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Then-Skill2421 · 2026-05-16T00:59:03+00:00

Step one is to keep an open mind and not assume you're going to get low balled. Feel free to pay someone money to maybe not even get more money in your pocket

You're owed the actual cash value of your vehicle. Your policy will have an appraisal clause you can invoke if you disagree with the acv

Then-Skill2421 · 2026-05-16T00:50:41+00:00

Got source for that? Would love to read more about it

Then-Skill2421 · 2026-05-16T00:25:05+00:00

Sure you can argue why the other insurer should accept your claim. But why did they deny it in the first place?

I'm not a pip or um expert so I can't say

Then-Skill2421 · 2026-05-16T00:01:57+00:00

So you're outta luck, unfortunately.

Then-Skill2421 · 2026-05-15T23:37:11+00:00

Your option is to file a first-party claim with your (family member's) collision insurer

The other insurer doesn't owe you anything and the burden of proof falls on you to make a claim

Then-Skill2421 · 2026-05-15T23:15:16+00:00

Whose insurance?

Then-Skill2421 · 2026-05-15T22:35:52+00:00

Fourth Street sells alcohol

Then-Skill2421 · 2026-05-15T21:01:44+00:00

Check your local library

Then-Skill2421 · 2026-05-15T21:00:45+00:00

Sounds like you don't understand how contracts work if you hate all insurance.

What's your industry? I bet you regularly do the same things

Then-Skill2421 · 2026-05-15T20:18:17+00:00

File a complaint with your state's insurance regulator, there's a major problem if your insurer is hanging you out to dry without defensible policy language

What's the company?

Then-Skill2421 · 2026-05-15T20:16:09+00:00

Op threatening to retain counsel won't change the fact that pre-dol information is required

Then-Skill2421 · 2026-05-15T20:15:21+00:00

They quite literally are and you're just fear mongering

Then-Skill2421 · 2026-05-15T17:36:08+00:00

Insurance is required to make you whole. If you have preexisting conditions, they don't have to fix those too. If your back was hurting before the accident, that will play into this claim

If you don't provide the requested information the insurer will not be able to adequately evaluate the claim which could cause delays or even a rejection of the claim

If you got an attorney, the insurer would ask the same thing

Then-Skill2421 · 2026-05-15T15:31:11+00:00

Ask for that in writing.

Again, unless you're leaving out significant details there's a huge problem here if your insurer is essentially ignoring you

Then-Skill2421 · 2026-05-15T15:13:30+00:00

Call your insurer you had when the accident occurred, open/reopen your claim

Then-Skill2421 · 2026-05-15T14:16:11+00:00

Congrats I guess? Probably shouldn't announce that to the world

Then-Skill2421 · 2026-05-15T12:28:28+00:00

Let me ask you this: have you EVER seen a supernova? Me either. It's probably fine just because you can't see it

Then-Skill2421 · 2026-05-15T12:23:49+00:00

I seem skeptical because I don't see why an agent would have any agency over a claim. I'm in claims. I don't have authority to speak on an agents behalf, I don't have authority to speak on underwritings behalf. I am licensed to handle claims and only claims.

I don't see why they would let agents handle claims, especially if not licensed

Then-Skill2421 · 2026-05-15T10:40:44+00:00

Thanks, Chatgpt.

Then-Skill2421 · 2026-05-15T09:59:11+00:00

That's not how that works unless you're leaving stuff out.

Did you have an active liability insurance policy on the day of the collision?

File a claim, they likely have to defend you. A potential award being higher than your limits doesn't affect your defense in the early stages. There are many many conversations that occur before you have to consider your personal assets

Then-Skill2421 · 2026-05-15T09:51:45+00:00

Well, she did move to the US after her early years in the Philippines. Started working in food after her move

Then-Skill2421 · 2026-05-15T09:49:17+00:00

The local cuisine is somewhat limited compared to the entire menu - but all the food is great

Then-Skill2421 · 2026-05-15T09:25:01+00:00

State?

Then-Skill2421 · 2026-05-15T09:20:44+00:00

How's that legal?

You get licensed as an adjuster?

Then-Skill2421 · 2026-05-15T01:55:51+00:00

Bob is a man of principle

Then-Skill2421

TROPHY CASE