, and can an insurance company be held responsible for such actions/negligence?
(1) If an individual causes an accident and the insurance company admits liability, but the limits of the coverage don't even begin to pay the medical bills, is the insurance company only responsible for the limit?
(2)In my case, the insurance company declared my vehicle totalled and we agreed on an amount. The check was never issued and the vehicle is still sitting in my driveway, 3 years later. My calls went unanswered. I had originally asked the insurance company just to settle with me for the car and pay my initial medical costs, but I was told that if I wanted a dime, I'd have to sue them. Now for the question: Do these actions cross the line regarding fair practice and ethical responsibility, and can an insurance company be held responsible for such actions/negligence?