My pregnant wife and I had an accident last September. The police came and we had a witness and declared the teenager who ran into us the one at fault. This is our first car accident and it's almost eight months since the accident happened. We still receive statements from our emergency hospital bills... The claims adjuster never return our calls and we have faxed all our bills to them. Our car was wreaked and we even paid $ 1000 for our deductible and got only $ 300 back. Do they usually take this long? Does anyone have any advice?
Answer by just wondering
No, they do not. You may need to threaten getting a lawyer involved.
Answer by Hung Phat
That is too long.
However, you may want to check to make sure they in fact didn't pay...it is not unheard of for Hospitals to try to double bill...we've received bills from an ER for years following confirmation that our insurance provider had actually already paid the bill. There's a lot of fraud and schemes out there, not just bad insurance companies! If you learn the bill has never been paid, then you may need to threaten them with possible legal action...but put all that in writing and don't have these conversations verbally, so there's a record...email is deemed legally binding in courts, so if you have the opportunity, communicate that way (it provides date and time data for sent/received and transparency, in addition to protection from lies later.)
Lastly, you may need to check the back of the check you did receive...sometimes less than reputable companies try to include a release on the endorsement section of the back of payments, once endorsed and cashed, this means you've released them from further liability (it's sick, I know, but those bastards do it.) If that is the case, you'll need to retain an attorney to protect your rights because you do have a contract with them for coverage, so it can become something all together new for which it might be wise to protect your interests.
Answer by Ann C
you don't really have to get an attorney off the bat, send a claim into your states insurance commissioner. also there are times, the medical bills dont get sent in and the insurance company cant pay what they dont have a bill for. keep calling the insurance company you may have to try and get higher than the claims adjuster. i had a claim take 8 days and one took 3 years. good luck.
Answer by car253
You need to call your claim rep ASAP to find out what is going on. If you do not get ahold of them ask for a supervisor.
Then call the Department of Insurance in your state and file a complaint.
Add your own answer in the comments!
Orignal From: How long do insurance company take to pay your claims?
Post a Comment