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How to handle automobile total loss claims. I am the president of UClaim and contribute to InsuranceClaimHelp.org .
28 years adjusting claims since 1980. 15 years for insurers. 14 years for policy holders as a public adjuster since 1995. I'm one of the few public adjusters who has handled automobile damage and total loss claims.
CAPIA (California Association of Public Adjusters).
BA 1975 in History and Industrial Arts. Full CV at UClaim .
To educate the consumer.
Insurance laws and policies need to be "federalized", so there are not 50 different sets of state laws and policies, which give insurers the advantage over consumers.
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It sounds like your claims department thinks she is half at fault. So find out why they say that and disprove it if you can. Get a copy of the police report. Perhaps the report says both were at fault?
Well unfortunately your policy says once you turn in the claim, your insurer has the right to settle the claim. I don't know if there may be law in your state which requires the insurer to check with you
This is why you need an attorney. This is not a simple "soft tissue" injury claim. A good attorney will make the difference between you getting 2 and 4 times your medical bills for pain and suffering,
Between 2 and 4 times the medical bills plus other stuff. A lawyer can make the difference between getting 2 and 4 times the amount. Your injury claim will stretch for months, maybe for a couple years
"Work the claim" with both your insurer and the other drivers insurer and see who gives you the most money. Get your offers in writing and don't cash any checks they mail you until you are sure which one
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