Title: Car Accident Damaged My Fence and Trees – Is the Driver’s Insurance Giving Me the Runaround?
Last December (12/24/24), a car crashed into the row of trees I had planted a few years earlier, damaging a section of my backyard fence. I quickly filed a claim with the driver’s insurance. While I’m not experienced with insurance matters, it seemed like things were initially moving forward. I provided their insurance company with all the details of the accident, submitted estimates for repairing the fence and replacing the trees, and they even sent someone out to assess the damage.
However, since those first couple of weeks, I haven’t heard much. I’ve been emailing every week or two for updates on when repairs can commence, but all I receive are vague apologies for the delay—no real information. It’s been incredibly frustrating. The last communication I had was that the adjuster would escalate my case to her manager after a meeting she had scheduled, but once again, there was no follow-up from them.
Is this the norm in dealing with insurance claims, or am I being given the runaround? Should I take any alternative actions, or should I just continue to wait for updates?
It sounds incredibly frustrating to be in this situation, and unfortunately, this kind of delay can be common with insurance claims. Here are a few steps you can consider taking to help expedite the process:
Document Everything: Keep a record of all your communications with the insurance company, including dates, names of representatives, and the content of your conversations or emails. This will be helpful if you need to escalate your complaint.
Request a Timeline: In your next communication, ask for a clear timeline of what to expect moving forward. If they’re unable to provide you with one, it might be worth asking what the specific delays are related to.
Contact a Supervisor: If you feel like you’re not making progress with the representative you’ve been speaking to, ask to speak with a supervisor or manager. Sometimes, escalating a request can make a difference.
File a Complaint: If you continue to receive little to no response, you could file a complaint with your state’s insurance department. They often have a consumer assistance division that can help advocate on your behalf.
Consider Hiring a Public Adjuster: If the situation doesn’t improve, a public adjuster could help navigate the claim process, as they’re experienced in dealing with insurance companies and can advocate for you.
Legal Advice: If the damages are significant and the insurance company continues to delay, consulting with an attorney who specializes in insurance claims might be another option to consider.
While it’s not uncommon for insurance processes to take time, you shouldn’t have to feel like you’re getting the runaround. Staying persistent and informed is key. Good luck!