My question involves insurance law for the state of: California
Commercial Automotive Policy
Cleaning / Painting Business
September 2nd 2015
Opened Theft Claim With Insurance Co.
September 2nd 2015
Received Rental Car through Policy
September 7th 2015
Notified by CHP Truck Found
September 8th 2015
Signed Truck Over to Insurance Company for Repairs
September 22nd 2015
Insurance Company picks up truck from Tow Yard
September 22nd 2015
Insurance Company Offers $900 settlement for preliminary Damages
September 22nd 2015
Repair Shop Receives the Truck
September 30th 2015
Shop Orders Parts for my truck
October 15th 2015
Rental Company Sends me text message Ordering to return the Rental car by following day to avoid legal actions.
October 19th 2015
Made contact with insurance company regarding Rental Company threatening messages, along with trying to get a status on my truck. Insurance Company indicates they felt I had already been driving in my truck, also indicating from follow up with shop, their had been a “National Back Order “ on a part that was needed for my truck, which delayed the process. Referred me to speak to supervisor.
October 21st 2015
Supervisor ask some additional questions on the claim (example: How did I know my truck was found? When did I know the truck was stolen? What was inside the truck?) The Supervisor agreed to cover my rental for 2 more additional days.
October 23rd 2015
Contacted Rental Company to resume responsibility for Rental Starting today.
October 25th 2015
Rental Vehicle Repossessed from in from of residents.
October 29th 2015
$1670 Withdrawn from my Bank Account from the Rental Company
October 30th 2015
Made contact with Insurance to get status on Truck and the $1670 taken from Account. Insurance Company informs me my claim is under investigation because there are additional damages to the vehicle. Insurance Company indicated the shop provided them with a report of a seized Engine. Insurance indicated theirs not enough exterior damage to the truck to have “seized engine”. Investigator assigned.
November 2nd 2015
Investigator comes to home, asks several questions about my whereabouts on August 31st 2015. Asks my to fill out and Affidavit of Vehicle Theft, with some additional claim questions. Provided Investigator with emails, telephone numbers, copy of checks, bank account information.
December 4th 2015
Attempted to contact insurance company to get status on investigation 5x and kept on getting hung up on. Frustrated on 6th attempted and finally contacted with someone. Demanded to speak to someone and was kept on hold for 10 minutes. During this 10 minute hold time I was involved in an additional accident and stuck a pedestrian and had to hang up on the hold to call 911. Additional claim opened with insurance.
December 9th 2015
Spoke to an additional supervisor, informs me about a meeting he had this morning with 6 individuals that have been involved in this claim and my story wasn’t adding up. Indicated the Insurance Company would require me to meet with their attorneys for a Transcript Statement Under Oath. I would be receiving the information within the next couple of days on the instructions.
January 4th 2016
Quit $300k Year Job because I could no longer perform without a vehicle. HARDSHIP!
January 12th 2016
Contacted Supervisor with Insurance to get status on the Transcript Statement Instructions I was suppose to receive. Supervisor responds with :
Hello Mr. B,
After receiving your voicemail, I learned through review of the claim file that you were attempting to reach the attorney that obtained your Examination under Oath. I have asked Supervisor on this file to reach out to the Attorney to contact you and provide you with a copy of the transcripts.
Thank you for your time and have a good day.
January 15th 2016
Made contact with Attorney that would be conducting Transcript Statement. He indicated he know nothing about this claim, since he still didn’t have the file in his possession.
January 19th 2016
Attorney Schedules Transcript Statement for January 25th 2016
January 25th 2016
Transcript statement under Oath Conducted
February 10th 2016
February 11th 2016
Attorney that Conducted Statement emails me:
Attached is your EUO transcript for your review. Please follow the instructions in the letter and email me back the signed certification sheet with any changes, if necessary. That will conclude my handling of this EUO and the matter will be given back to The Hartford for them to make its decision on your claim. Thanks.
February 22nd 2016
Insurance gives me 2 options
Hi Mr. B
As discussed here is the breakdown of the ACV , prior repairs etc.
Option 1 – Insurance Obtain Total Loss
13,110.52 ( ACV + Taxes )
4106.76 ( prior repairs)
9, 003.76 ( Net settlement)
plus ( this does not include any unused CA registration fees )and ( Loan Bank is entitled to the TL net settlement )
Option 2 – Repair your vehicle
The shop has informed us the supplemental repairs to replace your engine is 5031.45.
We are prepared to pay the shop directly for the supplemental repairs. Once repairs are completed you may pick up your vehicle.
Please let me know which option works best for you. I am looking forward to resolving this matter.
My Questions to Insurance……
What took so long to approve the claim?
Why was their an investigation that was conducted in the middle if the claim? After you assumed the truck was repaired and preliminary settlement offers were made on the truck.
Why was I told the Reason for the investigation was because of the damage to the truck not being sufficient enough for a seized motor. But then receive notices that the purpose of the investigation was “ No signs of forced entry”, “Unrealiable Witnesses? Why would you not start this investigation before making any attempts for repairs.
Why did you conduct an investigation on me then to turn around and not use it at the end. The Insurance approved the claim before the statement was even ready for my review and signature. Until this day the statement still hasn’t been signed.
Why was the rental Repossessed from my driveway?
Who Will cover my loss business?
Who will cover my Mental Stat?
Why would I be given the option to Repair or Salvage my Truck?
All the dates on documents are wrong, and all email correspondence are wrong and inaccurate? Why?
WHAT THE HELL IS GOING ON !