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About Ron Cercone
Expertise
How to handle automobile total loss claims. I am the president of UClaim and contribute to InsuranceClaimHelp.org .

Experience
28 years adjusting claims since 1980. 15 years for insurers. 14 years for policy holders as a public adjuster 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 .

You are here: Experts > Autos > Auto Insurance > Auto Insurance Claims > claim time frame

Auto Insurance Claims - claim time frame

Expert: Ron Cercone - 11/8/2009

Question
My car was stolen, I filled out all of their required paperwork, filed the police report and it has been over 2 weeks. Now I get a letter Geico wants another 30 days to review the information. What is the amount of otime they have to conclude a claim of this sort under the guidelines of the California department of insurance?

Answer
While the "Fair Claims Practices Regulations" (available at the DOI website)have time limits to accept or deny a claim, in practice, all the insurer has to do is send a note to the DOI every so many days saying they have reason to suspect fraud, and they can drag it out for years if they want to. Yes it sucks, so remember that if you vote for Republican for insurance commissioner.

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