Expert: Charlie Barone - 7/12/2009

Question
I had a small accident 6 month ago. My insurance took care of the repair at that time. SOme major problem showed in my car now which, according to the technician, happened because of the engine over heating happened at the time of the accident 6 month ago. The actual engine damage was done at the time of the accident, it just took long time to show its affects now.
What can I do in order to have it covered as part of the same accident by my insurance company. They are just denying that it already 6 months. Pls. advice.

Answer
You need to gather all the evidence you can in writing and submit it to your insurance company. The evidence should consist of written documentation of the cause and effect of the engine damage by a qualified technician, dealer service department representative, or anyone with credentials. Have them show their credentials in their written appraisal of the damage.

There is a mechanism in all insurance policies to settle disputes in claims, that is known as the appraisal clause. The clause provides for resolution of the dispute with a binding arbitration, in which the policyholder hires an appraiser, the insurance company hires an independent appraiser, and the two appraisers select an umpire to settle the dispute. If sending your written notification of the claim does not yield positive results, then send your insurance company written notice of your election to exercise the appraisal clause and get yourself an independent appraiser. You can consult the yellow pages or go online to find a local appraiser who can help you.