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Auto Insurance Claims/What kinda law is this?

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Expert: - 5/12/2009


Question
Because I did not have collision on my insurance, I am responsible for all the headaches.
According to the insurance adjuster of the Insurance company Im filing a claim against, there was a law passed stating rental company claims only has a liability coverage limit of $5000 and the difference will have to be sought after in small claims with the renter. That $5000 is to be divided amongst the 2 cars that the driver hit ( Front and me ).   Does this sound legal? Will an insurance company make stuff up?

Answer
Hi Don,

It is possible that this is true. Some states have very low liability insurance limits and those limits are to be pro-rated between all damages.

The verify this is correct in your state you should contact your state insurance commissioners office.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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