{"id":247,"date":"2022-05-26T07:42:11","date_gmt":"2022-05-26T07:42:11","guid":{"rendered":"https:\/\/ridemission.ca\/?p=247"},"modified":"2022-05-26T07:43:23","modified_gmt":"2022-05-26T07:43:23","slug":"car-insurance-wants-to-settle-without-me-present-what-to-do","status":"publish","type":"post","link":"https:\/\/ridemission.com\/car-insurance-wants-to-settle-without-me-present-what-to-do\/","title":{"rendered":"Car Insurance Wants To Settle Without Me Present: What To Do"},"content":{"rendered":"
Your insurance company does not have the right to settle a claim<\/a> without you present if you are the person who has monetary responsibility for that claim. Suppose you get into a car accident that was your fault, but you have to pay for some of the damages<\/a> that your insurance does not cover due to your not having certain types of coverage on your policy (like underinsured <\/a>coverage). In that case, your insurance company needs to ensure that you are present and willing to settle the claim against you.<\/p>\n If your insurance company wants to settle without you present, there are a few things you can do to defend yourself.<\/p>\n Your first line of defense will be to work with your insurance company and let them know that you are unhappy with how the claim is being handled. You should be able to talk to an agent handling your claim, but if the agent is not helpful, they might have a complaint department you can discuss the matter with to get a solution.<\/p>\n You want to be prepared with as much documentation as you can gather to support your reasoning on why you disagree with this decision. When you talk to your insurance company, be sure to provide them with any documentation about the accident. You should also provide an official complaint letter with your claim number, signature, and contact information.<\/p>\n You\u2019ll want to check for any statement or clause in your car insurance policy that may have reasons for settling a claim without your presence. If there are not any clauses or statements saying that they can do this under your auto policy, this is something you should state in your letter to them and make the insurance agent or complaints department aware of in your case.<\/p>\n If your insurance company is not being cooperative in any way, then you might want to consider talking to your state insurance department to see if they can help you in the matter. Although they may not be able to look at your case, they will notify you and may help resolve your issue if your case is chosen.<\/p>\n<\/a>Talk to Your Insurance Company<\/h3>\n
<\/a>Send the Proper Documents<\/h3>\n
<\/a>Review Your Auto Policy<\/h3>\n
<\/a>Talk to Your State Insurance Department<\/h3>\n
<\/a>Talk to an Attorney<\/h3>\n