Non-investing private finance points together with insurance coverage, credit score, actual property, taxes, employment and authorized points akin to trusts and wills.
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- Joined: Wed Sep 14, 2011 7:08 pm
Re: Denied comprehensive auto insurance claim (hitting a raccoon
Post
by cheese_breath »
toddthebod wrote: ↑Sat Sep 14, 2024 8:18 pmmesaverde wrote: ↑Sat Sep 14, 2024 4:25 pm
This is the timeline:
-I despatched Progressive photographs of the harm on August 11 (after submitting the excellent declare).
-I took the automotive in to get repaired at a Progressive “community store” on September 9.
-The restore was accomplished on September 12. That very same day Progressive known as me to tell me that they didn’t see any blood or hair within the photographs I submitted on August 18, and that they had been altering the declare from complete to collision.I really feel like there is a crucial occasion lacking right here!
Are you inferring to no info as to when/if the unique complete declare was authorized?
The surest option to know the longer term is when it turns into the previous.
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Re: Denied comprehensive auto insurance claim (hitting a raccoon
Post
by toddthebod »
cheese_breath wrote: ↑Sat Sep 14, 2024 8:27 pmtoddthebod wrote: ↑Sat Sep 14, 2024 8:18 pmmesaverde wrote: ↑Sat Sep 14, 2024 4:25 pm
This is the timeline:
-I despatched Progressive photographs of the harm on August 11 (after submitting the excellent declare).
-I took the automotive in to get repaired at a Progressive “community store” on September 9.
-The restore was accomplished on September 12. That very same day Progressive known as me to tell me that they didn’t see any blood or hair within the photographs I submitted on August 18, and that they had been altering the declare from complete to collision.I really feel like there is a crucial occasion lacking right here!
Are you inferring to no info as to when/if the unique complete declare was authorized?
When was the accident?!
- Posts: 12067
- Joined: Wed Sep 14, 2011 7:08 pm
Re: Denied comprehensive auto insurance claim (hitting a raccoon
Post
by cheese_breath »
toddthebod wrote: ↑Sat Sep 14, 2024 8:30 pmcheese_breath wrote: ↑Sat Sep 14, 2024 8:27 pmtoddthebod wrote: ↑Sat Sep 14, 2024 8:18 pmmesaverde wrote: ↑Sat Sep 14, 2024 4:25 pm
This is the timeline:
-I despatched Progressive photographs of the harm on August 11 (after submitting the excellent declare).
-I took the automotive in to get repaired at a Progressive “community store” on September 9.
-The restore was accomplished on September 12. That very same day Progressive known as me to tell me that they didn’t see any blood or hair within the photographs I submitted on August 18, and that they had been altering the declare from complete to collision.I really feel like there is a crucial occasion lacking right here!
Are you inferring to no info as to when/if the unique complete declare was authorized?
When was the accident?!
Good query.
The surest option to know the longer term is when it turns into the previous.
- Posts: 1550
- Joined: Mon Jul 24, 2017 12:25 pm
Re: Denied comprehensive auto insurance claim (hitting a raccoon
Post
by DarkHelmetII »
mesaverde wrote: ↑Sat Sep 14, 2024 4:25 pmDarkHelmetII wrote: ↑Sat Sep 14, 2024 9:31 am
+1 for contacting state insurance coverage commissioner. switching therapy of the declare after reporting it and bringing the automotive into the store does not scent proper.what number of days between FNOL (First Discover of Loss) and altering the declare from complete to collision? the longer the higher so far as making your case.
This is the timeline:
-I despatched Progressive photographs of the harm on August 11 (after submitting the excellent declare).
-I took the automotive in to get repaired at a Progressive “community store” on September 9.
-The restore was accomplished on September 12. That very same day Progressive known as me to tell me that they didn’t see any blood or hair within the photographs I submitted on August 18, and that they had been altering the declare from complete to collision.I informed them that in my 35 years of driving, I’ve by no means filed a collision/at fault auto insurance coverage declare. I requested in the event that they require photographs that embody blood and hair for a complete declare during which a driver strikes an animal. They stated not essentially, however the “burden of duty” is on the driving force to show that they did in reality hit an animal (and never a non-animal object). Appears odd… I assume I ought to have smeared blood and utilized hair to the harm and/or taken a photograph of a raccoon (however that in fact would have been fraud).
My ideas:
1) Make it clear to the insurance coverage commissioner that Progressive sat on the declare for 1 month earlier than altering its thoughts. At no cut-off date throughout this era did anybody from Progressive ask about proof of hitting an animal.
2) Escalate by way of Progressive claims groups and make them conscious of your filed insurance coverage commissioner criticism.
3) Learn tull coverage particulars – the authorized contract – and see if there’s language particularly noting burden of duty on you within the case of a complete declare from hitting an animal. Assuming this isn’t in there when you verify, then ask Progressive to indicate you the place such burden is documented in your contract.
Re: Denied comprehensive auto insurance claim (hitting a raccoon
toddthebod wrote: ↑Sat Sep 14, 2024 8:30 pmcheese_breath wrote: ↑Sat Sep 14, 2024 8:27 pmtoddthebod wrote: ↑Sat Sep 14, 2024 8:18 pmmesaverde wrote: ↑Sat Sep 14, 2024 4:25 pm
This is the timeline:
-I despatched Progressive photographs of the harm on August 11 (after submitting the excellent declare).
-I took the automotive in to get repaired at a Progressive “community store” on September 9.
-The restore was accomplished on September 12. That very same day Progressive known as me to tell me that they didn’t see any blood or hair within the photographs I submitted on August 18, and that they had been altering the declare from complete to collision.I really feel like there is a crucial occasion lacking right here!
Are you inferring to no info as to when/if the unique complete declare was authorized?
When was the accident?!
June 23. As a result of the automotive was drivable I continued on an extended street journey I used to be on, and filed the insurance coverage declare simply after returning house from the journey.
“Study from the previous, dwell within the current, plan for the longer term”