Looking to ignite action with your insurance company? Discover how to effectively light a fire under them! 🔥🔥🔥 #Insurance #Claim #CustomerService
Unleash the power of these top tips to get your insurance company moving:
What to do when you need to light a fire
- Be persistent: Follow up regularly to keep the pressure on.
- Get it in writing: Document all communication to hold them accountable.
- Utilize social media: Publicly share your frustrations to get attention.
You’ve reported this to your own insurance right??? You deal with your insurance. They deal with the other insurance, who deals with the other party.
This is when you call your own insurance company and file a claim. They will subrogate it to the other insurance at which time you get back your deductible. Note that they will only cover what your policy provides for so if you didn’t buy rental car coverage they won’t pay it up front.
She reports it to her own insurance company. They should be dealing with the other driver’s insurance company.
Call your insurance company. They’ll pay you then go after the at-fault party.
Add me to the list that says you get your own insurance company to do this. The other insurance company knows they can stonewall you.
Please tell me her own insurance company is handling this and she isn’t trying to get the money herself? Because if she is that’s a TERRIBLE plan.
Have your daughter contact her insurance company. They should be the ones dealing the with other driver’s insurance, not you.
Insurance is a scam we’ve come to know & love in the US
If the other party doesn’t respond there is a good chance their insurance denies the claim. File with your own insurance because she may have to sue the other driver.
The other insurance has to talk to their insured…no if ands or buts…if there is a delay, then your daughter needs to go through her own insurance and let them work on getting the money back later
Never have the vehicle towed to a private property , have it towed to a body shop
If the insurance company is getting a bill for daily storage they tend to act a lot faster.(Assuming not at fault, the other drivers company will be footing the bill)
I learned the hard way as well
Out wrecked out Volvo was in the front so long it showed up on Google Street View
Also I have had the worst time with the big name brand insurance companies.
The more they spend on advertising, the less they care about the customers it seems.
Thanks for all the replies. I think she called her insurance company and was advised to file the claim with the at fault driver’s insurance.
Combine that with fear of repercussions for filling a claim with her own insurance company and here we are.
Sounds like she needs to file with her insurance company regardless.
> So far the at fault driver’s insurance company (the good neighbor company 🙄) is stonewalling and saying they can’t get in touch with the at fault driver. This after a week of trying to get things moving.
aren’t you supposed to contact your own insurance company and have them harass the other drivers insurance?
What has her insurance said? If she hasn’t, she should’ve contacted hers already so they can handle things and then go after the driver’s insurance.
Also, never have the car towed to your house – always get it towed to a body shop approved by your insurance. It makes things so much easier
I think it’s required that you report any accident to your insurance company ASAP. If you don’t they can refuse to cover anything, even if it’s not your fault. Your insurance company should take care of you and go after the other insurance company for reimbursement. I hope you have a police report. One thing I learned the hard way is ALWAYS call the police, no matter how small the accident. If not it’s up to the insurance companies to duke it out for who is at fault, and that rarely ends well or fairly.
talk to your own insurance (or in this case the daughters insurance). That is what you pay them for – for them to make you right today and then do the heavy lifting with the other company to get their money back.
She’ll likely have to pay the deductible, and then once her insurance recovers the money from other insurance, they will refund her.
She should stop talking to the other insurance company instantly, file a report with her company, and ask where to get the car towed to and where to pick up her rental car (Assuming she has the coverage).
If there is any friction, then go to the people who you are paying to be the attack dog, b/c the other guys don’t care about people who aren’t paying them.
It’s not the insurer that’s sitting on their butt, it’s their customer. If their insured fails to cooperate in the investigation and settlement of the claim against them then their coverage will be denied for lack of cooperation. She will then have to go directly to their customer herself.
The fastest way to resolve it is for your daughter to have her own insurer pay her under her own collision coverage. After that getting the money back in her insurer’s problem and not hers.
I’ve found if it’s my fault they hurry if I’m dealing with another company they drag usually a lawyer can get things going also at least 3 calls a day.
