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Handling Your Motor Vehicle Accident With Your Own Insurance CompanyDan Baldyga This “How To” article is crucial, up-to-date information concerning what to do if your insurance company is giving you a hard time regarding your own motor vehicle accident claim with them and you’re positive it’s “Legit”. If there’s some problems with whatever position they’ve taken regarding your Property Damage Loss or any other coverage-questions they may be ducking/stalling/ignoring and/or disputing you don’t have to sit back and take it! You DO have options to settle your dispute and you should proceed as follows: #1. FIRST, LET YOUR AGENT KNOW YOU’RE UNHAPPY: Ask them to go to bat for you. If they sit on their butt afraid or “too busy” to get “involved” with your “problem” find out the name and phone number or your insurance companies nearest Claims Department. Contact them and ask for help. Never forget, you’re their insured, your premium’s pay their salary. If the person you’re talking to attempts to handle your problem with uncaring indifference, just like your agent has, than find and talk to that individual’s boss - - The Vice President of Claims and/or whomever. #2. BE PREPARED TO SUPPORT YOUR CASE: Have ready all documents, plus a covering letter to snail mail to that person your finally talking to proving your point and explaining why you’re not satisfied. Send it to them PERSONAL AND CONFIDENTIAL - - with a signed “Return Receipt” requested. #4. CONTACT YOUR LOCAL INSURANCE DEPARTMENT: If you’ve followed your insurance company’s rules for resolving a dispute, and you’re still not satisfied, your own Local Insurance Department can help you. You can reach them by phone, or mail, or often online. WHAT THEY CAN DO FOR YOU: Many insurance departments offer on-the-phone assistance to help resolve the “Problem” without requiring you to file a formal “Written Complaint“. Most post their complaint forms on their Web sites, allowing you to print out the document, complete it at home, and mail it to them. If they don’t have a web site ask that they snail mail their “Written Complaint” form right out to you ! After you provide them with all the necessary information including your policy or claim number and supporting documentation they will notify the insurance company or agent you’re complaining about. The company or agent is then required to respond to the department within a certain amount of time, usually between 10 to 30 days, depending upon the area where you live. Upon receiving a reply, Insurance Department officials will dig deeper, trying to determine what can and should be done. This process usually takes about 30 days. If the Insurance Department decides against the agent or the insurance company which is clearly stated - - and one both your insurance company and your agent know to be a fact of their business life they‘d prefer not to get hung up on - - nor be forced to deal with the Insurance Department has the power to levy a variety of penalties, ranging from a fine to actually revoking the license of the agent or company. When it comes down to the nitty-gritty, these departments have all the power they need to penalize companies that are deliberately ducking or dragging their feet. After reading the above, you may want to consider hiring an attorney to represent you because it can get complicated! If you do, find one who specializes in Auto Insurance. Attorney’s work either at an hourly rate or on a “Contingency-Fee Basis“, depending on the type of case. If you decide to go that route be sure to get your lawyer’s “Fee Structure” in writing. And to remain current on the progress of your claim insist that you receive copies of all correspondence. PLUS: Be sure your lawyer knows that he or she must have your agreement - - before committing to any settlement! Dan Baldyga’s third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM How To Evaluate And Settle Your Loss can be found on the internet at http://www.autoaccidentclaims.com or http://www.caraccidentclaims.com. This book reveals “How To” successfully handle your motor vehicle claim, so you won’t be taken advantage of. It also goes into detail regarding the revolutionary BASE The Baldyga Auto Accident Settlement Evaluation Formula. THE BASE FORMULA explains how to determine the value of the “Pain and Suffering” you endured - - because of your personal injury. DISCLAIMER: This article is intended for background information. Its only purpose is to help people understand the motor vehicle accident claim process. Dan Baldyga nor ARTICLECITY.COM make no guarantee of any kind whatsoever, NOR do they purport to engage in rendering any professional or legal service, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUALS RESPONSIBILITY to obtain it. Copyright c 2004 By Daniel G. Baldyga. All Rights Reserved Dan Baldyga - Author
| | | | RELATED ARTICLES Settling Your Motor Vehicle Accident Claim Yourself Handling a property damage and/or personal injury motor vehicle claim yourself is a simple and routine procedure for ordinary individuals to process on their own ! The vast majority of motor vehicle accident claims require no specialized expertise which allows one to successfully settle it. Online Towing Company Mission: Piece of Mind News from Secure Towing Never Get Lost Again - Map Reading is a Thing of the Past Do you spend lots of time planning routes and checking maps on the road. You dont have any more with a Magellan RoadMate. The Three Basic Methods Of Car Pinstriping Before we talk about the different auto pinstriping methods we need to cover a couple of basic points : Body Care The winter months can be tough on your body... your car body that is. Salt and chemicals used in the colder climates can wreak havoc on your cars precious sheet metal. By doing a few simple things