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Is it legal? | The other person is not filing a claim
Someone hit my parked car at a restaurant. The individual gave all her information and said she has full coverage and will pay for the damages.
She has not filed a claim yet and her adjuster is telling me that he is having problems reaching her and the actual policy holder. AND!!! There are policy changes!!!!!???
I told him they better not have made them after the accident! He then told me he could not discuss this with me until he talk to them.
It seems to me either the insurance company is trying to get out of paying or the policy holder is trying to get out of this claim.
Is this against the law? People would do this everyday to get out of paying for their wrecks.
It's not illegal. Actually, the insurance company would get sanctioned if it pays for a claim without consulting/investigating with the policy holder.
Would you want your insurance company paying for claims on your policy without contacting you?
The problem is what you outlined, it's difficult for those who are waiting to get paid. Your options are to take the person to court or to make a claim against your own policy - both insurance companies will have to determine how to get paid after your damages are taken care of.
As always, it is very important that you talk with a local attorney!
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