Hopefully daughter has collision. If so, she contacts her own insurance. They do the rest. Also be mindful that because it happened in NC, even if she is deemed only 1% responsible, the other insurance company pays nothing to her. That’s how NC car insurance works, unfortunately. With a rear-ended like that, it’s usually not an issue. Â
People tell me I’m an idiot for renting a car when I travel more than 250 miles somewhere.
I’d rather spend $60 on a rental and if someone hits me then it’s between their insurance and the rentals insurance.
I take care of my car because it’s just extra money in my pocket from the low insurance costs and cheap maintenance fees.
> So far the at fault driver’s insurance company (the good neighbor company 🙄) is stonewalling and saying they can’t get in touch with the at fault driver. This after a week of trying to get things moving.
If your adult daughter has collision coverage on her vehicle, you’ll be much better off filing a claim with your own insurance under the collision coverage and handling it through them. Yes she will be subject to her deductible (and whether or not they’ll cover a rental usually depends on if you decided to purchase that endorsement). After all is said and done, your insurance company will subrogate through the at-fault party’s insurance on your behalf to recover the money they paid out, and if/when that’s completed then she’ll be refunded for her deductible.
Going through your own carrier will insulate you from the delays you’re experiencing, and overall will be a much better experience. It’s perfectly fine to just work directly through the at-fault party’s company instead, it just will take longer. You can ask them how long they give to make contact with their customer (and believe me, you’d want your company to do this for you if someone filed a claim on your policy against you) – they should be able to answer that for you and the fact that you have a police report should make things faster than otherwise would have been the case.
Your daughter needs to contact her own insurance company. Hopefully she has full coverage. If not, she’s going to have a problem. But her insurance company can pay her and subrogate from the at fault party. It’s in their interest to take care of this.
Yes to the insurance company suggestions. This is what you pay insurance for. Believe me, the insurance company will find the at-fault driver better than you will.
Above that, though, there is never an immediate solution in this scenario.
I work for a law firm. The personal injury/ vehicular accident victims are the worst most impatient narcissists wanting everything their way first and without due process.
Don’t be like that. Let your insurance company do the work and make the calls.
I was in a similar situation as you. I live in Colorado and we have a [State Division of Insurance](https://doi.colorado.gov/). They chase insurance companies down when you file a report with them. Also – I took my car to my dealer to repair. The dealer contacted the at-fault driver’s insurance company and that 800 pound gorilla got my car fixed while the DOI got me my rental car reimbursement.
Last time I had to deal with insurance it took months.
I’m not sure if all states have something similar, but in Maryland there is a state insurance administration and an insurance commissioner.
Usually, when you contact the commissioner or at least the administration about an insurance company bullshitting you, that’s the fire under their ass that you’re looking for.
Stuff gets handled, quickly.
This could end up in a years and years long battle if you rely upon the other insurance company. My buddy is dealing with this now because he only had liability. The other party blew a stop sign and hit his car. It is currently in year 3 or 4 of litigation but nothing has happened yet. The other drivers insurance is known to not pay out no matter what even being at fault. I don’t actually understand the method for it but he is fighting a losing battle here.
The lady that hit him couldn’t even be found for the first few years. She just simply did not respond to any letters sent to her at multiple known addresses. Finally she was found and yet nothing changed for my friend. Her insurance company is great at dodging this too somehow. Even with her getting a ticket at the scene this seems like an impossible task to get money from her insurance.
> How do you get this insurance company off their collective butts and get things rolling?
You don’t.
Even assuming the other person’s insurance is obligated to resolve this issue, they’re not obligated to do so quickly. They can, and will, drag their feet. A “fast” resolution will take on the order of months, but likely longer. (And that’s assuming your daughter reaches a resolution at all.)
If this is a primary vehicle or something that does need to be resolved ASAP, your daughter should go through her own insurance, which will require paying up to her deductible, and your daughter’s insurance will go after this other person’s insurance. Your daughter will likely get a check for that deductible back sometime in the next year or so.
She calls her insurance. Who deals with the other driver’s insurance.
End of.
> saying they can’t get in touch with the at fault driver.
this happened to my wife as well. our insurance is telling us that the other party’s insurance can’t get a hold of the at fault driver so they can’t prove she was there, even though we have their info, police report and video of her license plate as she drove away. Never knew not answering your phone was all you needed to do.