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Auto Insurance Claims/Rear ended at stop light

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Question
Hello Claims Guy,

I live in North Carolina.  We were stopped at a light when I was rear ended while driving my mom's car with her insurance. She was in the passenger in the car with me at the time.  Fortunately, no one was hurt.   This was not a major accident, but it jolted us around and potentially cause some damage to my mother's car.  

The other person had been distracted and had taken their foot off the brake allowing their car to hit ours.  I believe that this was clearly the other person's fault.

I called my mom's insurance company on Monday to provide the police report number and notify them about this incident.  It is now Friday neither one of us has heard back from her insurance company.  Yesterday,(Thursday) the person that held the other insurance policy on the other car (not the driver) called and left a message.  I was not able to speak with him and I really did not want to yet.  I assume that this would be with regards to settling up about the accident.

Neither myself or my mother have been through this insurance process before.  Could you provide a brief procedure about what the sequence of events should be for this type of incident?  Any other recommendations or suggestions would also be appreciated.

Thanks

Allen

Answer
You should call your Mom's insurer and ask for immediate service.  This is lousy service - they should have called you back within a few hours, not days.  If you do not get assistance within a couple hours of calling tomorrow, call back and ask for the manager.  The claim rep can explain everything.  

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Claims Guy

Expertise

I am currently an Auto Claims Manager for a large insurance company. I have 20 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 20 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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