Expert: Bennie719 - 3/25/2008

Question
Stat of Tennessee.  I file a auto theft claim on 1-31-08, the vehicle that was stolen was a high end vehicle (no lien).  The insurance company completed their investigation (interviewed my wife and i both over the phone and sent an investigator out to my home).  About a week ago I contacted the adjuster and he informed me that the claim was forwarded to the total off department (vehicle not recovered as of today)for payment of the claim and that adjuster would be contacting me shortly.  I spoke with the total off adjuster and she informed me of the next step, which was get the market value of the car and if the dollar amount was not over a certain amount she could fax me a form that would give them ownership of the vehicle and that i would need to mail the title.  However, if the amount was greater she would need signatures from her supervisor, needless to say it was higher!  Days have passed and i have not heard anything from the insurance company and finally i get a call on yesterday from a different adjuster and he is informing me that the supervisor wants me to clear up some questions and would like for me to answer some questions from their attorney under oath before he pays out on this claim.  I have been responsible for paying my rental car coverage because it ended on 3-04-08, (I owe $800.00) they refused to extend it because of their policy (I was told that they don't pay for rental coverage if an investigation push them over the 30 days i have on my policy).  I am very very very frustrated and need to know what options i have.  Do i need to consult an attorney, file a complaint or what?  Date of loss was 1-31-08 and it is still open today.  State of Tennessee

Answer
Hi John,
Most states allow the insurance company up to sixty days to investigate and either deny or pay the claim.
If your situation isn't resolved in the 60 day period, you should file a complaint with the state department of insurance.

In my opinion, you need to retain an attorney to represent you and go with you to the deposition.  You will be being asked questions be the insurance company attorney and you need your own attorney to advise you which questions that you do not have to answer and how to limit your response to each question.

In todays world, insurance companies are using every method possible to delay or deny a claim.  

I hope this information has been of help.
Your feedback by rating my answer will be appreciated.
Sincerely,
Bennie
San Francisco Bay Area