• How long can an car insurance company take to pay you in virginia?

    Best answer: Have you read your insurance policy? Probably not. None of us really do. I haven't either. But I do know what goes on in these situations only because I work for a law firm that does insurance defense litigation. Part of the time, I field calls from insureds who are pissed off too because they think the... show more
    Best answer: Have you read your insurance policy? Probably not. None of us really do. I haven't either. But I do know what goes on in these situations only because I work for a law firm that does insurance defense litigation. Part of the time, I field calls from insureds who are pissed off too because they think the insurance company is pointing fingers at them. Some of these callers are innocent and some of them are the biggest frauds ever. By law, there are certain conditions in your policy with which you must comply in order for them to consider your claim. Perhaps they took your examination under oath at which you provided copies of those phone records and receipts you mentioned? Or perhaps they just requested those documents and have not taken your EUO yet. I am not in Virginia but the law on insurance claims is pretty much the same in the 48 contiguous states.

    While three months from your perspective is "freaking long," from the perspective of the insurance company, and from the perspective of the law, it is not. Your insurance company receives thousands and thousands of insurance claims - many of which are fraudulent. It may sound surprising, but lots of people actually make a living off of insurance claims. Some are very good at it. Cars that are stolen and totaled account for a large number.

    I am not saying you are fraudulent. What I AM saying is that by law the insurance company is entitled to investigate any and every claim they receive. If there are red flags to a claim, they will investigate further. If, on the other hand, the claim is simple, straightforward and does not even hint at fraud, they can, and often, issue a check in a matter of days. I had a hail damage claim for my car once. Walked into the claim office, and sat. I thought I was waiting for them to call on me. They had actually pulled my car around already. They examined my car, examined all the hail damage, calculated the amount to have the hail damage repaired and cut me a check on the spot. Took an hour.

    Insurance claims vary from claim to claim. You have suffered a loss but it is one loss. The insurance company receives thousands of claims and they actually pay thousands of fraudulent claims that they did not know were fraudulent to begin with. By law they have a right to investigate each claim. It's in your policy. I'm sorry for your loss. Truly. But just hold on until they're done.
    36 answers · 1 week ago
  • Hit from behind not at fault and in debt with $3000?

    Traffic stopped so did I. And out of the blue a girl read ended me. At the time I had no injuries since my adrenaline was so high and I was beyond scared since I’ve never been into a car accident. Now I am experiencing pain in the left side of my face. That night I went into the ER andnwas diagnosed with Severe... show more
    Traffic stopped so did I. And out of the blue a girl read ended me. At the time I had no injuries since my adrenaline was so high and I was beyond scared since I’ve never been into a car accident. Now I am experiencing pain in the left side of my face. That night I went into the ER andnwas diagnosed with Severe whiplash. The next night my left arm was swollen and numb. Due to that I am experiencing an extreme hardship since I my car is totaled and the insurance company is only offering 9K which doesn’t even pay off my loan, I am experiencing emotional pain since my car had a huge emotional value to me. Also now I feel stress out and emotionally not ready to drive a car again. But I have to since I work in Seattle but live in Bellevue. All of this I don’t think I’m getting the support from both insurance companies. I feel like I’m not being compensated for anything that happened. I am at no fault and due to her negligence I am now in debt with 3K and screwed. I feel like I should be compensated with paying off my whole car loan which is 12K. What are my options? Can I end up suing her? She admitted responsibility. Police report should be ready on Monday. It truly pisses me off because I got my car only 7 months ago and i loved it so much!
    17 answers · 5 days ago
  • Can the DMV refuse me an ID?

    I have been behind in payments to the dmv while i got sick and was in the hospital after an accident. I am now working again and making payments to the DMV but now i need an ID card and the DMV is refusing me an ID card until i pay the full $3k that i owe in fees. Is this legal? I thought everyone is required to... show more
    I have been behind in payments to the dmv while i got sick and was in the hospital after an accident. I am now working again and making payments to the DMV but now i need an ID card and the DMV is refusing me an ID card until i pay the full $3k that i owe in fees. Is this legal? I thought everyone is required to have an ID
    7 answers · 3 days ago
  • Teen car insurance.?

    Best answer: If they only $160 a month, then they really are out of their minds, because they would lose a lot of money charging so little. The price should be much higher. The only three ways to get it even cheaper than that incredibly low price are (1) wait until you are older, (2) become female, or (3) move to a place... show more
    Best answer: If they only $160 a month, then they really are out of their minds, because they would lose a lot of money charging so little. The price should be much higher.

