Auto insurance company that wants me to pay upfront?

Auto insurance company that wants me to pay upfront?

I need general information concerning auto insurance complanies that pay claims directly to the driver. They want me to absorb all costs (repairs, rental, etc.) and then they will issue me a "-reimbursement"- check. I don'-t want reimbursed for something that their insured driver did to me! I just want them to cover all costs associated with the claim! What, if any, legal action can I take to have the matter proceed in my favor?

mbrcatz

They have no duty of good faith to pay you up front. They don't HAVE to pay you at all, until a judge says they have to.The ONLY legal action you can take is to sue the driver.What you CAN do, is ask them, will they cut the check to the body shop. A lot of times, they will.Source(s):agent, 21+ years

fryeguy9

Technically, all auto insurance liability policies indemnify a third party for losses sustained in accident.We don't know the specifics of your case to determine what exactly they are not covering or other details about whether this is an out-of-state claim or the such.Often, if their insured is not cooperating with the investigation, t hen the insurance carrier cannot accept liability and can only promise to reimburse the claimant once liability has been determined. This has happened hundred of times during my claims career and it is obviosuly nto fair to claimant but the insurance compnay must investigate losses and a non-cooperating insured, police officer or witness can leave a claimant in a real bind.Legally, the insurance ocmpany is not obligated to accept direct billing for rental cars and can offer to reimburse your charges once submitted.Also, no one (you or insurance company)should EVER pay for vehicle repairs until repairs are complete.Source(s):12 years claim experience-NC, SC, TN, KY, MO, VA

mytwodogs60463

go and talk to your agent and have him take care of this for you.

Jake

Take it to a body shop of your choice, Get an estimate. Get the owner of the shop to deal directly with the insurance company for payment. Other than that get a lawyer.

M1759

Have you checked with your own company? Although the accident was the fault of the other driver, you should report the accident to your own company as well. Your own company can act on your behalf through the processing of the claim and obtain any monies due to you through a process called subrogation.

DFK

If the other driver was at fault..then they pay your body shop. You don't. Normallly if you filed with your agent you can have the adjuster work a deal with the other carrier and have it settled. But don't pay out of your own pocket. If this is the case notify your agent.Source(s):agent 37 years

dmvariety

Small claims courts have advisors on certain days. Have all your paperwork ready. Read your contract with the auto insurance company because they are not fair. If they total your car then pay the blue book value and have it fixed yourself.

Ask

insurance

Popular Q&A

Can teachers get auto insurance discounts? What is the best provider to go with?
The best way to find good, and legit, discounts for teachers is to go thru the NEA, a teachers union. If you join the NEA they hook you up with all sorts of discounts and information on discounts.Of course, there are other ways, like AAA or its eco-friendly counterpart. They give good discounts...

Does Florida auto insurance work in Virginia?
What does "work" mean?Florida does not require LIABILITY coverage, only PIP coverage. So the coverages are NOT the same, and FL insurance will not meet VA requirements, HOWEVER: If you're temporarily in another state, and you have at least your minimum state's requirements on your policy...

How often does Progressive Auto Insurance bill its customers?
You will normally be offered an option. You will make your first payment up front, and then they will bill you for the others. They will give you a few choices.

I involved in a car accident and that car insurance just expired few days ago?
Report the claim to your car insurance company.Your company may provide coverage for your brothers car as a "non-owned auto". As long as the car is not provided for your regular use, the liability and collision coverage provided by your car policy may cover your accident in your brothers car...