this winter, you can keep your cars body looking its best. The Exhaust System Your cars exhaust system carries away the gases created when the fuel and air are burned in the combustion chamber. These gases are harmful to humans and our environment. A frequent check of your exhaust system is a must to provide for you and your familys safety. Make sure there are no holes in the exhaust system or in the passenger compartment where exhaust fumes could enter. Lets begin by listing the parts of the exhaust system and their functions. Buying a New CarUse Feng Shui to Select Your Success Color With September’s arrival comes the annual car buying season.But while selecting the type of car comes easily to most people, making a decision on the color of a car can be a stumbling block.Some people simply go with their favorite color, while others mull over color choices by considering factors such as climate, type of vehicle use, or the most practical choice, going with what is least likely to show dirt.But what if even that failsThen try feng shui.Yes, feng shui, the Chinese guide used for arranging homes and offices, can also be used for selecting colors based on an individual’s own personal feng shui. Insights Into Your Med-Pay Insurance Coverage While Legal Romantics would like to characterize the trial of a lawsuit as a “Search For Truth” that’s not a reality! What to Remember When Purchasing Your Car Buying a new car is the second most expensive thing most consumers buy. Next to houses of course. That is why it is important to know all the tips on making car buying easy and less stressful. Think about the car model and features you will want. Also think about how much you are willing to spend and STICK TO IT. Car salesmen are almost always paid on commission which means all they want is your purchase. Also, don’t be hasty or feel rushed into making a decision. If you are not sure about something, come back later. The True Cost of a Speeding Ticket Have you noticed more autos on the side of the road with an officer issuing the driver a speeding ticket Have you seen more trucks surrounded by DOT transport police I sure have. There are several reasons for this increased activity. How To Make Money With Used Cars! One of the most important purchases consumers make is a car. The average consumer purchases another car every several years.With the High Cost of new cars millions of people are opting to purchase affordable used cars. How to Negotiate A Settlement With An Insurance Claims Adjuster Strong is all wound up and on the offensive, rambling on and on about how your injuries werent serious. His typical pitch usually goes something like, "Look, Ive been at this a long time. Ive talked to people like you, day in and day out, for over twenty years. People whove gone through exactly what happened to you, with the same sort of claim as yours. Sure, you had a period of discomfort but your so-called injuries were routine. Believe me when I tell you they arent worth much." Car Insurance No Claims Bonus Explained No Claims Bonus is a term used to describe the number of years you have had Car Insurance without making a claim. Put simply, if you have had Car Insurance for 4 years and you have not made a claim in that time, then you have 4 years No Claims Bonus. No Claim Bonus is probably the single biggest factor affecting the cost of your Car Insurance premium. Every year that goes by without you making a claim is another year of No Claims Bonus. Generally speaking, the more No Claims Bonus years you have, the cheaper your premium will be for the car you need to insure. This is because Car Insurance companies can see that your history regarding making any claims is a good one. When changing provider, Car Insurance companies will usually ask you to prove your No Claims Bonus in the form of a renewal notice or a letter from your current Car Insurance company. If you have several years of No Claims Bonus but then make a claim, the Car Insurance company will usually apply its rules of how much to knock back your No Claims Bonus Years. Some companies such as Accept Directhttp://www.acceptdirect.co.ukoffer to protect your No Claims Bonus for an extra fee during the quotation process.Having full no claims bonus can also entitle you up to 75% discount on your car insurance premium. Gain 5 Horsepower This Weekend, For Practically Nothing What if I told you that you can gain 5 horsepower thisweekend, for less than $100 Or, what if I told you that you could gain 5 horsepower this weekend, for less than $20 Why Become A Truck Driver There are a great number of good reasons for someone to become a truck driver. First and foremost among those reasons would be the great pay. Did you realize that most truckers, their first year out on the road, earn an average of $35,000 a year And, that after just a few years out, those same truckers are making an average of $45,000-$50,000 annually And finally, veteran drivers who own their own trucks make average salaries that are over $100,000 a year. What other profession can you get into, where the pay is that good Website Launch in 5...4...3...2...1 JC Customs Web Site Launched! Winter Car Care As the weather turns colder, it is time to think about your car for a second. A little preparation can go a long way to making your winter travels a lot safer. Here is a checklist to get you started. Explore Less-Traveled Paths in Camping Comfort Innovations provide the power to enjoy RV amenities miles beyond the last electrical hookup. Motor Vehicle Accident Insurance Claim Guide This is a FREE Insurance Claim Guide created especially for the readers of ARTICLECITY.COM as a 2004 "Gift", After The Sale Enjoy your car... thats simple huh Well its not really that simple. Here is a list of things to think about after the sale. |
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