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This is part four of the review of my auto accident claim that happened on October 19th. If you haven’t read the other postings you will probably need to go back and do that before you read this one.  http://www.schuldt-ins.com/blog/so-let-me-tell-you-about-getting-hit-by-a-truck.aspx

As you may remember in the last posting I talked mostly about talking to the other company’s independent adjuster.

A few days later we were notified by the same adjuster that he had someone go take pictures of the vehicle and the accident site and we could move the vehicle.  We called a junk yard and they came and got the vehicle. If and (I hope) when they pay for our vehicle they will determine how much our vehicle was worth and they will pay us for the vehicle minus what we received from the junkyard.

A few weeks went by and the bills started to roll in. I have been lucky enough to not need to have much interaction with the medical community in my life but after seeing the medical bills I am shocked by the price of medical care.  All told so far I have emailed four separate medical bills to the independent adjuster.  He never responded to any of those emails and since it had been weeks since I talked to him I asked him for a status on our claim. He came back asking if I am done with all of the doctors’ appointments. I told him I still had one (hopefully final) appointment scheduled with the neurologist. His response was “I have spoken to my client.  Once I receive a final answer, I will let you know.  It would be best to wait until you receive your final medical bills.” I thought that was an interesting response to send to a claimant (I don’t think he knows I am an insurance agent). So I responded with “Best for whom? Why would it be best?” I am not trying to be smart-alecky or difficult; I really want to know why he thinks that would be best.

What I think would be best is if this insurance company took into account what would be best for the person that their customer hit with a truck and not necessarily only what would be best for them. I suspect that he is saying that they are not going to pay anything until they get me to sign a contract where they and I agree what is owed. They won’t do that until all of the bills are turned in. I think the mindset is that they can use my desire to have them pay to get me to sign and the longer they wait the more eager I will be and they get to hold onto my money a little longer. Time is on their side. I sent the response email asking why waiting was “best” seven days ago and have heard nothing back.

Not all insurance companies act like this. Two years ago when we had a customer with tornado damage to a building (turned out to be almost a half a million in damage) the independent adjuster called the insurance company and received authorization to tell us to start bringing in electricians and other help to get the cleanup started on their dime because at that time that is what was “best” for the customer.

That is all that has happened up to this point. My doctor’s appointment isn’t for about a week or so. I doubt that the insurance company will speak to me until I send the bills for that meeting (assuming that is the last one). I will follow up when something new happens.

Update:Something happened - http://www.schuldt-ins.com/blog/so-let-me-tell-you-about-getting-hit-by-a-truck--part-five.aspx

Photo via Visualhunt

Posted 10:47 AM

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