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Auto Insurance Claims/Partially denied claim

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Expert: - 11/20/2009


Question
My wife was in an accident. The other driver turned out in front of her and was given a citation. Her claims department says she was not at total fault and only wants to pay half the damages. My claims department has washed there hands because I only have liability ins. What should I do?

Answer
It sounds like your claims department thinks she is half at fault. So find out why they say that and disprove it if you can. Get a copy of the police report. Perhaps the report says both were at fault?

Your claims department is not paying half of the other parties damage because you only have liability insurance, they are paying half because they think your wife was partially at fault.

As to your own damages, if you had collision coverage, your insurer would pay your damages regardless of who was at fault. If you have the UMPD endorsement, then your insurer would pay your collision damages up to a minimal amount like $3500.00 subject to the percentage of fault by your wife.

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Ron Cercone

Expertise

How to handle automobile total loss claims. I am the president of UClaim.com, which sells 29 different eBooks I have written on how to maximize various types of auto, home and business claims and how to get coverage on denied claims. You may view their tables of contents online. Also available are very specialized eBooks such as on EUO (Examination Under Oath) for example. Also available is an assortment of policy forms used by the most popular insurers. The eBooks have a money back guarantee and currently include personal consultation with Ron Cercone.

Experience

I have been adjusting insurance claims since 1980. 1980 to 1995 adjusting for many insurers (6 years as an independent adjuster with my own company). Currently working as a public adjuster in California, since 1995. I'm one of the few public adjusters who has handled automobile damage and total loss claims.

Organizations
CAPIA (California Association of Public Adjusters).

Education/Credentials
BA 1975 in History and Industrial Arts. Full CV at UClaim.com .

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