Anonymous
Anonymous asked in Cars & TransportationInsurance & Registration · 8 months ago

How to deal with a sub- standard car insurance?

Got in an accident my insurance isn’t going to cover. But short story is a lady ran the red light and said she did and check out on the police report. I got her insurance info but seems like there going to be a unwilling difficult insurance. Only looking to get my car fixed. What should be the steps to take when I get the call from there claim adjuster. 

7 Answers

Relevance
  • 1 month ago

    Public Adjuster Miami from https://www.publicadjustersinmiami.com

    • Commenter avatarLogin to reply the answers
  • Edna
    Lv 7
    7 months ago

    YOU don't deal with the other insurance company and you don't talk to them - sub-standard company or not. Turn in a claim to YOUR insurance company, and your insurance company will take care of dealing with the other company. 

    • Commenter avatarLogin to reply the answers
  • Anonymous
    8 months ago

    Rule #1 - DON'T TALK TO THEIR CLAMS ADJUSTER.  He/she is trying to make their insured less responsible and you more responsible.

    The Police Report is useless in an accident because it's the result of the Police interviewing eye witnesses.  If the Police SAW the accident, that's different.  I see a lot of Police Reports thrown out because not every party was interviewed OR the witnesses weren't clear AND the Police are third parties to the accident.

    You should deal with YOUR insurance company and take their advice concerning the other party's insurance.

    • Commenter avatarLogin to reply the answers
  • May
    Lv 6
    8 months ago

    If you have collision insurance, USE IT !

    You don't have to worry, fret or lift a finger except to ask you insurance to handle this.  That is why you have insurance, this is what they do.  Your own insurance company and their many free to you lawyers will handle everything.

    Remember one thing though.  While the lady is probably liable if the accident happened as you say.  Liability is NOT determined by police or by the fact alone that she ran a red light.  ONLY the involved insurance companies can, do and will determine liability.  That is another reason why you should use your own insurance because they will fight for you.  If your company is not involved, who do you suppose the lady's insurance will find liable?

    If you do not have collision, you are on your own........and should consider getting collision (better protection) for the future

    WHEN YOU HAVE INSURANCE..... USE IT !!!!  (for cripes sake.)   

    • ...Show all comments
    • Edna
      Lv 7
      8 months agoReport

      A Hunch:  He shouldn't wait to see 'if it's going anywhere" before reporting the accident to his ins. company. I believe there's a clause in most policies that says you have to notify your company of any accident within a specified number of days, even if you don't intend to file a claim.

    • Commenter avatarLogin to reply the answers
  • How do you think about the answers? You can sign in to vote the answer.
  • 8 months ago

    If you have full coverage on your vehicle your insurance company should be dealing with the other persons insurance company. Did you call them yet?

    If you only have liability your insurance company won't get involved and you'll need to deal with the other person's insurance company by getting two estimates to repair your ride. Then if you get nowhere hire an attorney.

    Source(s): Mitsubishi Master Tech
    • Commenter avatarLogin to reply the answers
  • Rick
    Lv 7
    8 months ago

    Lawyer time .....................................................

    • Commenter avatarLogin to reply the answers
  • 8 months ago

    If the police report said she admitted she ran a red light and it says she admitted fault on the police report, you shouldn't have any problems with her insurance.

    Have you called her insurance company and filed a claim?  If not, you may never hear from their claim adjuster.

    What steps do you take when you talk to the claims adjuster?  tell the truth.

    • ...Show all comments
    • A Hunch
      Lv 7
      7 months agoReport

      Edna you CANNOT FILE A CLAIM ON YOUR INSURANCE, IF YOU DON'T HAVE COLLISION COVERAGE.  Your insurance is non-existent if you do not have collision coverage.

    • Commenter avatarLogin to reply the answers
Still have questions? Get your answers by asking now.