1 bike wreck, insurance, laywers

Discussion in 'Face Plant' started by redeye-az, Jun 25, 2013.

  1. just jeff

    just jeff Long timer

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    Several replies on this thread have suggested bringing the policy to the insurance agent for interpretation. Not wanting to sound paranoid but the agent may not have your best interests at heart. They are paid by the insurance company, not by you. It might be better to bring your policy to a lawyer knowledgeable in insurance claims.
    Some time ago I had an insurance agent deny a claim only to find out later it should have been covered. When confronted the agent denied ever having spoken to me. As I had not filled out a claim form there was no paper trail. Fill out the form and request all correspondence in writing. Including any supposed denial of coverage or claim. As you may have only a certain amount of time to file a claim, the agent in my case used that to further deny my claim. They said that being as I hadn't filed the claim within the time limit they would not accept the claim.
    I no longer have insurance with that company.
    Regards....justjeff
    #21
  2. DOGSROOT

    DOGSROOT OUTSIDE

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    Insurance Companies...Making Lawyers Look Good :bluduh
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    #22
  3. Shake_N_Bake

    Shake_N_Bake Been here awhile

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    First off, never talk to an insurance agent about a claim. They are sales people. That is it.

    That is why there are claims adjusters. Most claim problems would never exist if agents would stick to the part of the process that they actually are trained for.

    Yes I am an adjuster, does it show.
    #23
  4. acesandeights

    acesandeights Asperger

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    You sound like a Progressive insurance adjuster?
    #24
  5. BikePilot

    BikePilot Long timer

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    I second the recommendation to get a copy of your policy and read it. They are pretty easy to understand/read and tend to be very carefully worded.

    A good lawyer can be really helpful. It's extremely hard to find a good lawyer, especially if you are operating outside the realm of high end corporate stuff.
    #25
  6. Shake_N_Bake

    Shake_N_Bake Been here awhile

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    Why would you make me dislike you so quickly?:D

    Also you need more than just a copy of the policy. You need a copy of the declaration page as well. That shows what you actually paid for.
    #26
  7. acesandeights

    acesandeights Asperger

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    I saw where you're from and thought Progressive had a large call center there, but was just trying to be funny. I worked for a few insurance carriers, for a number of years, back in the day.
    #27