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
A:
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.
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.
