If I got into a car accident and the car was totaled, what is my responsibility regarding the car having been towed?

I sustained no injures; no other vehicles but my own were involved in the incident and I have full coverage insurance. The car was taken to a yard. The insurance company refused to continue with the claim until I removed the car myself from the yard. I was also told by my insurer after filing a claim, to pay the storage fees and that it would reimburse me for towing and storage fees. However, now it has refused to pay me back until it finished its investigation. It wants me to be responsible for collecting the police reports as well. This doesn’t seem right to me. Should I hire an attorney?

Asked on September 24, 2014 under Accident Law, California

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 6 years ago | Contributor

I am so sorry for the situation.  What you need to do is read your policy - specifically these sections that apply to your situation - and go from there.  Generally speaking, the policy requires your "cooperation" in helping the company obtain details, etc.  Often they can not get the police report when the report is still with the police station.  They have to wait until it is filed with the State.  So your getting it to them helps speed up the process.  If you feel that there are issues you are having with them you can file a complaint with your state insurance department.  Good luck. 


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