Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 6, 2013

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Insurance Question from Fresno, CA

Asked on 05/06/2013

if I have full coverage and my car is stolen and I give them all info but still act rude,no rent a car and still give me the run around. this happened one month ago still nothing has happened I payed 12,500 only had 116,000mil they quoted it to be $5,200.00 to get back if they don't deny the claim. car payed off but they make me fill like they are pointing the finger at me, asking for pg&e, phone records,bank account info and more I am a fended what should I do

Answer given on July 31, 2013

If your car was stolen and you had comprehensive coverage, the insurance company will ca arrange a settlement with you for the actual cash value of the car.In a car theft, the insurance company will wait 30 days before settling, to give time for the car to be found. This is standard for all car insurance, and is stated in the auto insurance policy. However, the insurance company is usually willing to provide for rental car coverage while waiting to settle. Some insurance companies will not pay in advance for the rental car, but will reimburse you.Talk to the adjuster about the rental car coverage. See if it will be reimbursed when the claim is being settled. That may clear that portion of the claim up for you. Sometimes the adjuster wants to be sure the claim is valid, and will ask for some information. You don’t say how long you have had the car, and how long you have been with the insurance company. Those two factors can make an insurance company suspicious if the car is new and/or the insurance is new. If you feel the offer for the car is too low, it is up to you to prove the value of the car. It really doesn’t matter what you paid for the car, the insurance company will only pay the current actual cash value of the car. You can check local costs, get a value from a car dealer, or check Kelly Blue Book.


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