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Auto Insurance Claims/Insurance company refuses to pay storage and towing to lienholder

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Expert: - 6/26/2011


Question
In May 2011, I was in an accident in my city of Charlotte NC.  My insurance company determined it was my fault. They went on to settle the claim. Now, my lienholder won't release the title or vehicle to the insurance company because they haven't issued  him a check. ALso, the insurance company is refusing to pay the towing and storage fees.  I, as well as the lienholder have been contacting the insurance company for weeks, and no one was getting back to me.  Now, the insurance company wants to pick up the car, but hasn't made payment to the lienholder, although they have my power of attorney for which they said they needed.  I feel like I am caught in the middle here. I don't know what the law says about the insurance company having to pay storage and towing in North Carolina. Help! Thank you!

Answer
Based on your description, the insurer is acting in bad faith.  Call the insurer and ask to speak to the manager.  Politely but firmly demand action on each issue.  Do not yell, this will not help.  If the manager does not help, call the state insurance department and file a complaint.

Auto Insurance Claims

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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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