Auto Insurance Claims: underinsured claim, aaa insurance, farmersinsurance

Question
Hi,

I have been involved in a accident
The damage to my car it was $ 1300
medical bills: $7000
lost of wages: 8000

I HAVE SETTLE THE CLAIM WITH AAA INSURANCE FOR $15000 ( POLICY LIMIT)
i have geico insurance, under insured: 50/100000
i've send a demand letter to geico for $50000
The adjuster send me a letter saying that:

because i did not go out in disability until a month after the accident...and the damage to my car is not to big he said that AAA HAS FAIRLY COMPENSATED ME.
i don't know what to answer back to him
can you please help?
thank you.
george.  

Answer
gheorghe-

I have heard that Geico is known for rarely or never paying UM claims without going to court. They have attorneys on the payroll anyway and they know that you don't, so they use that advantage against you.

If your injuries were indeed 100% from the auto accident, I suggest you reply with a letter drafted from an attorney saying that the next step is litigation.  Maybe the threat of a lawsuit will get them to at least take it a little more seriously.  If not, you will have to find an attorney and take it to court.

In the meantime, find an insurance company that is going to be there for you when you need them.  Let me know what area you are in and I can refer you to someone.

Sheldon Maughan
smaughan@farmersinsurance.com