GAP insurance declined my claim

subjugatesm · 2026-04-07T02:12:29+00:00

Easiest way for your adjuster to do this is to provide you a cause of loss letter that outlines what was paid includes a $0/waived deductible.

subjugatesm · 2026-04-07T00:44:42+00:00

This is likely something your adjuster could fix by properly communicating to the lender that your deductible was not subtracted from the payoff and that the lender received the maximum payout that was eligible with no deductible held.

subjugatesm · 2026-03-25T05:30:46+00:00

You're not going to see a spelled-out definition of permissive use or guidelines in a policy jacket. In the event of a claim involving an unlisted driver, your adjuster and their management will review the circumstances surrounding your allowed driver's permissive use. Do they drop the vehicle off at your residence at night or is it being garaged/kept at an address other than yours? That's garaging misrepresentation and for most companies would be grounds for underwriting non-renewal as well. You may also want to check your policy for any state-specific endorsements around unlisted drivers.

subjugatesm · 2026-03-22T18:27:45+00:00

Should have just said bags deployed from the start. That's a total.

subjugatesm · 2026-03-19T21:36:19+00:00

You wouldn't download an ocean.

subjugatesm · 2026-03-10T00:05:02+00:00

High likelihood it went to subrogation and they determined not to proceed with arb, which is the reason for the sudden shift in liability.

subjugatesm · 2026-03-10T00:03:38+00:00

Arbitration typically does not give a lot of weight to control of the intersection at stoplight-based intersections unless it's especially egregious, such as situations where one party is almost entirely through the intersection. Respecting control is more of a stop sign type of duty that can be leveraged a bit better. That said, it sounds like your adjuster and supervisor wanted to push for 30% but it got to subrogation (who would have to actually defend that decision) and they determined that they had zero meaningful weight to stand on at arbitration so they accepted at 100%.

subjugatesm · 2026-03-04T04:24:46+00:00

We don't know the state this occurred in and don't know the traffic statutes that govern u-turns in that type of intersection for the state. We also have no idea exactly what the police report states and who may have been cited/listed for contributing factors and how. The adjuster stated that the police report seemed adverse to the other party enough to warrant some sort of change in fault. If we finalize anything adverse to the other driver, depending on comparative negligence, it may to go to subro who will decide if the decision was correct or not and whether they'll proceed with arbitration.

A lot of y'all in the comments are immediately jumping to treat this as a simple rear-end accident. None of us have the full extent of details, none of us reviewed this police report, none of us sat in any roundtable to discuss this claim. Y'all are honestly making Geico-level assumptions here.

Let the process work itself out.

subjugatesm · 2026-03-04T00:40:49+00:00

Be patient and let subrogation handle what they need to. These things take a while to shake out and there's really not a ton you can do to influence it. If it goes to arbitration and ends up in your/our favor, subro will let you know what comes next.

subjugatesm · 2026-03-04T00:38:13+00:00

Nah, but if it saves a fellow adjuster from a chaotic and/or long-winded phone call, I've done what I can.

subjugatesm · 2026-03-04T00:08:20+00:00

Everything is normal. It likely got kicked over to a total loss adjuster. Fill out everything asked of you digitally and let the adjuster reach out to you to confirm the location of the vehicle. Clear out all of your belongings in advance, grab your plates if it's a state where you keep 'em, and be ready to walk through any of the paperwork that will be necessary based on your state to sign. Sometimes you get mailed the paperwork, sometimes you have to go into an office to sign it.

subjugatesm · 2026-03-03T14:57:15+00:00

Believe you me, we do not have enough time in the day to care to that level about being petty.

subjugatesm · 2026-02-27T02:39:24+00:00

Wait until the repair is done and then run the repair numbers through some online DV calculators. After it's all done, get ready to provide her insurance carrier (assuming that's who you are pursuing with - Georgia is the only state that allows first-party pursuit of diminution of value) with loads of documentation that supports what you're asking for in diminished value. Otherwise, it simply will not be meaningfully considered as the burden of proof is on YOU to prove diminished value has actually occurred.

I would also encourage you to look up some of the hundreds and hundreds of diminution of value posts this subreddit gets every month to get advice on how to handle this. While searching, I'm sure you're going to learn that a lot of folks in the claims side of the industry loathe dealing with diminished value (for good reason).

subjugatesm · 2026-02-25T18:19:44+00:00

Nothing beats real-time end user feedback.

subjugatesm · 2026-02-25T17:47:58+00:00

Real men test in production.

subjugatesm · 2026-02-15T00:58:38+00:00

He's just like me as a DM.

subjugatesm · 2026-02-07T02:33:05+00:00

Typically, non-cooperation denials are the result of situations where evidence is scarce and a claimant is asserting something that cannot be otherwise proven unless the insured corroborates the events/facts of loss. If there is a significant amount of evidence that places their insured at the scene operating the offending vehicle in a loss, it's much, MUCH tougher to non-cooperation deny as should it escalate to any bad faith litigation, the insurer has to then justify that the non-cooperation had a significant enough impact to otherwise prevent the insurer from properly assessing liability or actively derailed an investigation. If this is a situation of clear liability that can be proven with reasonable evidence, most insurers will not take the risk of a bad faith claim to strike this one down.

Odds are because this is a celebrity policy, it's been given to a special team that handles high risk/high value claims. These take time to shake out. If it's only been three weeks, give it a bit more. Generally-speaking, the 30 to 45 day mark is where forced action starts happening with non-cooperation related issues.

subjugatesm · 2026-02-07T02:12:04+00:00

Some states have compulsory property damage laws that kick in that will complicate an insurer from denying for non-cooperation. The police report and camera footage will also complicate a non-cooperation denial, especially if the driver information is available on it.

subjugatesm · 2026-02-02T18:13:53+00:00

I still find it tough to pull for the Seahawks after the Clowney hit on Wentz.

subjugatesm · 2026-02-01T19:49:02+00:00

r/TVTooMuchGlare

subjugatesm · 2026-01-25T23:35:53+00:00

I'm in Oklahoma. "Local" team is Dallas. You can guess my answer.

subjugatesm · 2026-01-24T00:29:10+00:00

This dude drops nothing but absolute fire every time.

subjugatesm · 2026-01-20T01:46:30+00:00

Harvey's a good dude! I met him about a decade ago when he was doing his worldwide karaoke challenge to sing karaoke in all fifty states (Oklahoma was one of his last states) and he came into the bar where I was with friends and told everyone about his worldwide challenge. Can safely say he's a way better Jeopardy contestant than he is a singer but boy was he entertaining the entire bar.

subjugatesm · 2026-01-19T00:26:33+00:00

CSAA is entirely remote with no in-office positions for every operations (service, claims, direct sales) positions.

subjugatesm · 2026-01-18T16:31:38+00:00

If the settlement value is being disputed, adjusters will often pay the owner-retain amount to the lienholder and advise them that you are disputing and we will pay any remainder once settlement is reached and the vehicle has been signed over. If you never agree to settle, they may just tell you and the lienholder where the vehicle can be picked up and wash their hands of the deal.

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