Posted February 08, 2018 12:50:49It’s been a while since I’ve written about car crashes, and it seems like every month there’s a new case that raises some fresh questions about what the insurance industry does, how they treat accidents and how to get the most money out of a claim.
For my own car crash in 2008, I was looking to do my own research, so I contacted the local insurance company, the State Farm Insurance Agency (SFA).
The first question I asked was, how much would I be charged for an accident?
The insurance company had a good idea, and they were happy to tell me the maximum amount of insurance they’d cover was $25,000, but I wanted to know how much it would cost to actually go to court and argue the case.
I contacted a lawyer, who told me to come back a month later and he’d calculate the cost of my claim.
The costs of filing a claim and getting to courtSo I called my local SFA office and got my claim number.
My lawyer was quick to tell them that I’d need to come in a month and file my claim in person.
The office wasn’t expecting a claim until March 20, so that was fine with me.
The SFA was happy to help me set up a plan for the day, but they didn’t want me to worry about getting a job or being able to afford to pay my bills until the day I needed it.
I called my insurance company’s website, and I set up an appointment with the lawyer who’d handled my car crash claim.
He was very nice and helpful, but unfortunately the website wasn’t designed to help people who were already in debt, so it was a lot of paperwork to get through.
The first thing I did was go to my local bank and request a $10,000 payment plan, which included everything from a loan to an interest rate swap.
Next I called the SFA’s local office, and asked if they could send me an email detailing the car crash claims they’d handled in the past.
“Yes, that would be fantastic!”
I was told, and the email was sent the next day.
I waited about two weeks to get a response to my request, but the SFO finally responded to me on March 1.
The letter said they would need to contact the SFP to make sure my claim was properly filed.
The claim process I set myself up forThe SFA agent was very friendly, but there were some issues.
I was still working on the claim and was trying to figure out the exact amount I was entitled to.
I also had to sign an agreement that said that the money I was paid would be split equally between the lawyer and the SDF.
I had to give my full name, address, phone number and Social Security number, which was very hard to remember.
I also had the SFC’s email address, but that was not a problem.
Finally, the SFPA sent me a bill for $10.50 per claim, which wasn’t too bad, but it was only for the initial claim.
I think it should have been $20.
The next step was to get my claim verified, which took a lot longer than I expected.
The first time I had to send in my claim, I did it by filling out a form, but this time I sent in a form for each claim.
After I filed my claim and got the confirmation, the agent asked if I wanted a copy of my original claim and I told them I didn’t have one.
I was told the SFF was going to be sending out a second copy of the claim after the SFI received a copy, and that the SfPA would need the original for the verification.
It was only after a few more emails that I received a confirmation.
When I finally got a confirmation that my claim had been approved, I thought it was great.
I’d already done my research, and was already paying down the debt and getting my money’s worth.
Then the next step, getting the money.
For the most part, the insurance companies are very upfront about what they do to help their customers get paid, but not every company has the same policies.
My insurance company did not give me the option of a payment plan.
In some cases, they may require a cash advance if they are under a lot.
If you do get a payment advance, it usually costs about $15.00 per month, but if you don’t get one you may have to pay out the entire amount of the advance.
The SFO’s letter said I could pay in installments, but since my lawyer had a different amount for the first month of the settlement, I had no idea how much my money would go.