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Insurance changed their mind???

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Acceptance

Junior Member
What is the name of your state? Maryland

A couple months ago my boyfriend had an accident that was not major in my vehicle. He left a CD in the roof of my vehicle and when it flew off and he realized it he pulled onto the shoulder, backed up some, and as he was placing my vehicle on park this gentleman came out of his driveway and rearended him. The gentleman's insurance admitted liability the next day and had issued me a check for my vehicle's damages (+/-$700). However, my name was so mispelled that I did not even attempt to cash it. As it then turned out, a couple of weeks later, my boyfriend was still hurting so he went to the doctor. He has a degenerative disk condition and some back problems. His doctor took an MRI and concluded that there was something wrong with his neck directly as a result of being rear ended. I faxed the other insurance to advised them that he was going to the doctor's because his pain was not getting any better, a receipt for the CD player that broke when it flew off the console on impact (+/-$100) they had instructed me to do this over the phone), and a receipt for my transmission being fixed from impact too (+/-$200).
Shortly after this happened I was speaking to my insurance who informed me that the other insurance changed their mind and "took back" liability and put a stop payment on the check.
Can they do that? What legal grounds do I have to fight this and how can I go about it?
Thank You,
Acceptance
 


JETX

Senior Member
Acceptance said:
Can they do that?
Of course they can. Your endorsement on that check would have been a settlement.... instead, you decided to dick them around... and they removed their settlement offer.

What legal grounds do I have to fight this and how can I go about it?
You can file a small claims suit against the other driver and explain your 'damages' to the court.
Or you can file your claim with YOUR insurance company.
 

Acceptance

Junior Member
MD.
What settlement offer? That check was to cover my vehicle damages. The settlement they started discussing after my boyfriend mentioned pain, neck, etc. And that quick the settlement turned into "we changed our minds!"

But thank you for the two legal avenues provided. I guess filing with my insurance is not an option since I do not have collision coverage. This only leaves me filing with the court as an option I guess.

Thanks Again,
Acceptance
 

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