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: Aug 17, 2011

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Insurance Question from Silver Spring, MD

Asked on 08/17/2011

What should i do if Insurance compant make delay—–1s Part ON May 07, 2011 my car was park in the parking lot. I was not in the car even nobody in the car. I am working that time. After finish work when I come to my car I see my in not on parking space somebody hit my car and it move form parking space. At that time a police officer come and told me they caught the person who did and that police office give me a case number and then after 2/3 days I want to police record department to get my police report. After collect that i can other insurance company to claim my insurance. Since that day (other insurance) they try to say the person who hit my car

Answer given on August 19, 2011

If the other insurance company is denying coverage for their client, you may find it easier to go to your insurance company, presuming you have collision insurance on your car, and have them pay for the damages and then subrogate against the other company. You will have to pay your deductible until your company can get reimbursed by the other insurance company, but it may be easier than trying to fight it out with the other insurance company. If you do not have collision insurance, then you must work with the other insurance company. Make sure they know of the police report and if you can’t make any progress, ask to speak to a supervisor and see if they can help settle your claim.Your insurance rates will not be affected even though if you go through your insurance company, since the accident was not your fault. Be sure to stay in touch with your agent and/or company to follow the progress of your claim so you can get your deductible back.


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