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Auto Insurance Claims/Help! What to do?

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Expert: - 12/20/2008


Question
I was involved in an accident exactly 1 week ago where this
guy ran through a STOP sign and collided with the driver
side door, spinning me around 180 degrees, but no one was
injured. So i called my insurance and then his, and his
insurance said that they will send someone to look at my
car which is currently parked at my residence. A week has
passed and got no call from any claims adjuster so far. I
called his insurance back today and no answer. I called my
insurance today and quickly got an appointment setup for my
Insurance adjuster to see the car in about 5 days. I was so
upset that i didn't just let my own insurance handle all
this, since i have full insurance anyway, and let them deal
with his insurance (Nationwide).
So anyway, should i let them come see the car at my house
or should i take it to a local collision center and let the
adjuster get an estimate from them? I don't want to waste
any more time than i already have to settle this matter. I
am hoping that the car is totaled so i can get some other
car. It is a 1999 Acura Integra with 113k miles on it
(automatic).

Thanks

Answer
Normally I would say to bring it to a shop, because the adjuster can write a more complete estimate there by inspecting the vehicle with the shop to make sure they don't miss anything.  But since you think it is a total, that might just delay the process and add the cost of an unnecessary tow.

Nationwide should have inspected the car by now; this is not acceptable.  It could be they are behind in their workload, or maybe someone made a mistake.  You should call back and demand to speak to a supervisor immediately to complain.  Do not take no for an answer.

Auto Insurance Claims

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Claims Guy

Expertise

I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Experience

I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Organizations
CPCU Society. Adjusters license in multiple states. International Association of Specal Investigators

Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.

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