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Auto Insurance Claims/how do you know what the ins. co. is telling you is the truth?

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Question
Claims Guy,
My insurance company is telling me that they won't release any monies to pay off medical bills, until my daughter is 18. Granted that her birthday is in August. I have bill collectors calling me wanting payment. My daughter was involved in a rear end collision while at a stop light forcing her into the car in front of her and then into the curb of the median. The lady who hit her is insured by the same company that I have. They told us to pay the bills ourselves and then wait to be reimbursed when the settlement happens.

Answer
There may be some confusion, because they cannot do that.  I understand their concern about her age, because technically the statute of limitations (which limits the time she can make a claim) starts on her 18th birthday.  But insurance companies settle claims with the parents of minors all the time.  There are forms you can use for that.  Or they could have their attorney file a court approved settlemnt if there is a lot of money involved.  Or they could just advance you the cost of the bills now, in advance of the full and final settlement.  There are plenty of options, and they should try one of them, rather than leaving you out to dry, especially since you are their customer.  I would call and make sure you understood the claim rep correctly.  If yes, then complain to the supervisor.  Worst case scenario, complain to the state insurance department.

Auto Insurance Claims

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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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