Denial

Finally, for the love of Pete, the insurance company denied my claim from my accident on September 15. Can you believe it took them 3 months to make a decision?

Apparently, the guy who hit me was not insured, but presented an insurance card. The name on the card was that of the previous owner of the vehicle. According to that insurance company, the owner of the policy gave false information in order to get the policy. I don't really understand it all. So, my insurance paid for my vehicle to be repaired, for all my chiropractor bills and some lost wages. So far it's been about $6,000.

The other insurance company kept dragging their feet. They ended up hiring a private investigator and then had to send the case to legal. It's been a very weird situation. My insurance company (previous company) has been calling them so much they were asked to stop. Ha! Little do they know who they're messing with. As of yesterday, the claim has been denied, meaning I should be getting the money I've had to use out of pocket plus some. I was informed I would be getting money for pain and suffering as well. Hello paying off Christmas! Yay!!

Not so good for the driver who hit me. They will now be putting a lien on his license and going after him for the entire cost. If he doesn't pay, he can't ever get his license renewed. Now, does this really matter to someone driving around without insurance, probably not, but we'll see. He still owes me $250 for my deductible.

I'm really just glad this will all be over. I've been pretty frustrated about all of it and gotten very ugly with the other insurance company. This is probably why they were dragging their feet. They don't like me very much!