QuestionMy wife's mother was driving my wife’s car on the way to pick us up from the airport and was involved in an accident. The driver was drunk and hit a police car, and the police car struck my wife's car from behind. It's been 4 months now and the insurance company of the drunk driver is holding up payment to fix my wife's car because they can't get a statement from the drunk driver and the police officer. There was a police report filed. Shouldn’t this be enough of a statement from all parties involved?
Is there a limit on the amount of time an auto insurance claim can last? If not, can we file a complaint against the drunk driver's insurance company for the amount of time it is taking to close the claim? What can we do legally to speed up the process? What can we expect from our insurance company to settle this matter? Four months seems like an excessive amount of time to settle such an obvious claim.
AnswerHello,
You weren't real specific if you are dealing with no fault, but. That is OK. They canvdelay forever especially a municipality.
Filing a complaint against the drunk driver's insurance company will get you nowhere just like complaing to the city, because many municipalities are self insured.
About your only ption to get the claim expedited is to turn the claim into your insurance company. You will be responsible for the deductible, which you should get back after your company subrogates. The sad thing is that if you would have done this months ago your car would have been repaired and you would have had your deductible back, but you did not know.
See, you have a contract with your insurance company and they are supposed to assist you. If you let these jerks (cop & drunk) with their insurance companies screw you around, they will.
Good luck!
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