Q: At fault insurance company in auto accident won't pay subrogate claim amount. I'm out $1000.00 deductible. HELP
Struck from behind while stopped in traffic May 20, 2018 in Chicago. Driver admitted fault in police report. I was driving part time for Uber at time and two passengers gave statements to Uber's insurance adjuster. Allstate handles Uber claims in Chicago. At fault insurance company, American Access Casualty, refuses to pay claim. I had to take out a loan to pay the $1000.00 deductible. Filed a complaint with BBB but complaint closed by BBB when Allstate entered into litigation with American Access. I've exhausted all avenues including one media outlet and an attempt to contact Allstate's attorney. No one will help me and now I'm paying for a loan I can't afford.
A: Did you sustain bodily injuries as a result of the collision? If so, I recommend organizing everything in your possession related to this matter, including the crash report and medical records, and consulting with a personal injury attorney. Many of us offer free consultations and will represent you on a contingent basis in relation to your bodily injuries, so it will not cost you anything out of pocket to obtain the representation of an experienced professional.
If you were not injured, I recommend consulting with an attorney familiar with insurance law and bad faith claims. If American Access is denying the claim without a justifiable reason, they may be in violation of the Illinois Insurance Code, which would entitle you to a remedy.
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