    The only three ways to get it even cheaper than that incredibly low price are (1) wait until you are older, (2) become female, or (3) move to a place where insurance costs less -- but if the price is really that low where you live, then you might already be in the place with the lowest price in the country.
    7 answers · 4 days ago
  • Enterprise Car Rental, my Vehicle was involved in a claim and I had to use my rental reimbursement thus extending my personal auto coverage?

    Best answer: Unless other drivers are listed on the rental agreement, you are the only person authorized to drive the rental car.
    Best answer: Unless other drivers are listed on the rental agreement, you are the only person authorized to drive the rental car.
    13 answers · 6 days ago
  • Would insurance cover tail light?

    I just found out one of my tail light got a hole and cracked into. I know I didn't hit or backed into anything so it wasn't my own doing. Would insurance cover this if the cause is unknown?
    I just found out one of my tail light got a hole and cracked into. I know I didn't hit or backed into anything so it wasn't my own doing. Would insurance cover this if the cause is unknown?
    9 answers · 5 days ago
  • Hit and run accident yesterday?

    I was in a parking lot, trying to back out of my parking space and not paying attention to my rearview mirror when my car backed right into someone else's. My friend and I were both in my car and both knew exactly what happened from the loud crash we heard. We both panicked and my friend starting yelling at me... show more
    I was in a parking lot, trying to back out of my parking space and not paying attention to my rearview mirror when my car backed right into someone else's. My friend and I were both in my car and both knew exactly what happened from the loud crash we heard. We both panicked and my friend starting yelling at me to just go go go because there was nobody around and there was nobody inside the car that I hit, so I did. (stupid, I know.) As I was driving away, my friend looked back and told me that I had left a small dent in the other car. I went on about my day as usual and then a few hours later I got a phone call from the police asking me if "I wanted to tell them about a collision I was involved in". I told the officer over the phone everything that happened and he told me that in our state, a hit and run is an arrestable crime, depending on circumstances like if anyone was injured, if it was on the road or in a parking lot, how bad the damage to other the car was, etc. I'm extremely worried. Everyone I know has told me that since I have never been in trouble with the law and nobody was injured and that the ground has been extremely icy the past few days I will most likely luck out, just have to go to court and be fined, with possible community service. What do you guys think? I am 19 by the way.
    7 answers · 4 days ago
  • Moved from florida to virginia, what do i need to get license? HELP!?

    Just moved from florida to virginia and need to get my license. Ive had my Florida permit for over a year, im confused on what i need to have to get my license. dmv isnt really clear and dont want to waste time going and not have the right stuff. i have a completed online drivers ed course i did in florida also.
    Just moved from florida to virginia and need to get my license. Ive had my Florida permit for over a year, im confused on what i need to have to get my license. dmv isnt really clear and dont want to waste time going and not have the right stuff. i have a completed online drivers ed course i did in florida also.
    5 answers · 2 days ago
  • What is a good first car?

    I'm 15, and getting my learner's permit soon. Is there any way I can get a car that has style, CHEAP TO INSURE, but still pratical and cheap? (My budget is at most $1,600). Any ideas? I prefer coupes and anything that isn't a laughing stock to people. It also HAS to be made in America since my dad,... show more
    I'm 15, and getting my learner's permit soon. Is there any way I can get a car that has style, CHEAP TO INSURE, but still pratical and cheap? (My budget is at most $1,600). Any ideas? I prefer coupes and anything that isn't a laughing stock to people. It also HAS to be made in America since my dad, well....doesn't really like foreign cars that much.
    11 answers · 5 days ago
  • Driver license test?

    6 answers · 4 days ago
  • Car accident?

    So yesterday i got in a car accident... which wasny my fault... the other person hit me.. when the light was green i crossed and the other person crossed the light on red and hit me... some guy in a car was a witness and then other guy approched (investigator) and helped me with the process of exchanging... show more
    So yesterday i got in a car accident... which wasny my fault... the other person hit me.. when the light was green i crossed and the other person crossed the light on red and hit me... some guy in a car was a witness and then other guy approched (investigator) and helped me with the process of exchanging information... then he said not to call my insurance to call the other persons insurance since it wasnt my fault.. he help me tow my car ... is this right? Ir what should i do?
    8 answers · 5 days ago
  • Is it possible to legally drive without insurance?

    I heard in CA and other states you can drive legally without insurance if you post a bond or something. Is this true and how can I do it? I hate paying $1,000/year!!!!!
    I heard in CA and other states you can drive legally without insurance if you post a bond or something. Is this true and how can I do it? I hate paying $1,000/year!!!!!
    17 answers · 1 week ago
  • How long do I have to get a tag for a car?

    Best answer: you must have liability insurance at the least but you can do it on temp tags.
    Best answer: you must have liability insurance at the least but you can do it on temp tags.
    7 answers · 5 days ago