[joedls]

Originally Posted by BRUTAL64

I'm not sure where to go from here. Anyone know California law and my options I have to take on Farmers on this?


Alexis, maybe you have some thoughts?


I have not heard from Farmers on this.

Did they give you a claim # and a point of contact?

[BRUTAL64]

Originally Posted by joedls

Did they give you a claim # and a point of contact?

Yes, they did.

[joedls]

Originally Posted by BRUTAL64

Yes, they did.

What does that person say about when you can expect a settlement?

[BRUTAL64]

Originally Posted by joedls

What does that person say about when you can expect a settlement?

I was told they were going to contact me. If I don't hear anything today, I was going to call them tomorrow. That's why I want some options here if they still give me the shit they have been. I've followed all their requests and then they tell me that I was told wrong and to do something else. Which you have read about. I'm afraid I'm going to break one of them if I see them in person.

[joedls]

Originally Posted by BRUTAL64

I was told they were going to contact me. If I don't hear anything today, I was going to call them tomorrow. That's why I want some options here if they still give me the shit they have been. I've followed all their requests and then they tell me that I was told wrong and to do something else. Which you have read about. I'm afraid I'm going to break one them if I see them in person.

I think the first thing I'd do, if I were you, is call the contact you were given and ask them when you could expect a settlement check. As far as the law goes, I'm not sure what you're options are, but I'd start here:

http://www.insurance.ca.gov/contact-...ile-complaint/

[joedls]

Your Rights Under the Fair Claims
Settlement Practices Regulations

In general, insurance companies are required to do
the following:
• Advise you of all benefits, coverage, time limits or other
provisions of your insurance policy.
• Acknowledge claim, start investigation, provide forms
and instructions, and provide reasonable assistance
immediately but in no event later than 15 days after
receiving notice of claim. (Notice of claim is any written
or oral communication to the insurance company which
reasonably apprises the insurer that you wish to make
a claim.)
• Respond to communications received from you
immediately but in no event later than 15 days.
• Accept or deny the claim immediately but in no event
later than 40 days after receiving proof of claim. (Proof
of claim is documentation in your possession which
provides any evidence of the claim and supports the
magnitude or the amount of the loss such as estimates
of repair or police report indicating theft of your
vehicle, et cetera.)
• Unless the insurer has provided you with the name
of a specific towing company prior to your using a towing
facility, the insurer must pay reasonable towing expenses.
So you’ve had an automobile accident. What’s next? 11
• Offer a fair settlement. If you suffered a total loss,
settlement must include taxes, license and transfer fees.
The settlement must reflect the value of a comparable
vehicle of like kind and quality. If you retain the salvage,
deductions from the settlement for salvage must be fair,
measurable, and discernable.
• Once the claim has been accepted, the insurer must pay
the claim immediately, but in no event later than 30 days
from the date settlement was reached.
• Advise you whether or not they will pursue subrogation.
If the insurance company pursues subrogation, they must
include your deductible unless you have already recovered
your deductible.


The above represents a paraphrased brief overview of some
of the Fair Claims Settlement Practices Regulations effective
5/10/97. You may view a complete copy of the Regulations
by visiting the CDI website located at www.insurance.ca.gov.

[BRUTAL64]

Originally Posted by joedls

Your Rights Under the Fair Claims
Settlement Practices Regulations

In general, insurance companies are required to do
the following:
• Advise you of all benefits, coverage, time limits or other
provisions of your insurance policy.
• Acknowledge claim, start investigation, provide forms
and instructions, and provide reasonable assistance
immediately but in no event later than 15 days after
receiving notice of claim. (Notice of claim is any written
or oral communication to the insurance company which
reasonably apprises the insurer that you wish to make
a claim.)
• Respond to communications received from you
immediately but in no event later than 15 days.
• Accept or deny the claim immediately but in no event
later than 40 days after receiving proof of claim. (Proof
of claim is documentation in your possession which
provides any evidence of the claim and supports the
magnitude or the amount of the loss such as estimates
of repair or police report indicating theft of your
vehicle, et cetera.)
• Unless the insurer has provided you with the name
of a specific towing company prior to your using a towing
facility, the insurer must pay reasonable towing expenses.
So you’ve had an automobile accident. What’s next? 11
• Offer a fair settlement. If you suffered a total loss,
settlement must include taxes, license and transfer fees.
The settlement must reflect the value of a comparable
vehicle of like kind and quality. If you retain the salvage,
deductions from the settlement for salvage must be fair,
measurable, and discernable.
• Once the claim has been accepted, the insurer must pay
the claim immediately, but in no event later than 30 days
from the date settlement was reached.
• Advise you whether or not they will pursue subrogation.
If the insurance company pursues subrogation, they must
include your deductible unless you have already recovered
your deductible.


The above represents a paraphrased brief overview of some
of the Fair Claims Settlement Practices Regulations effective
5/10/97. You may view a complete copy of the Regulations
by visiting the CDI website located at www.insurance.ca.gov.

Thanks Joe for this information. I bookmarked the sites. I don't like being fucked with.

[joedls]

You could also call the owner of the car that caused the damage and threaten to take them to small claims court, since their insurance company is giving you the runaround.

[BRUTAL64]

Originally Posted by joedls

You could also call the owner of the car that caused the damage and threaten to take them to small claims court, since their insurance company is giving you the runaround.

Yea, that crossed my mind. Phone call-maybe not- I'm more of a personal in your face type person.

[joedls]

Originally Posted by BRUTAL64

Yea, that crossed my mind. Phone call-maybe not- I'm more of a personal in your face type person.

Yeah, I quit doing that. I have a tendency towards violence and got locked up too many times because of it. Funny thing is, I haven't been locked up once since I quit doing shit like that. I kinda like not being locked up.