Auto Insurance Claims/Waiing too lomg

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Expert: - 2/28/2009


Question
Hi,
I was involved in a car accident in January 2007, I was not at fault. Right before the 2 yrs statue expires, the other insurance offered me $5,000 and a letter from their expert saying that my injuries are "highly unlikely" cause by
the accident. I hired an atty who hired an expert who wrote that it is "highly medically probable". At this point, do you think the insurance company will still fight my case? Is this coomon for insurance company to delay cases rather than settling soonier? If so, how long do you think it will take before it get resolve?  It's been over 2 years and I want to move on with my life. I haven't been working due to this accidnet and I don't know if I will ever be in the future. I am done with the treatment and my disability is permanent.

Thank you in advance for your inight to help me get a peace of mind. I am getting depressed and cannot sleep over this. I want it to end.



Grace"  

Answer
Hi Grace,

Sorry for your ordeal.  It seems clear the insurance company does not see things the same way you do.  I would not say they are delaying; rather they disagree with you.  It may be necessary to go to court to let a jury decide who is correct.  You really should seek advice from your attorney.

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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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