Earlier this month, my husband was in a car accident. An old lady hit him on the driver side, it was determined she was at fault and her insurance accepted liability. My husband had some injuries and has been having some pain so seeing a Physical therapist. An injury firm contacted us and took our case to have insurance pay for the body injury.
That aside, we have been working with an adjuster for the property damage since our car was totaled.
She sent us this to sign and we refused because the language does not seem right. It says full release but we haven’t claimed the bodily injuries the law firm is handling yet. When we brought it up, the adjuster said she only deals in property damage and it doesn’t affect our injury claim but the document says otherwise.
We told her to amend the language to reflect only property damage but she said that it the company template used and she can’t take out or edit it and insists she only works on property damage so it doesn’t affect the injury claim. We tried reaching out to the law firm handling the injury today to run it by them but couldn’t reach them. We will try to reach them tomorrow.
I am now confused and don’t know what to do.
Is this normal or what some companies actually
do?
I will attach the picture in the comment since I’m unable to add it here
Is Insurance trying to screw us?
byu/Natural_Function_649 inInsurance
Posted by Natural_Function_649
4 Comments
https://preview.redd.it/6mrwfzatr9rg1.jpeg?width=1179&format=pjpg&auto=webp&s=0f80f8f2c4bcdee6e6caf05ee9e76cd27c25a939
100% standard form sent by all insurance companies. I would also get calls just like yours about twice a week too so you’re not the only one concerned. Hopefully your attorney can offer you some reassurance.
Normal and standard. If you don’t want to take the adjusters word for it, that’s fine, you already have representation and I would just wait until you hear back. Reddit is the bottom of the food chain in terms of advice.
Very normal but liability payments come from two different buckets. For example, your own insurance coverage has three different liability limits. You will see you carry bodily injury liability per person, bodily injury liability per accident, and property damage liability per accident. So payments for property damage are paid from the PD coverage and injury settlements are paid from the BI coverage. These payments don’t interact because they are separate coverages applied to the claim. Your attorney should hopefully be able to ease your hesitation on this as well.