I was rear ended in an accident. I did not have comp or collision coverage on my car that I had purchased 6 days prior.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 14, 2012

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Insurance Question from Adams, NY

Asked on 03/14/2012

I was rear ended in an accident. I did not have comp or collision coverage on my car that I had purchased 6 days prior. The car is totaled and the guy that hit me has progressive insurance. I have been waiting for weeks for approval on a rental car, payment for my car or any news what so ever. I call the claims adjuster daily but I get the standard, we are still investigating the claim answer. they refuse to pay for a rental car while they are investigating, and they can't tell me how long its going to take, my question is isn't there a time line for how long they have to make a decision?

Answer given on March 23, 2012

If you are not getting proper communication from the other insurance adjuster you should ask for a supervisor in the claims department. Don’t call the adjuster directly, but call the central number and ask for a supervisor. Explain that you are not getting responses from the adjuster and that you need the ok to rent a car until a decision is made as to whether your car is a total or not. Once the decision is made, you will only have a few days to find a replacement car before the rental car coverage will expire.If you need a rental car, and have the financial resources to get one, go ahead and rent the car, keeping all records and receipts. Eventually the insurance company will have to approve a rental car and you can then give them the bills for the rental car.If you continue to not get the responses from the adjuster or their supervisor, contact the Dept of Insurance in NY and see if they can help you get this claim moving forward.

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