This is part three of the review of my auto accident claim that happened about 6 weeks ago. If you haven’t read the other two 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 we stopped at the point where I have notified my insurance company of the accident in case we need to make a claim against our medical payments coverage.
Medical payment coverage covers medical expenses incurred by you and/or anyone in the vehicle. It is an optional coverage and in the past people have pointed out to me that this coverage is redundant if you have health insurance. My response is that your health insurance has deductibles and copays (very long rant coming about health insurance in another posting) and this coverage helps to pay for those things that your health insurance won’t pay for. Also you can’t be sure that everyone in your car will have health insurance.
I also received a call from an independent adjuster working for the other insurance company. An independent adjuster (also sometimes called a third party adjuster) is an adjuster hired by an insurance company when they don’t have the staff to work a claim usually because they are too busy or they don’t have anyone in the area. In this case I assume the other insurance company, which is a large national insurer, doesn’t have anyone down here in god’s county. I have worked with some very good independent adjusters and I have worked with some that are not so good. Usually the ones that aren’t good are not good because they assume that the insurance company that has hired them is looking to get out of paying and the adjuster looks for any reason to report back that they don’t have to pay. The thinking is that if they make the insurance company happy the insurance company will hire them again.
So about a week after the accident I received a call from an independent adjuster and I got the impression that he was looking for a way to not pay our claim. He asked me if the grain elevator was on my right or my left at the time of the accident. I told him that the elevator was on my left. He asked if there were any driveways on my right. I said that there were some (I think three) houses on the right. He asked if I thought it was possible that the other driver thought I was turning right. I said I am sure I had my turn signal on and I would think that someone would assume that a grain truck would be turning into grain elevator not into the driveway of a house. Furthermore assuming he missed my turn signal would he just assume I was going to turn right and go ahead and pass on the left? He said he didn’t know. The conversation was relatively short. He said that he didn’t yet have a copy of the crash report and he hadn’t seen the vehicle I was driving but he was working on getting that information.
In the next posting I will talk a little about what auto and medical claims have (hopefully by then) been paid. That can be found here - http://www.schuldt-ins.com/blog/so-let-me-tell-you-about-getting-hit-by-a-truck--part-four.aspx
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