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Auto Insurance Claims/No resolve with MY auto insurance

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Expert: - 12/29/2008


Question
My car was hit in a mall parking lot while it was parked and I was in the mall and MY insurance, which is from a major ins co and which I have almost never used but have paid faithfully for years and have an excellent driver rating with, is giving one reason after the other why all the damage is not covered.  Is there a governing agency or board that oversees these kind of situations with auto insurances?  Do I need to hire a lawyer and be out more money?  Even my Agent does not agree with the insurance's decisions and states he doesn't understand why there adamant about not covering the damages.  What can I do?

Answer
Every state has an insurance department that regulates insurers.  Do a web search for the department in your state.  You can file a complaint with them, and they will investigate to see if the insurer followed the law.

However, without knowing the details, I cannot say whether they had a basis for their decision.  If you would like to provide specifics in a followup question, I can give an opinion.

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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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