Auto Insurance Claims: one car accident--hit a telephone pole to avoid deer, insurance claim settlements, state insurance commissioner

Question
I was in a car accident on my way to work one morning by swerving to miss a deer and ended up hitting a telephone pole. The road I was traveling on was in the country and noone around, and I had no phone on me. I drove the vehicle home and caught a ride to work. I called the insurance company a couple hours later to report the claim. I have only had the current policy for 2 days w/ no past insurance for a couple months. They are giving me a hard time and I don't know what to do. Can you help?

Answer
Hi Kristopher,

Well, at least you did not have the deer come up thru the windshield, as almost happened to me.

I guess that the problem is they think the accident happened and you bought the insurance later.  That should be easy enough to disprove.

Simply make your family, friend, or co-workers witnesses as to when you told them about the accident.   Also, get your driver who gave you a ride to work to make a witness statement.  Finally, assuming the delay made you late for work, simply get proof of your late arrival at work that day.  

Witness statements prove insurance claims http://www.settlementcentral.com/page0196.htm

The other resource is to call your state insurance commissioner http://www.settlementcentral.com/links.php

Get a form of the complaint online and fill it out.  DO NOT SEND IT IN to the commissioner just yet.  Instead, send it to the adjuster's supervisor as an "advance copy" in the event your claim is not honored.

Finally, if they are going to give you a bad time just qualifying for the claim, you might want to brush up on some miscellaneous auto accident free information pages.

Auto Accident Collision Repair Shops & Insurance Adjuster Relationships Explained in Answers by Doctor Settlement, J.D.  http://www.settlementcentral.com/page0456.htm

Hire YOUR OWN Auto Collision Repair Expert for Repair Negotiations & Supervision—Diminished Value Insurance Claim Settlements
http://www.settlementcentral.com/page0457.htm

Auto Accident First Steps: Report to Insurance? Save on Storage; Choose Collision Repair; Rental Car Rights
http://www.settlementcentral.com/page0458.htm

Diminished value auto insurance claims explained by Dr. Settlement, J.D.  http://www.settlementcentral.com/page0454.htm

Diminished value insurance claim cash insurance settlement
http://www.settlementcentral.com/page0455.htm

Best wishes,

Dr. Settlement, J.D. (Juris Doctor)
www.SettlementCentral.Com



Best wishes