Quote:
Originally Posted by Banshee
Insurance adjusters do this sh*t all the time! They manipulate and coerce people to settle and some get a cut on what they save the insurance companies.
I do not know all the details, but hearing the offender has the same ins. company as your gf is a sure sign or malfeasance and wronging. If it were seperate companies, the likelyhood of this situation occuring is much less.
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I am a claims manager at an insurance where I have been employeed for 19 years, no one at our company gets a cut and I do not know of any that do.The above could not be farther from the truth. Please be careful about making inaccurate statements. Please do not downgrade insurance adjustors as a whole, they are like everyone else some are reputable and some are not.
As far as the claim, every state is a little different. Do some research in your state and handle yourself if you are comfortable doing so as there is no need paying an attorney if this is something you can handle. If you are not confortable handling it or can not get it resolved then I would hire an attorney. We evalute claims on their merit no matter who the other company is. When both parties have the same carrier we assign it to different adjustors and have them report to different managers. We do not do anything any different just because we insure both parties. I work in Virginia and there are no subrogation rights for medical expense coverage (your own coverage) from your post it sounds like there is in your state. In Virginia your own carrier will pay the medicals up to the limit of the medical expense coverage. The liability carrier will pay the pain and suffering. If you do not have med exp coverage then you do have to pay the medicals out of your settlement, so be sure the settlement is adquate to do this. In Virginia we do NOT pay the adverse parties medicals direct, they are responsible to be sure these are taken care of by either their medical expense coverage or heath insurance (some heath care carriers also have subrogation rights) or out of the settlement from the liability carrier. As I said before every state is a little different. My area borders West Virginia, North Carlonia, Kentucy and Tennessee and none are the same. Every state also has a Bureau of Insurance that regulates the insurance companies and if you feel they are not treating you fairly you can contact the bureau.