About Bennie719 Expertise I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.
Experience Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license.
I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.
Question A lady ran into our house 8 days ago here in Texas. We contacted our homeowners insurance and her insurance right away and agents came out the next day. We have been trying to get her auto isurance to pay but they are giving us the brush off saying to use our insurance because it will be faster and they have to wait for medical records of the driver to see if they are liable (who went to the hospital and police report said was under the influence of drugs). Our insurance did an estimate, which was much lower than the estimate of the contractor we used and our insurance also said they sent us a check today for their lower amount even though we told them to hold off to see what might happen. What are our options at this point because we ultimately want her to pay but just want our house fixed? Will we be able to get more money even if we cash that check to get started with our contractor, or are we basically agreeing to that amount if we cash it? We don't know what to do!
Answer Hi Amanda,
In order for me to provide a more accurate answer I would like
some additional information. You can change your reply to
PRIVATE if you so wish.
What was the dollar amount estimate from your contractor?
What was the dollar amount estimate from your insurance company?
Do you carry a Home Replacement Cost Endorsement on your policy?
