Q: What steps EXACTLY DO I need to proceed with 1. Letter of demand to insurance company AND agent/ agency??
Insurance agent (local) and/or Company intentionally acting in bad faith claims in a previous insurance claims. Literally agent never sent out an adjuster of any kind to file official "total loss" on vehicle. Which has now led to a mountain of excessive amounts of taxes, DMV suspensions, tickets, fines, court dates, etc. And it is currently still adding up
It is unlikely that it is incumbent on a party's insurance agent to send out an adjuster. Typically, a party's insurance agent procures insurance on their behalf from an insurance company and forwards them a copy of the insurance policy. On occasion, a party's insurance agent may help a party complete and submit a proof of loss form to an insurance company to make a claim.
Sometimes an insurance company sends out an insurance adjuster to inspect a damaged motor vehicle to adjust a claim. Other times, the adjuster can adjust the claim without personally inspecting the vehicle from photographs and repair estimates submitted to them. Other times, an insurance company might deny a claim based upon a policy defense without any need to adjust the claim or inspect the damaged vehicle.
It's difficult to understand how an insurance agent or insurance company's acts or omissions would cause excessive taxes, DMV suspensions, tickets, fines, and court dates.
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